Actually FBO flying is not that much cheaper than some Major academies. At my FBO its going to cost about 35K all the way to CFI rating. ATP is a few more thousand than that. You have to shop around. If you have done the math, most 30-40K loans for flight training take about 250-500 bucks a month to pay back, based on 15 year loan and good APR. Most I've talked to borowed from friends/family part of the cost so they don't have to pay the Bank all the cost with interest.