...$35,000? Cool! I need to do that.

Not to be sarcastic, but it is a lot of money we are talking about. I got all my ratings, nearly finished with CFI at this point, for less than $30k. That is something like $45,000 less than AllATP's prices. This difference is a large amount of additional debt. It will take a decade to get out from under it. I just don't see committing to this to save a year off your flight training during which you could be attending classes and working to pay it down. I did both, classes during the day and fly in the afternoon and work on weekends. I now have a very reasonable level of debt which is diminishing rapidly. This scenario is not possible if you take out a huge loan to attend AllATP then get hired at Comair for $18k-$20k per year. The only way I would do this is if the interest rate was less than 5% fixed and I had no school loans at all. Even then it seems a waste but I suppose people have their priorities.