You are going to need an ATP one way or another. Every month you spend thinking about this means ~200 more people hired that will always be more senior than you. It's also not going to cost 10k. Get the test-prep app from Sheppard Air. Use your GI Bill to take the ATP/CTP class (I did mine at CAE). Then go to any of the ATP diploma-mills that cater to military and spend less than 5k. But make your reservation for the ATP now since they have a long waiting list.