Read the fine print in your contrat with ATP when you put your deposit down. I don't think you're going to get your deposit back. I used to be an instructor at ATP and they're not bad folks to work with at the instructor side, but when it comes to management, watch your 6! I think instructing till you get 135 mins is a better way to go than jumping into the RJ side of life. I think the experience you will obtain will be more valuable than the side of flying in the RJ, plus you will have a lot more respect for the jets than if you just jump right in. It may take a while to get to that point, but with the business side of life in the doldrums, I think it is safer to be an instructor than working the airline side of life. Good luck in what ever you decide to do!