Found another FBO close to my current living situation... 110 for the plane, and 40 for the instructor... it's an older 172.

Given my current time and PPL, it should cost approx 29,000 to complete all of my ratings / required hours (given leeway for added time if needed) at that FBO... 7n7 for those of you that are curious...

I found out they do have financing avail, but most of my training will have to be on weekends since it gets dark here early now... (And I'm stuck at work all day) But if I could bust out 12 hours of flying every weekend... I could be done in 4 to 5 months (counting weather days, etc...) I don't know, it's no doubt cheaper... but is it the best learning environment?

The instructor is supposedly really good, and also is a furloughed airline pilot...

Also I'd have to get all the multi ratings somewhere else... they don't have one... Add another 5 grand for that I'm guessing? He did say he's looking at a seneca, but doesn't have the business for it right now, but if he got 3 or more multi students, he'd pick it up...