"Getting your degree and getting your ratings on the side would be cheaper than going to a pilot mill like ATP. Be smart, don't get "seduced" by the fancy website or shiny brochures." This is what I would advise. Getting a 60,000 to 70,000 loan to go to ATP just doesn't make sense for what you will get paid as CFI for them(ATP)-- if they hire you. Good luck which ever path you choose.