There is absolutely no reason to spend 150 K on flight training, only to end up with a degree you can't use, and ratings you could have had for a third of that. As has already been stated, you don't need the degree to get a flying job, and an aviation degree is useless in any other field as well. Go to an FBO for the ratings. They'll hire you afterword as long as you're not dangerous. Get the degree at a state college. Do everything you can to stay away from student loans. They are the worst type of debt you can possibly acquire. They make credit card debt look like kid stuff. Research it online - it's true. You will NEVER get rid of 150K in student loan debt being a regional airline pilot. As far as where to go after the ratings, make wise choices, and talk to experienced people. Learn from their mistakes in the business. At the point you're at now, it's important to find a good (read: honest/ethical) school. Make sure you're not involved with people who want to take your money and leave you with nothing to show for it. The first school I went to cost me a lot of money because I didn't know enough to know I was getting ripped off. There's nothing wring with instructing to build time, but be sure you're not shortchanging your students. Would you want your current instructor worring more about his logbook than your flight training?