My point is that, in the grand scheme of things, getting 165 out of you first 250 hours in a Seminole (and let's pretend they're all airplane hours and no Frasca FTD hours - which don't count as Multi-Engine Land hours) isn't going to help you bag more than maaaaaaybe an MEI gig. Even then, if there's another instructor there, you're going to have to wait your turn.

...and most people aren't going to care where, how, when, how fast, or how much your training cost you. Especially insurance companies.

Anywho, that's my soap box. There's no reason to be in a hurry to drop a bunch of money only to cool your heels paying off a loan until hiring picks up again. I know that pilot shortage is right around the corner 'n all (sarcasm), but if you can find a way to do your primary training a less expensive route, I'd say do it. $50,000 seems like it might be a bit higher than you can find.

Hell, you can buy a decent (though not "great") IFR capable 152 for $35,000, do a bunch of training (up to the CSEL where you'll need a complex single - rent it), sell it for $25,000 and still be ahead of the game when you go find a Seminole or similar to get your CMEL in. Even with insurance, you'll still come out ahead of the $50,000 number. And your certificate will say the same thing as someone that went to ATP.

-mini