Labbats is right. I don't want to rain on your parade or anything, but if I had to do it all over again I wouldn't. As you can tell by my user name I went to an Aviation College, not an academy. I dropped over 60K in flight fees alone.

Remember, their numbers are based on minimums, and in reality who gets a private liscense in 40 Hours? But I will say it is possible to pull off your Commercial in 190. And then again... who hires a pilot with 190 hours? IF you get an RJ Type that will help, but don't expect anything but the right seat for a few years. Also, any regional that hires you will give you the type, it's part of their training.
Moral of the story... It's expensive, expect to put your life on hold till you make it through the hard years of being the airport slave laborer... I'm doin' it but only because I'm married and have her income to bail us out.
Good Luck!