Agree. The academy vs FBO debate is a lesson in futility. Both academies and FBOs have their plus's and minus's. It depends what you, as a student, want and require in your own training.
The debate here is that the original post claims he calculated that the FBO route is $5K more exepensive than ATP. However, the original poster has been unable to post this comparison. (the dog or cat ate it)
So, I'd like to see how the FBO is more expensive than 60K.
Per ATP website - 110 hrs single engine.
Let's go expensive and say $120 an hour $13,200
95 hrs instruction = 95*45 = $4,275
Per ATP 165 Hrs Multi -
50 Hrs in the Sim most FBO's sim is $40 + $45 instruction = (95 *50) $4,250
50 Hrs twin XC (no instruction), lets say twin is $230 hr and it's safety pilot time = (50*230)/2 = $5,750
For checkrides you have to pay full use per hour. Let's say 4 CR's (private, ins, comm and MEI) = 4*2*30 = $1840
This leaves 57 hrs multi time left. Let's assume it's all instruction and no safety time involved = 57*(230+45) = $15,675.00
So, I calculate $45K and that includes 202 hrs instruction. That's 15K less straight away. Plenty of funds to cover the books, living expenses if you're away from home (which most people are not at an FBO), or if you need a few more hours or need extra ground.
Do the 110 single hrs in a 152 and save $3K.
Once again, to the original poster, proove how the local FBO costs more than 60K for the hours listed on the ATP website. The numbers I used above are pretty average. There are more exepnsive FBO's and cheaper ones too.
I think these posts are extremely useful in helping people decide what they want and showing people there are viable alternatives - and helping them save a significant amount of money.