well my flight school is $100/hr plus $45/hr for the instructor. so then jersey must be among the top 2 places for flight training costs... and i doubt that.
so i'll go back to explaining my personal situation. i had a part time job and was renting in jersey with my aunt/uncle/cousin for $350/month. well i was laid off (uncle's business slowing down) and subsequently had to move out. my options were: look for a full time job and rent my own apartment for at least $1000/month... or go back to college (not gonna happen)... or live with my dad and work somewhere by him (ny state). well i couldn't imagine a dayjob that appealed to me, college was out of the question, so i looked into flight schools, cuz the only thing i can imagine doing all the time is flying. i found a school, moved out a month later, and moved in with my dad temporarily.
so, if i stay local, i WOULD be paying rent. something i wasn't really enduring previously. and you can't tell me i'd get it done in 5 months at an FBO, or even a year. not one around me anyways. but let's pretend i could do it in a year. you tell me how i'm going to finish 285 hours of flight training (not to mention ground instruction, and studying, and sim time) in 1 year while trying to pay for rent/mortgage, the training itself, and somehow working my job around all that time that's being dedicated to the flight training...
i dunno about you, but if i spent 10 hours a day at work (figuring commute, that's a short day) i'd only have evenings to fly, and weekends. that's the case with a lot of people, so am i really going to get a lot of time in on the weekends? instructors have other students to teach as well. then weather screws me out of about 50% of lessons, especially during initial training when conditions need to be better. jersey weather sucks and i'm pretty unlucky.
also, it was even more worth it to me because of the private course. $8,995 for 85 hours, housing and written exam included. for $8995, i'd get about 62 hours at my local flight school, NOT including any ground instruction, housing, or the written exam. the costs do not compare, ATP wins EASILY.
i don't feel like arguing this anymore. i've weighed everything regarding my situation, and ATP is cheaper, faster, and smarter. maybe not for some, but it is for me.