Cost of Living in Florida is very low. I do a lot of traveling and I look certain indicators like gas prices and new home prices.
Sounds like you made a valid analyis of flight education prices though. This is an expensive hobby.
One thing, you don't need a college degree for airline pilot. I don't think (even) Delta has that requirement anymore.
On college:
I'm beginning to think that college may have been a 4 year waste of money and time. Don't get me wrong, I am a strong believer in education, but I have never used much of anything I learned in my liberal arts, freshwater school throughout my entire professional career as an engineer(!), pilot, public speaker or business owner. The only worthwhile courses were the music classes I took from Nick D'Angelo, the greatest band director I ever had the pleasure to work with.
I funded my Time Building as a CFI by doing one man band stuff at night, but honestly, I could have learned that stuff taking night courses and gone straight to the workforce.
I know this won't be popular, but most of my courses at college were trying to teach me a bunch of liberal trash. Psychology was interesting, but looking back I can see the "agenda" that was there lurking beneath the Child Psych syllabus.
Economics was a joke. Even the professor told us first day, "If I really knew anything about economics do you think I'd be working as a low paid college professor?" He was pretty funny, but most of his lessons were prefaced with, "I only know this by reading it from a book ..."
The math courses were awesome but not practical. I have never used Topology, Advanced Algebra or Vector Calculus, even as an engineer. I though Vector Calculus would be there, but I never saw it, even as an defense-aerospace engineer.
I'm starting to rethink this college deal.