Most of the above posts have hit on some really really good points...so I am just going to babble a bit here.
1) Hysterical- Its not a question of whether or not you "like to fly"....if you really feel like getting yourself involved in the realm of "professional pilot" then you must desire to fly more then eating. If you take a couple of lessons and find that flying is fun, then great. Get your ppl and be a renter. Because, if you are not bitten by the aviation bug so friggin' hard that it is all you can ever think of doing----you should not even consider the professional route.
Your scenario is alot more complicated then most of these guys flippantly make it out to be. From your posts you have stated that you want to finance ATP. Bad idea. I dont recommend ATP unless you can pay out of pocket. The interest rates associated with an ATP loan are much much higher then a Federal Stafford collegiate loan (school loans through a college). Usually those are 2-4% intrest with NO intrest accruing whilst you are enrolled as a full time student. Think Wachovia or Sallie Mae can beat that rate???
I went to college first. I had NO thoughts of becoming a professional pilot. I went pre-law and was dead set on becoming an attorney. It wasn't until after meeting and speaking with a number of lawyers that I decided litigation was not for me. Which is exactly the process you are going through. RESEARCH. RESEARCH. RESEARCH. Keep it up.
If I had it to do over again I would have attended a college which had a reputable flight training program and DOUBLE majored in aviation and something medical/science related. You would end up with two degrees and your ratings. All at government subsidized student loan rates.
Only problem for you is that you say you don't like college!?!?!?
WTF man.
College is EXACTLY what you make of it. SO IS ATP. I miss college. I graduated with a 4 year degree and then attended ATP for private through MEI-I. College is WAY more fun then ATP. ATP is work. If you dont believe me then look at their 50% FAIL rate.
I realize that I was fortunate to come away from college and ATP debt free, but I researched researched researched. If you finance ATP then you will have a monthly payment for 400-600 bucks. College payment-----150-250 a month. You really need to look at the financial aspects of your choice. At the age of 18 you are legally responsible for any debt you incur.:banghead:
The cynic in me also wants to tell you to go work construction for a summer framing houses. It will teach you to LOVE the easy life of college. I mean come on man!!!! Staring at girls in class all day is awesome. :crazy:
Socal approach, runway in sight, cancelling IFR. :nana2: