Well I need some advice here. After researching the forums for close to a year now, I still dont know which path to take. Reason being is, some of my family members have offered to help out with about a quarter of the cost of the 90 day program, with the rest left up to me getting a loan. Right now I have a steady full time job that makes about 25K/yr. and I am working on my inst. rating and have 100hrs.TT. I am driving about an hour each way to the airport now on days when I can get a plane and am not worn out from work! I feel that this FBO route is the "safest" way since it is pay as you go , but I just feel like its going to take forever and I will not have the amount of multi time that ATP gives, plus there is no multi within 100 miles of here to rent!...so I would have to go somewhere to add that on. On the other hand if I went to ATP, I would get all the ratings and have alot more multi time, but at the cost of having a loan to pay back. I am 25 years old and I hear all these guys who already have all their ratings and jobs and that is one reason I feel the need to go to an academy type place to just get it all done! I hope some of you guys could give me some insight on what you would do because I really havent found a situation in the searches that was quite like mine...the area I happen to be stuck living in really doesnt help someone who wants to fly because there just isnt any oppportunites for multi engine rental or people wanting to fly singles for that matter. Well any advice is appreaicated!