I rushed out and tried to get a huge loan for ATP before the price increase. Through the whole process, my loan got screwed up and I had to think more about other options. I WAS considering doing ATP's 10-Month Self-Paced ACPP program, but then I thought "what if I did as much as possible at a QUALITY FBO? So here is my new plan--- Current Flight Time -37.5 250 Hrs needed to get to Commercial LOCAL FBO - PPL, IFR, SE COMM 213 Hrs (C-172, 10 in Complex 182RG) @$800 per 11 hrs -$15490 75 Hrs Instruction @$30/HR -$ 2250 ATP - MEL COMM, CFI-I 10 Hrs ATP MEL COMM 4-Day Program -$ 2795 13.5ME/5 SE ATP 14-Day CFI-I Program -$ 6995 MISC Costs Examiner Fees -$2700 Books, Supplies, etc -$1200 --------------------------------------------------------------- TOTAL $31430 With the amount of debt I paid of in the last 10 months ,I can afford to do the VFR, IFR, and Comm in 6 months paying out of pocket. It will take around 40 hours a month of flying to accomplish. Add one more month to take the ME and CFI add-on's at ATP and I should hopefully be out in 7 months. I'll take a loan out for the ATP portion I would next hope to get hired at ATP and instruct for a year to get some really decent ME times and meet mins at the upper echelon regional airlines. Good Side- Very Little Debt. $31430 vs $60000 at ATP About 279 TT/23.5 ME --All me getting to fly. Keep my current house another year, which my realtor just came and said I should clear $15k profit if I wait that long. Keep my current Job (70k/yr) Lots' of time to just fly around the countryside as I please. Bad Side- Little to no ME or Complex time. More than 90% of my time will be in a 172. I'll be done in Dec-Jan rather than Sep(had I done the 90-Day). Could mean more time to upgrade to CA once I make the regionals if I catch the tail end of Hire-A-Paloozza 2007. IFR will be done in 172's that I will not be able to shoot GPS approaches with (How bad is this in the grand scheme of things? I know everything is GPs this and that nowadays) "Life" can get in the way easier when not in an immersion program like ATP. So what does everyone think? PLEASE let me know and feel free to help critique my cost evaluation AND add to the good and bad sides..... Progress so far----- I did 2.4 today; first time flying since I stopped last July to pay all my debt off! Solo at 1.4! My instructor really made me feel comfortable and it was obvious in my flying. The Military guy last year was great, but he had a tendency to make me nervous the whole flight hounding every thing I did. This guy was really calm and just made some comments on basic things, ("Your flaring a bit high, nose down AND....flare there...good." "tighten your pattern up next time around"). I am flying alone all week after work to practice, out of town on business this weekend, and meeting up with my instructor to go through maneuvers next week, then on to dual X-C's that weekend!