Just a little add on to Naples Air Center's statement. In order to be granted a J1 visa you need to be able to PROVE you have funds to complete a Commercial licence NOT pay all funds up front.
It is the US government that hands you the visa and they require proof that you can fund the course so need to see copies of your bank statements with these funds before issuance of your visa.
Please don't be convinced to hand over large sums of money to foreign flight schools when it is not required and then watch them go under before you complete your study.
How do I know??? I had the pleasure of going to the US on a J1 visa and build my first 1500 hours being a flight instructor. But my flight school never had more than $2000 credit in my account at ANY one time!!!!