dont waste your money. do your cpl ground only its much easier. the atpl is only required if you want to move on to IR twin and you have to have your rating within 2 years of passing your ground exams. which means you first have to get a job as a cpl and log a 1000hrs before any insurance will stop laughing. this simply wont happen. The other option is spend another 40 000 on self fly hire.