Hi,
The question of finance is always a tricky one. I sympathise with your situation.
If its any help, I just plucked up the courage (and credit status) to get a big loan. I firstly sifted through the various schools and eventually settled on a package that suited me. I put it together as best I could and presented it to the bank.
Having been turned down for such a venture previously i didn't hold much hope. Fortunately they granted the funds and I was off.
I don't know much about the CDL option, but thats been around for some time now. The problem that I see with it is that its a low amount for most flight training i.e. you find yourself wondering where the rest will come from and how you will pay two loans. Do they even grant two loans at the same time?
best wishes
DF1