Very good, lets not forget your debts :P
/Back on topic, No the ATPL is not one massive bet. The way EASA made the testing system is one big joke but some schools will help you more and some others less.
Some will allow you to sit the brush up course again on those tricky subjects some others will just ask for more money... Some instructors will gladly spend a few minutes with you if you come up to them with a question some others will simply move on. These things matter in the end.
I can't speak for other schools but in Bartolini I have that, I was struggling with part of Gnav for the ATPL and all I had to do was ask and I got a quick lesson on the parts I needed. Going great now.