I know everybody wants to find the “best location”, but you really need to think of it like McDonald’s. ATP strives very hard to standardize all of their locations. All locations are company owned (no franchises) and meet the same standards. The instructors have all had the same training, the airplanes rotate throughout the entire system, and the number instructors is carefully matched to the number of students. I suggest simply picking the location that is most convenient for you and not giving it much else thought.
As for financing, call the admissions department and talk to them about that. The fine people in admissions are experts on financing and can answer your questions a lot better than we can.