A friend of mine faced the same problem as you, and was initially told that ATP will not do Kentucky Advantage Loan. Eventually ATP allowed him to attend the Bowling Green location with the Kentucky Advantage Loan, and he recently completed the program! If you would like to find out more just send me a message and perhaps I can connect the two of you and you can get more information from him directly?
I believe you can always apply for the KAL for the amount you need and pay ATP as if you were paying out of your pocket, but like I said my friend would have more accurate answers for you.
As far as locations go, yes the standardization/process is the same across all ATP locations BUT, the student to instructor and student to plane ratio is very different at every location. This is something very important to consider. My instructor and I just recently flew to BG for a time-build, they currently have 19 students, 1 instructor, and one twin engine Seminole and one single engine Archer. So, if you do the math, that means a lot of sitting around not flying. I, and all of my fellow students at the Louisville, KY location will agree to this. For the past two weeks we had only one single engine Archer between the 12 of us, a Seminole that has been experiencing maintenance issues for over a month, and Cessna that was specially brought in to accommodate the height of one student, which is great, but ATP is not allowing any of the other students to fly the Cessna. All in all, I have spent more time on the ground than flying, and its not due to weather, it has been because of the lack of/availability of equipment.
So if you do want to attend ATP, which I still think as far as the training goes is top class, consider a location based on the above factors and possibly look at the bigger locations? You have to remember, we are all in the same boat, instructors and students; and every day that we don’t fly (not compromising safety, of course) the further away we all are from our dreams and also generating income to resume a normal life.
All the best,