ATP requires one of the following: a PPL, 2yr degree or equivalent work experience. One of those and your First Class Medical and an Intro Flight.
If you look up and to the left you’ll see ATPs logo. That’s because this is ATPs forum and all the mentors on here are former ATP students and instructors who are now airline pilots. That doesn’t mean we recommend ATP because we want you to sign up, it’s because after we all did our research we concluded there was no better route to accomplish our goals. If you really want to make this you career than the best method is to train full-time like the military and the airlines do.
We’re pilots not credit officers at the bank. You’d have to call ATP and speak to the financing people.
Not sure where you got those stats but yes the majority of pilots who train casually or recreationally don’t ever become commercial pilots. That’s definitely not ATPs stats and the people who drop out elsewhere get frustrated, run out of money or simply aren’t good at flying. It’s not the homework and lessons.
Depends on the phase of training but the average was probably 2hrs a day.
In answer to your last question the airlines what a 4yr degree but it need not be in aviation.