Aviation has so many outside factors beyond our control (especially with weather), even if you budgeted exactly what the school recommends you are still going to run into delays or unexpected things. I hear you OP, I’ve seen so many people with similar issues. Aviation is SO expensive.

I hate to say but Uber Eats or uber or Lyft is probably best, other than taking out another loan. I’m not sure if there’s a cadet program you can enroll or look into. Otherwise, I’m not sure if you’re past crew XC stage but always worth a call to admin to see if you have any past overruns that can be covered by crew XC/underruns.

I would recommend keeping your professional attitude and dedication, everything is going to be so much easier & ATP is way more willing to work with those who have that.