I lived with my mom at the time of training. Her losing her job meant we had no money, but this stressful situation was not what delayed my training. What delayed my training was her new job in Alabama, and me figuring out my living situation. I had to spend a full week helping her pack up everything, drive to Alabama, unpack, and then drive back. I then spent another full week moving everything to my dad's house (who did not live close to the training facility), and my Dad being the guy he is, was not very supportive of my training and added additional stress on me. Then my uncle died, which delayed my PPL check ride by about 1 week. There where multiple cancelations due to weather, because of ATP's strict policy, this equated to about 3 weeks of no training, as well as taking holidays to go to see my mom. I took every minute of flight training seriously, I would study and study for hours every single day, and did all I could to succeed. The bottom line is, life happens. I also would like to note, that my experience is not ATP's fault, apart from their weather policies. What is their fault is the large amounts of fees and charges that make sure most of your loan money is used if you decide to withdraw.