I reemphasize what TWC and Bobbysamd said on the question of, is the price a flat rate, meaning, is $20k the price, period? or, could it possibly be more if you needed extra training flights, or went over on your alotted hours?? That's one area where flight schools can really get you. I did the majority of my training at ALL ATPs, and the price they quoted me from day one, was the price of the entire program, regardless of how long it took me. No hidden costs or anything. Most schools won't do that these days. They will give you a guesstimate cost based on an average amount of hours you are supposed to fly for each rating.
I would also shy away from signing any kind of contract, or putting a lot of money up front, as Bobbysamd said. If the flight school is a reputable one, they won't need all your money up front. To me, if a school asked for all my money up front, it would make me start thinking the school might be afraid of me leaving the program, which could possibly have a problem with past students.
Anyways, the point of all this is, the cost you quoted is a very good deal. I'd go for it, but look EVERYTHING over before starting.
Good luck!
