I went through the PGA program and I do not give lessons.
Also, you don't need to pass your PAT to become an associate. You just have to pass your PAT by the time you become a full Class-A PGA Pro. As well, it doesn't have to take 4 years if you can do it quicker. The minimum time requirement is 18 months, assuming you have some sort of college degree. I have personally worked with multiple people that finished all 3 levels in under 2 years.
Final note, if you work at a facility that supports your growth, there's a good chance your club will help with your payments. When I went to PGA Frisco for Levels 2 & 3, my club paid for my flights, 5 nights of hotels (seminars are always Mon-Fri), and the $750 seminar fee both times. All I had to cover on my end was food/drink/ride share to and from headquarters.
Obviously, this is not the case with every facility, but not super uncommon either.