Be very cautious of what you get into. I have 96 credits and only need 34 to graduate, 3.9 gpa and on the dean's list every session. When I went to schedule my next session of classes I was transferred to the finance department where I was told that I exhausted all my financial aid in order to complete my schooling I would have to get a personal loan? I requested info on what I owed and found that I owed literally double of what I was told! I now owe over $75,000 with no degree! My contact stated that by graduation I should owe between $42k-$48k how on earth should I have to pay this loan and or pay an additional $20k to get my bachelor's degree. I felt completely taken advantage of, and keep in mind this is a federal loan that you cannot bankrupt so it will be your obligation until it's paid off! Take it from me don't waste your money, even though they claim you'll get done in half the time your better off at community college or UNIV which both would cost much less.