I'm currently in a master's program at Virginia Commonwealth University. It's a little bit different/harder than the other online programs I have seen. We have class at a set time and you have to show up to class with a microphone plugged into your computer. It's not like some of these school's you have never heard of where you just write a paper, get an A, write another paper, get an A, and move on. VCU has payment plans as well. Overall, as long as you go to a school that has "name' value I think you'll be ok. I would avoid any school that you have never heard of.