@BuddyOrDie Be careful with lock in programs and budget plans. Your best bet is to call around asking for prices. Ask if they'll give you a break on the price if you prepay/pay with cash. Smaller companies are usually a little more flexible.
Got an AA at a local community college covered by state/federal grants. Transferred to a private university and borrowed $20k for a BA. Stuck around and borrowed another $30k for the MA. That $20k in forgiveness would've brought my balance *down* to $80k.