I decided to write this review because I wished I had listened to the complaints I read before enrolling and do not wish this school on my worst enemy. Like others, I surmised that these complainers were biased and were most likely emotional at the time they wrote their complaint. I withdrew from the university in March and decided to take time to cool off before sharing my experiences. I thought I was pretty thorough in my research before deciding to attend the university, reading reviews and complaints, but honestly I don't think anything prepares you for the experience. I left the university with a 3.9 GPA and completed all of my courses leading to the comprehensive exam. For the most part, I did not have any problems during this time except for a couple of bad mentors (but there are a few bad apples at every school). I had some very good mentors who were responsive and appeared to genuinely care about the success of the student (I initiated contact with the mentors and most of them responded positively). It's true that the syllabus and required books were dated, but I disagree that you could not find less expensive books elsewhere (In fairness, around the time I was contemplating withdrawing from the university, the school was in the process of updating the coursework--I had already taken the courses, so I cannot tell you if the content was better or not). I did not experience problems until it was time to take the comprehensive exam. I did not successfully complete the exam at the first attempt and I must say that I was partly responsible as I experienced a technical nightmare on my part. However, I found out later during my retake that the mentor deleted a couple of the required articles to complete the exam, so now I understood why I had some of the difficulty that I had in completing the questions. I don't think the mentor did this maliciously and to make a long story short, I think she was trying to be fair (I know it doesn't make sense, but it would take too long to explain). It was during this time that I began to see some creative calculations with my financial aid. Like other former students, I had trouble with reaching the financial aid department and there were so many different explanations when I did that I decided to keep a paper trail by sending email. I was told that I was short financial aid. There was no way that could be the case. I kept going back and forth with them about their inconsistencies with what was on the Department of Education website versus what they had on record. It did not make sense. I know how to count, I graduate with a BBA and MBA with honors. Something was incredibly wrong. And the kicker was that I was dealing with all of this during my retake of the COMPS exam. Also, during this time my mother in law had a recurring bout with cancer and I was dealing with this crap. I was stressed. I did not feel comfortable with paying anymore money to NCU, I needed to help tend to my mil and I could not concentrate, so I decided to withdraw as I did not have the option to take a leave of absence in the middle of the exam. This where its gets very messed up. I was informed that I owed the school approximately $3500. NCU was already paid for both the COMPS and COMPS retake and the retake should have completed my payment period of three courses; however, that's not how it works. Let me try to explain: NCU defines a school year as 6 earned courses; divided by 2 payment periods of 3 courses each. However, the caveat is that NCU defines an earned courses as meeting the time requirement and passing the course. So, if you fail a course, your payment period is extended by one course, so instead of 3 courses, you now have taken 4 courses (pending you pass the 4th course) to complete a payment period. This is the same with withdrawals. If you withdraw from a course after 7 days, you are on the hook to pay full tuition for the course and you are given an Incomplete as a grade. However if you withdraw from the course after 14 days, then you are given a failing grade for the course. This means that either way, you will owe them money. If you have the incomplete, you owe the tuition for that course (and if you did not complete the payment period of 3 passing courses, you may be on the hook for additional courses) and if you receive a failing grade for withdrawing and you did not satisfactorily complete 3 courses, you are on the hook for the difference. Once you withdraw, NCU is required to submit a form calculating the money they have to return to the Department of Education as a result of your separating from the school. The calculations are based on the percentages of earned courses versus the total number of days required. The total number of days depend on satisfactorily completing the payment period of 3 courses [passing grade and time (8 or 12 weeks each course)]. If the percentages are less than 60%, then you did not "earn" enough courses and so the school has to return money to the Department of Education. If the payment period is constantly expanding due to the withdrawal or failing grade, then the student will never earn enough. NCU returns this amount to the Department of Education and passes the amount to you. For the most part, you have two options: pay the balance they say you owe or do not (and risk damaging your credit, collection calls/emails, etc. and hijacking your transcript). The Department of Education has turned a blind eye because they allow the schools to set the conditions of their withdrawal and refund policies. So whether you withdraw or fail a course, you will end up owing NCU some amount of money. It's almost like you are being penalized for withdrawing or failing a course. I withdrew from NCU with a 3.9 because I experienced a situation that caused concern over how they were handling my financial aid and I felt that I better get out before I end up losing much more money that I have to pay back. They told me I owed around $3,500 and it took me a minute to figure out what was going on. I was then transferred to their collections where one of the clerks appeared to take my questioning personally and told me that they are right and I pretty much need to get with the program. I filed a complaint with the Dept of Education and NCU response to my complaint was pretty basic, they followed proper protocol and pretty much I did not understand the process (despite having proof of the contradictory statements they made in my situation). According to the date/time stamp on the email, almost immediately after NCU's response, the investigator assigned to the case stated they found no violations and closed my case. So for those of you who do not understand why you owe money after withdrawing, this is why. I have decided that I will allow them to send the balance to collections and take a hit on my credit report. The only thing I can surmise is that the investment company or NCU itself has hired lobbyists to lobby legislation in their favor. I was able to access the Department of Education's policies and it does allow for non-traditional institutions to create their own withdrawal and refund policies. Clearly NCU's policies favor their stockholders and board and not the students. So although unethical, it's legal for them to do so. The school does have a low graduation rate and contrary to NCU's belief, it's not because of the rigor of the degree. Although I do not have first hand experiences about the dissertation process, I know of students who have gotten the run-around during the dissertation process and they are 6 - 7 years into the program and are still trying to get their concept paper approved. After the 7th year, those students are dismissed. I've seen where students cannot get into touch with mentors, the subject matter expert disagreement with the Chair, personality conflicts between the Chair and the student. Students have been assigned Chairs who do not specialize in the student's area. Unfair policies such as not being able to take a break between dissertation sequences. The policies are changed at a drop of the hat and previous students are not grandfathered into the former policies. Again, this is so unethical, but NCU has somehow managed to stay in that gray area. I do not doubt there are some students who had great experiences with NCU; however there are too many in the doctoral program who have not. I know of about 5 students who had problems but did not want to spend time complaining because they thought it would be a lost cause or they're embarrassed. A majority of NCU's student population are doctoral students, so one would think that there are more doctoral graduates than the other degrees, but take a look and you would be surprised. Then compare the graduation rate to ivy league schools or even other online schools. Then ask yourself would it be financially prudent to attend NCU? That is the question I wished I had asked before I enrolled. I apologize that my post is so long, but I attempted to give a fair description of my experience at NCU. I cannot recommend that anyone attend this university to pursue a doctorate degree unless you are into giving away money.