I find it funny that you mention "taking a step back" as "a lot of school and money" that you don't have when the universities that you've all listed (APU, LLU, and Cal Baptist) are all private schools. Let's look at some actual numbers. According to APU's site, the estimated total cost for their Entry-level Master's
is $60,455-$68,930 in the course of the 3-4 year program. Citrus College nearby, has an estimated ADN total program cost
of $6141 for 2 years. The full-time RN-BSN option can be completed at CSUF in one year/3 semesters (Fall/Spring/Summer), at approximately $3338/sem
or $10,014 for the program. For example's sake, one stays at CSUF for their MSN, which takes 2 years/6 semesters to complete. At $4031/sem
for graduate tuition, that's $24,186 for the whole program. To complete the ADN to BSN to MSN example I just gave, it will cost you $40,341. This makes a difference of between $20,114-$28,589 in getting an MSN compared to APU. It would take 1-2 years longer than the ELM route, but given your situation, "taking a step back" is just a consequence you're going to have to suck up -- you can't turn back time to make up your GPA, you can only make the most of what you've got now. Do well enough in your ADN program and you might not even have to do the RN-BSN part and do ADN-MSN, which may cut off an extra year, making it possible to finish in about the same amount of time or only 1 year longer, which in the grand scheme of one's lifetime is negligible.