You are asking a very good question. I think the current situation is one of the big scandals in nursing education today. Schools
accept students into their programs, take the students' money, and then expect the student to find a teacher for themselves -- someone who is willing to provide the student with a free preceptorship. This happens in "brick and mortar" programs as well as with online programs.
Now, if you happen to live and work in an area with a shortage of NP's, you might not have trouble finding someone to precept you -- particularly if you sign a contract to work for them after graduation. However, I live in an area that has an over-supply of NP's. Yet, the local schools keep accepting students into their programs. The poor students can't find preceptors because there are too many students knocking at the door trying to find someone to take them on. I feel really sorry for the students.
I would look into the situation in your local area and get a committment from a preceptor before you invest a lot of time and money into the program. You "investigation" will also give you valuable information about your local job market.