lvn program

Hi all,
please i'm totally new to Nursing profession, i'm doing my CNA training at the moment and i live in Dallas here in Texas. I intend starting my LVN program immediately but i learnt that El Centro and Brookhaven have waiting list. I discovered an Institute in Dallas here - Dallas Nursing Institute - $18,500, they have Financial aid but my major concern is that their Brochure reads that "their credit transfer is limited" i learnt that their credit are not acceptable in the colleges, so i'm confused.
I don't want to take Loan and only to discover that i have to start all over to do my RN.
Please, i need a candid advice here.
Thanks.