Free Ride helps...I don't know anything about the University of Phoenix so I am no help there. Will you continue to work full time? That would be a big factor in the decision. But if you are going to continue to work and your job will pay a good part of it, then that is also a big factor! Does one program start sooner than the other one? Either one you chose, will have the same end result! But, those "LIFE" decisions are not always easy!
Best of Luck!