Would like opinions-DNP vs Post MSN Cert, AND online programs??

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I will be graduating with my MSN next month! I'm planning on continuing on for my DNP at my local university, however it will be another 3 year commitment and that's a long haul at this point in my life. I['m in my mid-40s and really would like to get moving on establishing myself in a completely new role. I'm more than willing to do the DNP, but my husband asked me today if just getting a post-masters certificate would be a better option??

My MSN is not in a NP program, so I'll need to continue on regardless of which program I choose, in order to sit for NP boards.

Can I get some opinions about WHICH track to travel? I am ok with online programs AND i'm comfortable getting my own preceptors- I know at least a dozen NPs around me who are willing to give some hours.

The ONLY issue for me is that I need a program that will allow me to use federal student financial aid. I know that USI and EKU both do. Also I'm thinking frontier does. Can anybody give me their opinion about WHICH path you would choose and WHY, also any recommendations on some online programs, I would really prefer about 18-20 months in length if possible, AND one that's financial aid capable...

THANK YOU SO MUCH!!!

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