2026 Cost per Credit for Online Adult Gerontology Acute Care Nurse Practitioner Master's Programs: Tuition Comparison Guide

Imed Bouchrika, PhD

by Imed Bouchrika, PhD

Co-Founder and Chief Data Scientist

Deciding between online adult gerontology acute care nurse practitioner master's programs requires more than a glance at listed tuition. Cost per credit varies widely across institution types, hidden fees often inflate budgets, and residency requirements can disrupt plans for place-bound students. With the rise of online master's enrollment-up 18% since 2022 according to the National Center for Education Statistics-understanding the true all-in cost becomes crucial.

Accreditation and licensure factors further complicate program comparisons, affecting employment eligibility. This guide breaks down tuition along with financial aid, fees, and program delivery to help prospective students make informed, strategic choices aligned with career and financial goals.

Key Things to Know About the Cost per Credit for Online Adult Gerontology Acute Care Nurse Practitioner Master's Programs

  • Comparing per-credit tuition by institution type reveals hidden costs like mandatory technology and clinical placement fees, which can significantly increase total program expenses beyond advertised rates.
  • Accreditation directly affects licensure eligibility and employer recognition; programs lacking proper accreditation risk limiting graduates' employment prospects despite lower upfront tuition.
  • Residency requirements reduce online program accessibility for place-bound students, impacting enrollment timing and workforce entry; the 9% annual growth in adult online learners highlights demand for truly flexible formats.

What Is the Average Cost per Credit Hour for Online Adult Gerontology Acute Care Nurse Practitioner Master's Programs, and How Does It Compare Across Institution Types?

Focusing on average cost per credit hour reveals more actionable insight than total program tuition when comparing online adult gerontology acute care nurse practitioner master's programs. This metric directly reflects how institutions price academic progression and allows prospective students to normalize for differences in required credits, program length, and fee structures-critical factors when employers emphasize timely credential completion in clinical settings.

For example, a working professional balancing employment may find a program with a lower per-credit cost but longer duration less practical than a pricier accelerated option that reduces time out of the workforce. Current Integrated Postsecondary Education Data System (IPEDS) data shows public universities generally offer the most affordable per-credit rates for in-state students, usually between $400 and $650 per credit, but out-of-state tuition often doubles, complicating simple tuition comparison without factoring residency.

Private nonprofit institutions maintain a tighter but higher per-credit range, around $700 to $1,100, reflecting a lack of state subsidies and investment in research and clinical resources. Private for-profit schools frequently exceed $1,000 per credit, offsetting premium pricing with program flexibility or bundled services designed to accommodate working adults. Additional variables causing divergence from sticker prices include residency impact on tuition, mandatory program fees for clinical placements or technology, and institutional pricing models like flat-rate semester tuition that obscure effective per-credit costs.

To aid cost-conscious enrollment decisions, this guide will first analyze per-credit cost variations by institution type and residency status, then evaluate the influence of mandatory fees and financial aid on net tuition price. A later segment will integrate program length and total cost to contextualize per-credit data, followed by an examination of accreditation and licensure considerations essential for verifying program viability. Only through this multidimensional approach can prospective students navigate the complex tuition landscape and compare online adult gerontology acute care nurse practitioner master's programs on a fully informed, practical basis.

Many students comparing tuition structures increasingly seek flexible options; for those exploring accelerated paths-or even a medical assistant program as an adjacent step-understanding these tradeoffs in cost per credit hour is foundational to forecasting return on investment over the course of their graduate education.

Table of contents

How Many Credit Hours Are Typically Required to Complete an Online Adult Gerontology Acute Care Nurse Practitioner Master's Program, and How Does That Affect Total Tuition?

Total tuition for online adult gerontology acute care nurse practitioner master's programs hinges more on credit volume than per-credit cost alone. Candidates often overlook that programs with higher credit requirements can outstrip seemingly more expensive alternatives, impacting long-term financial planning and workforce readiness.

The typical credit-hour requirement ranges broadly from about 30 to 60 credits or more, shaped by factors like program accreditation, thesis versus non-thesis options, and clinical components. This credit range directly scales the total tuition, as multiplying the number of credits by the per-credit tuition forms the primary cost basis.

  • Credit Hour Range: Variability in total credits reflects institutional curricula, accreditation mandates, and state licensing prerequisites, causing some programs to double their credit load relative to others.
  • Practicum and Clinical Requirements: Required practicum, internship, or fieldwork credits often incur additional fees or premium per-credit charges to cover clinical supervision and placement expenses, frequently not included in basic tuition listings.
  • Cost Comparison Nuance: A lower per-credit tuition rate does not guarantee a less expensive degree pathway if the program's credit requirements are substantially higher, especially when hidden practicum costs inflate the total expense.
  • Cost Estimation Formula: Prospective students should apply the calculation: Total Credit Hours Required × Per-Credit Tuition Rate + Additional Practicum Fees = Estimated Total Program Cost. This approach enables true apples-to-apples financial comparisons across programs with differing structures.

For example, a candidate comparing two programs with per-credit rates of $700 and $900 respectively must also weigh the total credits-50 versus 35-and any practicum fees. The higher per-credit program may ultimately cost less and reduce time-to-completion. This holistic cost awareness better informs enrollment decisions and aligns financial outlays with realistic career timeline expectations.

Which Online Adult Gerontology Acute Care Nurse Practitioner Master's Programs Offer the Lowest Cost per Credit Hour Among Accredited Institutions?

For prospective students prioritizing lowest tuition per credit hour for online adult gerontology acute care nurse practitioner programs, the nuanced cost structures and enrollment criteria significantly influence real affordability.

For example, the University of Central Florida offers in-state tuition near $370 per credit across 41 credits, totaling about $15,170, but out-of-state students face a strikingly higher rate, making residency a pivotal factor. Similarly, Georgia Southern University's rate of roughly $350 per credit for in-state enrollees-covering 42 credits-provides a competitively low tuition but mandates Georgia residency and accommodates part-time study, which may extend completion time but improve work-study balance.

  • University of Texas at Tyler: Approximately $450 per credit; 43 total credits; estimated tuition near $19,350 excluding additional technology and clinical fees; lowest rates limited to Texas residents.
  • University of Central Florida: Around $370 per credit in-state, $1,150 out-of-state; 41 credits; roughly $15,170 total tuition for Florida residents; no cohort restrictions.
  • Georgia Southern University: Approximately $350 per credit for in-state, $900 out-of-state; 42 credits; about $14,700 tuition excluding mandatory fees; Georgia residency required.
  • University of North Dakota: Flat $475 per credit regardless of residency; 40 credits; estimated $19,000 total tuition plus technology and background check fees; cohort-based enrollment.
  • University of Nebraska Medical Center: Approximately $600 per credit; 44 credits; estimated $26,400 tuition excluding clinical fees; hybrid model with on-campus intensives required; uniform rates for all students.

While these institutions offer some of the lowest published rates among accredited adult gerontology acute care nurse practitioner master's programs, mandatory fees such as clinical supervision, technology, and background checks, which vary widely, can substantially increase the all-in cost. Additionally, residency restrictions and cohort enrollment models impose barriers that may affect accessibility or timeline for some candidates. Given the fluctuating nature of tuition and fees, verifying current costs directly with schools is essential to avoid unexpected financial burdens.

Balancing affordability with accreditation, clinical experience quality, and employer recognition remains critical. Place-bound or first-generation students should carefully assess whether these programs' delivery formats and cost structures support their unique circumstances while keeping in mind that financial aid options and eligibility also impact net cost. This detailed cost comparison assists in forming a comprehensive budget rather than relying solely on list price, enabling a more accurate assessment of return on investment.

For broader context on healthcare graduate tuition comparisons, consider exploring resources like MHA degree cost.

How Do In-State vs. Out-of-State Tuition Rates Apply to Online Adult Gerontology Acute Care Nurse Practitioner Master's Programs, and Which Schools Offer Flat Tuition Regardless of Residency?

Tuition policies for online adult gerontology acute care nurse practitioner master's programs have long mirrored traditional public university practices, charging in-state students lower rates while imposing higher fees on out-of-state learners. This differential has practical repercussions: prospective students living outside the university's state may face substantial financial hurdles or be compelled to consider private institutions or less suitable options. Recognizing these barriers, an increasing number of public universities have moved toward uniform per-credit tuition rates for online programs, removing residency as a cost factor. This development benefits students seeking geographic flexibility, simplifies financial planning, and can enhance access to these specialized nursing credentials.

However, not all institutions have adopted flat pricing; some maintain steep surcharges for non-residents, ranging from 30% to 50% higher per credit. For working professionals and first-generation graduate students funding their education independently, these disparities can alter the net return on educational investment and career timing. Residency status remains complex, influenced by legal definitions, employment location, and licensing, while tuition reciprocity agreements or regional compacts like WICHE and SREB may provide discounted rates but lack nationwide uniformity. Students should verify tuition details directly with each program's bursar or financial aid office to account for annual policy changes and avoid inaccurate marketing claims.

  • University of Florida: Implements a single per-credit tuition rate for its online adult gerontology acute care nurse practitioner master's program, eliminating residency-based pricing.
  • Texas Tech University Health Sciences Center: Utilizes flat tuition across all online nursing graduate programs to promote equitable access.
  • University of Arkansas for Medical Sciences: Offers consistent tuition for online AGACNP master's students regardless of physical location.
  • University of Nevada, Reno: Charges identical per-credit tuition for all states in its online graduate nursing programs.
  • University of North Carolina at Greensboro: Maintains a uniform tuition rate in its online adult gerontology acute care nurse practitioner master's program with no residency-based cost differences.

Conversely, many large public institutions, especially those outside strong reciprocity regions, continue to apply higher tuition rates to out-of-state online enrollees. This dichotomy forces potential students to weigh financial costs against program attributes such as faculty expertise, clinical placement support, and licensure preparation. The choice between a flat-rate institution and one with differential pricing can substantially affect enrollment feasibility and timing, especially for learners balancing work and family commitments.

One online adult gerontology acute care nurse practitioner graduate recalled the challenges of navigating residency-based tuition uncertainty during their application process. Applying late in the admissions cycle, they hesitated to finalize enrollment as the bursar's office took weeks to confirm out-of-state tuition costs. This delay complicated financial aid planning and forced them to evaluate alternative programs with transparent flat-rate pricing. Ultimately, the ability to secure uniform tuition was decisive, preventing last-minute financial strain and allowing the student to focus fully on clinical training without unexpected cost increases mid-program.

What Mandatory Fees Are Added to Per-Credit Tuition for Online Adult Gerontology Acute Care Nurse Practitioner Master's Programs, and How Much Do They Increase the Real Cost?

Mandatory fees significantly reshape the financial landscape of online adult gerontology acute care nurse practitioner master's programs, often pushing the true cost well beyond advertised per-credit tuition. For professionals self-funding their education or comparing offers from different institutions, these fees can create unexpected budget gaps if overlooked. Imagine a working nurse aiming to leverage an accelerated online program who faces an unforeseen $4,000 in cumulative fees on top of tuition-this additional cost could influence decisions on program affordability and financing strategies.

  • Technology Fees: Ongoing charges per semester for digital platforms, software, and IT support frequently run into hundreds of dollars, ensuring consistent access to online learning tools.
  • Program Fees: Specialized adult gerontology acute care nurse practitioner curricula impose fees to cover clinical resources, faculty mentorship, and coordination efforts, which may add several hundred to thousands across the program.
  • Student Services Fees: Smaller but recurring fees for advising, library, and career services accumulate over multiple terms, contributing to overall expenses.
  • Graduation Fees: A one-time payment near program completion, this covers administrative processes related to conferring the degree and can vary from $100 to $300.
  • Clinical or Practicum Surcharges: Due to the hands-on nature of clinical training, some programs levy additional fees for background checks, insurance, and clinical placement management, representing a sizable fixed cost.

Across accredited programs, mandatory fees can inflate total tuition costs by 10% or more, materially impacting return on investment and long-term debt incurred. Because these charges are often disclosed in fine print, obtaining a full fee schedule is essential before concluding financial comparisons. Calculating an all-in cost per credit-including prorated fees-provides a more accurate metric, helping prospective students gauge the true economic commitment required and align it with their career and financial planning goals.

How Do Online Adult Gerontology Acute Care Nurse Practitioner Master's Program Costs Compare Between Public and Private Universities?

Cost differences between public and private universities for online Adult Gerontology Acute Care Nurse Practitioner master's programs critically influence long-term career investment decisions. Public institutions typically charge lower per-credit tuition due to state subsidies, tuition caps, and economies of scale created by larger enrollments. For example, a working professional balancing family and employment might opt for a public university's online offering to minimize upfront expenses and total debt load while maintaining eligibility for in-state tuition discounts.

Conversely, private nonprofit and for-profit institutions often set higher per-credit rates but justify these with smaller cohorts and lower faculty-to-student ratios, fostering individualized clinical mentorship that can be pivotal in specialty nursing fields facing increasing demand across healthcare systems.

  • Tuition Differences: Public universities generally offer more affordable per-credit rates, especially to residents, whereas private institutions often command premium pricing, though the gap narrows as some private nonprofits competitively price online programs to attract remote learners.
  • Structural Factors: State funding and legislative tuition limits benefit public programs, while private schools rely heavily on tuition revenue without these supports, influencing sticker prices and financial aid availability.
  • Value Components: Higher private tuition frequently aligns with enhanced faculty engagement, established clinical placement networks, and stronger employer brand recognition, factors that can impact graduate employability and career trajectory.

Accreditation and Licensure: Regardless of institution type, students must carefully verify program accreditation and state licensure eligibility, as these determine professional certification and employer acceptance in the Adult Gerontology Acute Care Nurse Practitioner workforce.

Prospective students should incorporate these qualitative and quantitative elements into a comprehensive cost-benefit analysis. Per-credit rates alone do not capture the full financial or career implications of program choice. A meticulous review that includes tuition, hidden fees, clinical training support, and post-graduate outcomes is necessary to gauge total investment value in an Adult Gerontology Acute Care Nurse Practitioner master's program. Those seeking financial aid options and program comparisons may also explore resources like the best online medical assistant programs for related guidance and funding strategies.

Are There Online Adult Gerontology Acute Care Nurse Practitioner Master's Programs With Tuition Locked In at Enrollment, and How Does Tuition Lock Affect Long-Term Cost Planning?

Locking in tuition rates at enrollment can provide crucial financial predictability for students in online adult gerontology acute care nurse practitioner master's programs, particularly given the unpredictable nature of tuition inflation over multi-year studies. Without such guarantees, students-especially those attending part-time-risk facing escalating per-credit charges that inflate total program costs beyond their initial budgeting, complicating long-term financial planning and debt management.

Tuition lock policies differ widely among institutions, with important operational distinctions including:

  • Scope: Some programs lock tuition for the cohort's entire duration, while others limit the guarantee to a single academic year or to a fixed number of semesters.
  • Conditions: Enrollment continuity is commonly a requirement; pausing or withdrawing can nullify the locked rate, exposing students to subsequent increases.
  • Duration: The lock may cover full-time or part-time study lengths, affecting how well it shields students extending their completion timeline.

Part-time learners benefit most from tuition locks because their extended progression makes them vulnerable to multiple tuition hikes. This protection facilitates precise budgeting and reduces financial uncertainty.

Prospective students should proactively confirm whether a program offers a tuition lock, obtain explicit terms in writing, and scrutinize conditions that could void the guarantee before weighing this factor in cost comparisons.

An online adult gerontology acute care nurse practitioner graduate recalled deliberating over a program with rolling admissions that offered a tuition lock per cohort. Applying early promised a stable rate, but delays in completing prerequisite paperwork risked pushing the start into the next cohort with higher tuition. The graduate weighed the financial impact against readiness, ultimately fast-tracking preparation to guarantee the locked tuition. This experience underscored how timing and administrative details intersect critically with tuition lock benefits, influencing enrollment decisions and long-term cost outcomes.

What Financial Aid, Scholarships, and Employer Tuition Benefits Are Available to Reduce the Net Cost of an Online Adult Gerontology Acute Care Nurse Practitioner Master's Degree?

Graduate financial aid for online adult gerontology acute care nurse practitioner programs presents a nuanced landscape where the net cost can differ significantly from the sticker price. Federal unsubsidized loans remain the primary recourse for many, offering deferred payment options that ease upfront financial pressure but increase total debt load. Unlike undergraduates, graduate students face fewer merit- or need-based scholarships, and even fewer opportunities exist for online learners to secure graduate assistantships, which are often reserved for on-campus cohorts. This limitation makes institutional scholarships harder to obtain, especially in specialized fields requiring clinical competencies.

  • Federal Graduate Loans: Provide flexible repayment and stable interest rates, though they increase long-term indebtedness compared to paying cash.
  • Graduate Assistantships: Usually inaccessible to online students, assistantships offset tuition via research or teaching duties but mainly favor on-campus enrollees.
  • Institutional Scholarships: Scarce and competitive at the graduate level; applicants should proactively inquire about scholarships exclusive to online cohorts.
  • Professional Association Awards: Small but targeted scholarships or grants may supplement aid from nursing organizations focused on adult gerontology acute care nurse practitioner students.
  • Employer Tuition Reimbursement: Many healthcare employers offer tuition benefits under the IRS education assistance exclusion (up to $5,250 annually); understanding employer requirements, tax implications, and the possibility of negotiating support in job contracts is critical given the strong workforce demand.

Since aid policies and eligibility rules vary widely, prospective students should contact financial aid offices directly to receive customized net cost estimates rather than relying on published tuition. Comparing programs based on net per-credit cost rather than sticker price clarifies the true investment and aids strategic financial planning.

A growing share of programs report that almost 45% of enrolled adult gerontology acute care nurse practitioner students submit their applications late in the admissions cycle, which may limit access to optimal funding offers. Online learners weighing financial aid options and hidden costs benefit from a comprehensive cost comparison that includes tuition, fees, and program delivery format, complementing considerations of accreditation and licensure alignment.

For those balancing workforce entry and graduate education, understanding scholarships and employer tuition benefits for adult gerontology acute care nurse practitioner students enhances the return on investment and supports informed decision-making. Also, some prospective students may explore accelerated pathways; this includes programs recognized as the fastest FNP program online, which, while not adult gerontology acute care nurse practitioner specific, exemplify how program duration impacts total cost and time-to-entry in advanced nursing roles.

How Does the Cost per Credit for Online Adult Gerontology Acute Care Nurse Practitioner Master's Programs Differ by Delivery Format-Synchronous, Asynchronous, or Hybrid?

Cost per credit in online adult gerontology acute care nurse practitioner master's programs reflects not only institutional pricing strategies but also operational realities shaped by delivery format. Synchronous programs typically demand higher investment in live-session technology and faculty scheduling, making their per-credit tuition slightly higher due to the infrastructure needed to support real-time interaction. Conversely, asynchronous programs leverage scalability, offering more flexible enrollment with fewer live obligations, which can reduce per-credit costs. However, this format might lengthen time-to-degree if reduced engagement slows student progress, impacting the true financial outlay beyond raw tuition.

  • Synchronous Programs: Require live attendance, leading to increased institutional expenses and more rigid scheduling for working students, potentially prolonging completion and inflating total costs despite a shorter program duration.
  • Asynchronous Programs: Lower per-credit costs due to automated delivery and larger cohorts, but risk extended program length and decreased interaction, which may hinder some students' timely advancement.
  • Hybrid Programs: Combine online coursework with on-campus requirements, creating additional indirect costs such as travel, lodging, and childcare that are often unaccounted for in tuition comparisons.
  • Student Fit and Flexibility: Matching program delivery with personal schedules and learning preferences can reduce opportunity costs and speed degree completion, yielding a lower all-in expense regardless of per-credit prices.
  • Decision Making: When evaluating tuition differences between synchronous asynchronous and hybrid adult gerontology acute care nurse practitioner master's programs, students should prioritize formats that align with individual circumstances to minimize indirect costs and maximize program efficiency.

Beyond pure tuition calculations, prospective students should consider accreditation, licensure implications, and financial aid strategies to build an accurate total cost estimate. Working adults weighing these options might also explore related fields; for instance, those interested in accelerated credentialing may examine the BCBA accelerated program as a potentially faster path in a different healthcare domain.

What Is the Minimum GPA Requirement for Adult Gerontology Acute Care Nurse Practitioner Master's Program Admission, and How Does Selectivity Relate to Per-Credit Cost?

Employers generally value candidates admitted to accredited and reputable programs, but they also prioritize clinical experience and licensure outcomes over minimal academic cutoffs alone.

For instance, a candidate with a 2.9 GPA near the lower end of acceptable ranges will often find stronger admission odds and potentially similar tuition costs at moderately selective programs than at highly selective ones with elevated GPA floors.

Minimum GPA: Varies between 2.75 and 3.5, centered around 3.0 for most programs.  

Strategic Applications: Prospective students benefit from identifying programs where their GPA places them comfortably within competing cohorts.

Comprehensive Cost Assessment: Per-credit tuition is only one element; fees, financial aid availability, and program length heavily influence total investment.

Applicant Pool: Competitive programs usually admit applicants with GPAs above minimums, affecting realistic admission chances.

Selectivity vs. Cost: Higher GPA cutoffs often imply competitiveness but do not guarantee higher tuition; exceptions exist.

In a labor market where adult gerontology acute care nurse practitioners command median salaries around $110,000 annually, making financially informed enrollment decisions grounded in realistic admissions prospects is essential for long-term career sustainability and return on educational investment.

What Graduates Say About the Cost per Credit for Online Adult Gerontology Acute Care Nurse Practitioner Master's Programs

  • Ryker: "I had to balance a full-time job with family responsibilities, so the decision to enroll in an online adult gerontology acute care nurse practitioner master's program was mostly about flexibility. While the coursework was demanding, I appreciated how the program emphasized building a clinical portfolio and arranging internships that aligned with hospital schedules. After graduating, landing a position was challenging since many employers prioritized hands-on experience and certifications beyond licensure, but my internship connections ultimately opened doors to a supportive acute care team."
  • Eden: "Money was my main constraint when considering career advancement, so I chose an affordable online adult gerontology acute care nurse practitioner program that offered accelerated pacing. I expected to quickly enter the workforce with strong credentials, but I found that despite the degree, some roles required additional certifications or clinical hours that extended my timeline. Still, the program's focus on remote care and telehealth skills proved valuable as I secured a position that allows flexible hours and steady salary growth, even if it's not at a major hospital."
  • Benjamin: "Switching careers after a decade in general nursing was daunting because I had limited time and needed a program that respected that reality. The adult gerontology acute care nurse practitioner master's program I chose provided a rigorous curriculum and pushed me to complete multiple internships, which felt overwhelming alongside work duties. Post-graduation, I realized that many employers expected a comprehensive portfolio showcasing acute care experience, so the program's hands-on emphasis was crucial-though I had to be strategic about targeting roles that valued my niche skills over simply holding a license."

Other Things You Should Know About Adult Gerontology Acute Care Nurse Practitioner Degrees

How do per-credit costs for online adult gerontology acute care nurse practitioner master's programs at regionally accredited schools compare to those at nationally accredited institutions?

Regionally accredited programs generally charge higher per-credit tuition than nationally accredited counterparts, reflecting more rigorous academic standards and wider professional recognition. For students seeking licensure and employment in competitive healthcare markets, investing in regionally accredited programs often ensures smoother credential acceptance and better employer confidence. However, the cost premium can be substantial, so prospective students should weigh whether the accreditation status aligns with their career goals and geographical licensing requirements before prioritizing lower tuition.

What are the hidden costs of completing an online adult gerontology acute care nurse practitioner master's program that don't appear in the per-credit tuition rate?

Beyond tuition, students must budget for mandatory clinical placement fees, supply costs, technology requirements, and often higher certification exam preparation expenses. These hidden fees can add thousands to the overall program cost, especially since clinical placements may require travel or special scheduling accommodations that reduce work hours. Failing to account for these additional expenses can undermine financial planning and extend time-to-completion, particularly for working professionals balancing multiple commitments.

How do the per-credit costs of online adult gerontology acute care nurse practitioner master's programs at for-profit institutions compare to nonprofit alternatives, and what are the risks?

For-profit programs often present per-credit rates similar to or higher than nonprofit schools but typically offer less transparency about post-graduation employment rates and licensure pass outcomes. These programs may prioritize enrollment growth over educational quality, increasing the risk that graduates face challenges with employer recognition or state board certification. When cost is comparable, prospective students should prioritize nonprofit programs with proven outcomes to safeguard their investment and long-term career viability.

How should prospective students use per-credit cost data to compare and choose among online adult gerontology acute care nurse practitioner master's programs?

Per-credit cost is one piece of a complex puzzle that should be considered alongside accreditation, clinical placement support, and licensure pass rates. Students should develop an all-in cost estimate incorporating mandatory fees and indirect expenses, then contextualize this figure with program outcomes and alignment to their professional goals. Prioritizing programs that balance reasonable tuition with strong licensure support and employer reputation is more strategic than selecting solely based on lowest per-credit charges.

References

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