Just my two cents worth regarding the payments by credit card.
I am still trying to get my money back from Mastercard after the folding of Pilot Assist. They initially refunded the money but then took it back again as the vendor apparantly declined the claim!
Duh! well of course they would, they're in receivership!
The "negotiation" continues and I am still out of pocket to a considerable degree.
So I wouldn't pay as much up front even on credit card, and I would and have done more background research for the next chosen school!