I have dealt with NCU twice since I quitted the PHD program. On both occasions the customer service was excellent. My guess is that NCU is reading degreeinfo. I still think quitting NCU was one of my best financial decisions. Since then I have discovered many things that I am very passionate about. It looks like I may be at WNMU for a while. Also a PHD is still in my plan. And I will have money to spare, not bad. I wish NCU good luck - Better lake than never.