Yes, you read it right. I am seriously considering dropping my online PhD at NCU. It's a great program, as good as any other online program out there, so the school is not in question. The program at NCU is very well implemented and I have learned a great deal. Below are the reasons I am considering this and I solicit any advice you, my online friends, might offer. The following are in order of importance to me. 1. Most importantly, the ROI involved. I'm paying for this 100% right out of my retirement savings and I'm not convinced that I'll be able to make enough money with a PhD to pay myself back. As a teacher, I get a pay raise with a PhD, but it's not big enough to do the job. 2. It appears that future adjunct online jobs, to supplement payback income, are possible but not guaranteed. I applied at one school as an adjunct and there were over 100 applicants for each job opening they had available. I'm sure a PhD would give me some advantage, but enough? Who knows? 3. If that is true, it turns the degree into a pure vanity degree. I'm vain I'll admit, but I don't think it's worth $45K just to feed my vanity. 4. One of my secret goals was to use the degree to teach part-time at one of my alma maters. I contacted the dean of the business department there and he said he would not even interview someone with an online degree. 5. If this turns out to be mostly a vanity degree, I may consider doing something cheaper, possibly DETC. Maybe something at Aspen, possibly their EdD program. That would still qualify me for a pay raise and still might open up doors to being a principal. Not sure about DETC at this point. Please note that I did a great deal of due diligence research before I started this program at NCU, but many of these details only became apparent as time has passed. Moreover, I do not have much money invested into this program yet, so now is the time to jump, if I ever am going to.