Please, please, please! Check with your local community college before you go to one of these for profit universities! Chances are the CC has the vocational program you are looking for ie: Culinary arts, nursing, medical assisting, etc for a third of the cost. The refund nightmares you describe are non existent (refunds assessed and disbursed in the first three weeks of each term) and the instructors must have AT LEAST a Masters in the subject they are teaching-more often than not they have a pHD.
The other clear bonus of the community college is that it is in YOUR COMMUNITY. So when you are doing your practicum in nursing you are working in your community and the connections you make will help you get a job. You don't need empty promises of "job placement" when you are already working and making connections in your community in your chosen profession.
Please check it out!
