What kind of job and what would be your salary? You also have to spend $2-4,000 extra on those classes you haven't finished for that school!
Highly suggest not to enroll in 94 credit 4 year program..that's long. Will easily cost more then $38,000 with tuition increases and other expenses like gas for the extra 2 years. Probably closer to $46,000 plus the $2-4,000 for the classes you are missing. So total will be closer to $50,000. Like I said even if you pay $10-25,000 more and graduate 2 years earlier, that's a lot better because you will likely be making a much higher salary than you are now. I think you are looking too much at the cost. Graduating earlier with more debt, but having 2 years work experience is better in my opinion. Because after 2 years working you will be a lot better position financially with all loans paid off if you do a 2 year program, even with the extra $20,000 loans rather than graduating in 4 years with DEBT!