I'm currently finishing up year 2 at SGU.
Although I can't comment on Ross, my estimated debt at graduation (on full loans) will be about $180k. Depressing, yes! But worth it, I'm sure.
As far as program length, there are 5 so-called "academic years", which are typically done in the usual 4 "calendar years" (I started in August, 2002 and will graduate in May, 2006). I think they separate it like that for financial aid reasons. The first 4 terms are spent in Grenada, and terms 5 and 6 are spent in St. Vincent.
I think Ross may be cheaper?
Feel free to PM me if you have any specific questions regarding SGU.
--Brian