Union Institute and University had a valid PhD program, but it was put on probation back in 2004. Sadly, students were not given an option to withdraw and be given refunds for big student loans. I hung in there as long as I could, and kept borrowing, but because the US Department of Education had disqualified them for Federal Student Loans, I had to use Sallie Mae's Opportunity Loans. I wish I had withdrawn in 2004. Union officials met with the DOE and Ohio Board of Regents to try to get their accreditation back, but it never happened. Students who have tried to get their credits transferred to another program so they can finish with an accredited degree find they are worthless now. What is confusing is that because Union did have a good reputation at one time, many in the academic community don't know about their PhD program's problems. As far as I know, their undergraduate programs are still accredited, adding to the confusion. The essential problem with the PhD program is that there are not enough faculty and staff to administer the program. The degrees take forever to complete, drawing the student deeper and deeper into debt. They describe a new PhD program online, but as far as I know it is not yet accredited, and students who matriculated into the older program are not allowed to transfer into it. I'm now leading a group involved in a lawsuit against them. Anyone who wants more information is welcome to contact me.