Now, she's taking what she thought were "finishing" courses at University of Phoenix Online...and she found out this morning that, out of 162 credit hours she has, U of P/O is only accepting 57...that's right, 57 of them.

This throws her back to pre-Associate status..which means that she will have to PAY out the nose for courses she's already taken, and when she's done (another three years?), her student loan repayment schedule will be so high she'll never be able to pay it off within her lifetime.
IMHO, this is "bait-and-switch"...promises of "completing" her degree, but denying her of hard-won credits to keep her in thrall to the U of P/O...just another way to get $$$ out of her.

What says the Board?