You can get into Axia, otherwise known as the University of Phoenix very quick.
How quick?
They, the Enrollment Counselor at Phoenix will walk you through on the phone and tell you what to click in order to get your MPN, otherwise known as your Master Promissory Note. This MPN is what locks you into the loans you are asking for, like subsidized and unsubsidized loans. You will get immediate help and be nudged into getting it done quickly.
The University of Phoenix are a polite staff that have a deferment policy that forces you to sign a MPN with their list of Lenders. This list, if you do not choose one on it will force you to wait until fianancial aid comes to start. There are good lenders on the list, I had no problems with Wells Fargo for instance. The nudging gets _HARD_ at this point for you to sign as you are one step closer to being locked into paying loans.
Franklin.edu on the other hands forces you to take a test in order to sign the MPN. This test makes you understand all the aspects of the MPN and what you will expect in the future. Phoenix does not force you to answer questions, rather, they just ask that you agree without expecting you to show knowledge about the subject.
If you want to know what you are getting into, Franklin will test you on the subject of borrowing money. Phoenix will show you the information and quickly speak on the phone to get you started but requires no testing of the pitfalls of Stafford loans.
Franklin is looking out for you as there exists the possibility you might not understand what is going on. I must concur at this point that Phoenix, while good for some students, is interested in money first then education. I received my education the first year but can fully understand why some did not and are left with bills to pay.