re: Cash-flow 44 month MBA vs. Borrow for 22 month program

Something you may also want to consider is your current career progression/track within you company.

Many companies such as accounting and law firms use a more or less standard promotion schedule. If yours does it may be worth timing the end of your schooling to come after your promo. That way when you are finishing your program and you are going through the recruiting cycle, you have already maxed out your prior job title for that time (instead of having put in 3 years as a Analyst having yet to make the jump to the next title chain).

I know this isn't practical for 99 out of 100 people. But I think it is a good thing to think about it in terms of doing the 44 instead of 22. If you know you are going to get promoted to a better title, I think it takes you a little further to already have achieved that when you are applying for jobs. Particularly when it comes to applying for a Manager Rotational program which are really popular for people finishing MBAs.