I am in my third semester at UMUC in their dual Masters Program in Financial Management and Information Systems. I did have a serious run-in with the Financial Aid office when I first enrolled nearly causing me to switch graduate programs altogether. After weeks of run arounds due to a systems glitch on their end plus incompetent student support, they finally addressed the matter. Their financial aid package was still erroneous causing me to have to pay back a small sum, but since the initial fiasco financial aid and accounting has worked well enough. Honestly on this count, I think you just need to be wary and prepared to be especially diligent with your own follow up if any issue arises, but I suspect most their system functions adequately most all of the time.
In regard to classes, this is where the mixed bag comes in. I definitely would rate UMUC higher than the online private colleges and there a quite few aspects of their online program that I find to be well organized and even impressive. For the most part, I have found the professors to be available and sensitive. On a handful of occasions I have reached out to department heads/ staff and in each case I have received a thoughtful response, kind of surprising actually. The "mixed bag" comes in because my experience with professors has been inconsistent. It seems as if UMUC has a lot of new and part-time professors, at least for their online courses. They are not all bad, but it is difficult or impossible to find many of these professors listed on 'rate my professor' or similar review sites, so you're really shooting in the dark when registering for classes. The repercussions of this can be severe. I have had simultaneous equal credit courses where the quantity of work for one course was easily more than double the effort of another. So, it's a bit like a roulette wheel of how much work you'll be doing any term.
issue I have noticed repeatedly is that UMUC obviously requires professors to include group work. I get the reasons for this; however, like other reviewers, this can leave you in a pretty tenuous position in an online class if the group dynamic is not monitored closely by the professor, which it generally is not. There seems to be the preconception that in graduate school all students are adults and so work it out for yourselves. However in every course so far I have seen students drop the course like flies as the course progresses and of course not every student puts in equal amounts of work. So imagine a group project worth 20% of your grade and your group drops from 5 to 2 and then your last remaining group member emails you right before the project is due that because of blah, blah, blah, their portion of the project is going to suck.
Having countless courses in the classroom and also online, my opinion is that generally speaking it's the classroom courses that are easier. It's a lot easier to participate in classroom discussion or separate yourself out as a good student in a classroom environment. There is a dynamic with online courses too that professors feel like that have to assign you A LOT of busy work to ensure you're actually participating and learning. Nevertheless, not commuting and scheduling are far better. Each class at UMUC thus far requires online classroom participation. Each week's discussion being worth usually about 1% of the grade. Though a very marginal amount, my experience is you have to really take time and research and contribute to these discussions. This is where the grade rounding occurs more than anywhere else. It's time consuming but not especially difficult.
Thus far every course has required a research paper too, but that is to be expected. The trick to this by the way, is to keep your paper topic general, so you can more or less re-write versions the same paper again and again.
Overall, I think there must be better online programs out there than UMUC. A lot of the prestigious private schools are offering these and in hindsight I probably would have spent more time trying to identifying one of these programs. Even so, UMUC is reputable, the price is reasonable, and you will actually learn. A graduate degree will clearly set your resume apart from those without, frankly just a Master degree "in progress" will prop your resume up.