After months of research I have found that coding provides more job opportunites at a higher rate of pay. I would invest your money in a masters in HIM. You can come out and sit for the RHIA and start making over 50 K! You can not make that money doing transcription!!! You can also do a post bac or graduate certificate, but they cost the same amount and take the same amount of time as a masters in HIM.
I am starting this spring at St.Scholastica, online too!!
Good luck in your research and decesion!