Since you mention University of South Florida, I assume you are located in the Sunshine State.
The important factor here is transferability. It's probably a good idea to ask the USF advisor about articulation agreements with community colleges.
For an online AA/AS, I suggest checking out
distancelearn.org maintained by the Florida Distance Learning Consortium. At the site, you can search for online AA/AS programs offered by NOT-FOR-PROFIT colleges that are almost guaranteed to cost a fraction of for-profit schools such as Phoenix, Axia, DeVry, and many others. Also, compare associate degree plans with the USF degree you wish to pursue. I recommend an AA or AS in business or business administration if considering a bachelor's in MIS.