The idea before was at least partly that you get a great deal more structure, feedback and accountability than you do in any university. Now that all seems to have been jettisoned but a learning community with a schedule and a curriculum is worth something. Udemy courses plus a knowledgeable lecturer and a lot of TAs who know the material less well but can solve most problems and a schedule of full time study/building for nine months would absolutely be worth Lambda’s upfront or ISA cost for a lot of people. I paid £10,000 for a Master’s that was basically a textbook subscription service with access to past exam papers and two graded essays per module.