Yup, Ragnarok Online. First rule: Don't join the official server. You'll probably die of boredom from the low exp rates and grinding. Wasn't hard at all for me to get into.
ohgawd, I've played on several servers. I wouldn't suggest you play HR (high rate) and SHR(super high rate) before low/midrate; you're screwed if you get used to owning.
ratemyserver.net
I used to play on AnimusRO. That's a decent server to start on. Then I switched to GarmRO (nonexistant now), and aRO felt really really slow, haha....
Recently I've only played on Reflex-RO, but besides Animus, LuminaRO is a nice place to start, especially midrate. I can help you two with stuff if you need it there.
I also must say that I hate the Finacial Aid people at my school. The Reason I'm sitting in my dorm hungry and having not eaten for two days is because while I have Scholoarship/loan money, they won't give it to me.
Make sure to give them your Master Promissory Note, and either do it far before hand, or in their office. I sent them the Note, but they haven't got it yet apparently...