My semester in Ghana was, in a word, magical.
It is nearly impossible to describe what makes study abroad in Ghana so special, especially because many of the things that make it so wonderful are the things that might scare away the less adventurous spirits.
USAC places its students in ISH (International Student Hostel), one of the nicest dorms on campus. ISH has no A/C and no hot water - so say goodbye to hot showers. The tap water in all of Ghana is untreated and so you can expect to get all of your drinking water from bottles or "sachets" (little bags). Each floor has two kitchens, but the only cooking implements are hot plates, which occasionally decide not to work. And unless you want to pay to have your laundry done for you, you'll be doing it by hand.
Still, these things, the day-to-day struggles, were part of what made Ghana so wonderful. I found that living without the things that I take for granted, I was actually happier. It helped me to appreciate the beautiful, simple things in life.
Like learning to greet my friends who worked at the Night market behind the dorm in Twi, Ghana's local language.
Like learning to love kelewele (spicy fried plantains), eating soup with fufu with my hands, and devouring a whole grilled tilapia.
Like the small joy of making it indoors just in time to miss the torrential downpours of the rainy season.
Like watching and participating in traditional dance and drumming and seeing just how beautiful and alive it is.
Like hearing Afrobeats everywhere! (if you don't love it already, you will learn to)
Like the adventure of taking a tro-tro (a minibus) across Accra.
My time in Ghana was life-changing, and I hope that I can carry what Ghana taught me about living simply and joyfully through my entire life.
As far as program-specifics go, I chose USAC because it is probably the cheapest program available, but you don't have to worry about skimping out. USAC provides as good an experience as any other program, and the support staff in Accra (Abigail, Claudia, and the student team, as well as the trusty tour guide Joe) are fantastic - they truly care about you and are easy and fun to interact with. The USAC trips are expensive by Ghanaian standards (though not by US standards) but I think it's probably worth it to pay the extra to go with the group, for the experience and bonding. And, as a side note, take the time to ask Joe about his school - it will definitely be worth it.
I recommend that with your time in Ghana, you travel a lot, but not too much! Spend weekends in Accra and not just outside - there is an awful lot to see in Accra. But, if you try hard, you can make it to all 10 regions of Ghana before you leave! Other fun things that are easy to do: take a dance or drumming class (or both), volunteer, join the ISH soccer team, get clothes made specially for you by a seamstress, and go to as many cultural events as you can (weddings, funerals, coronations, etc.).
If you have any specific questions about life in Accra, studying at UG, or my experiences with the program, please feel free to ask!
I think that the classes that USAC offers could be improved a lot, and hopefully they're working on that. I would recommend not taking any more than you're required to - take as many classes as you can through UG instead.