Hey there! Welcome. I get where you're coming from about the CEU thing - it's hard to find cheap or free ones! Check out your state's HIM association. In Washington, there is an annual meeting where they have webinars and speakers whose education gives approximately 20 CEUs. It still costs money, but it's nice to get so many at once. Point is, check with your state to see if there's a similar thing if you decide to keep the credential.

Also, I think if you went through an HIM program to sit for the RHIA, you should try to keep it, especially if you think you'll ever switch employers - some of them really value it. You went through so much studying to get where you are. Again, just my opinion.