Try to apply within 1 year of when you think you will be able to finish. You want to get your path locked down and guaranteed. I just enrolled, and I am lacking around 45 credits or so. But most of them are filler and 5 of them are actual courses that I need to take.

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Previous Credits:
Traditional 57
CLEP English w/essay 6
Heriot-Watt MBA 7 Modules + 1 Tenative Compensatory Pass

IC Study Credits:
Info. Systems & Comp Apps. CLEP 68
Principles of Marketing CLEP 79
Principles of Management CLEP 73
Working On B.S. Marketing from Excelsior & finishing MBA from Heriot-Watt
Total Credits to Date: 86