I'm kinda in the same situation as you. Depending on the school, some will require you to send transcripts from everywhere you attended. However if you plan on gaining credit I would say test out. It's similar to RA credit. In my case I only have about 30 RA credit and the rest Pass/Fail "ACE" coures from Penn Foster, Straighterline, ALEKS. So I don't know where I'm going to go to grad school after I graduate but if I can't get accepted anywhere Liberty it is, and if not Liberty, AMU ;/ There was a thread on here, Liberty University accepted some one with no GPA from TESC. But since I live in Florida, I'm planning trying the State Universities first than the private ones. I have a strong feeling Nova SouthEastern University might accept me, I don't know why. I'm planning on just sending my Penn Foster, Straighterline , ACE and the remaining of my RA transcripts and explain why I am in this situation etc. Good luck though let us know.
B.A. (Social Sciences) Thomas Edison State College.