FAFSA, and shooting yourself in the foot.

[cookderosa]

your credit by exam won't count for using federal aid toward your enrollment, meaning if you complete an exam it doesn't "count" toward your 6 credit minimum, so my suggestion is simply not submitting your exam credit transcript to your school until you're finished taking classes or are in your last semester.

I'm unfamiliar with the % situation you talk about, however, just enroll in the BA program from the start and go from there.

Good luck as you get started!