University withholding transcript

[dfrecore]

... IMO, you can probably REPLACE the credit you already have on your old transcript in half the time for hardly any money- by the time you're ready to enroll at TESU, you won't even need them, but if you have them at your disposal, you might as well request the transcript and see what can be used.   ...

Replacing the credit does no good. They still need the transcript in order to graduate.

I think cookderosa was saying that the OP should work on earning credits for a year while saving up money to pay off the debt.  At that point, they can get their transcripts.