University withholding transcript

[sanantone]

... 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.

If you misunderstood what I meant, then the OP probably did too.
I don't mean replace them INSTEAD of obtaining a transcript- I mean replace them WHILE waiting to pay off the debt.  If it takes a year to get this cleaned up, there is no reason to sit there and twiddle your thumbs- earn the credit now and get some traction.

Why replace credit that you already have? If you have to get a transcript for it anyway, what's the point replacing it?

I wouldn't pay to replace anything, but we have the entire CLEP catalog available right now for free, you can go crazy at onlinedegree.com for $9, and you can hit the Saylor catalog too.  That doesn't even touch the TEEX options.
I realize that it seems silly to accumulate credit that you might not need to, but in my experience, getting started is MUCH HARDER than sitting here talking about it and agonizing over it for the next 6 months.  The OP needs to start - get some credit.  We can talk and talk and talk but none of that moves the needle.  I vote for action.  Earning credit will be motivating and increase OP's likelihood of finishing which also can be motivating for paying off the debt.  
Sitting here thinking and talking is an excellent way to procrastinate.  Honestly, how many credits are we even talking about here?  Not a full AA, so less than 60.  My math says the OP has at LEAST 60 credits to earn before he/she needs to worry about my comment - 60 credits is no small task.  THOUSANDS of our members here join, talk, and walk.  Seriously, just pull the trigger already!

She can earn credits that don't duplicate the credits she already has and don't fill the same spots as the credits she already has. She just has to list her credits here so that we can give her an idea of what she has left to complete. Redoing classes is a waste of time that can be better spent completing classes she actually needs or even doing part-time work or overtime that can help her pay down her debt.