Please help me decide on an academic path

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3) Complete 30 Saylor.org courses for 90 credits at $5 each, total is just $150 for 90 credits

This is a resourceful plan, although it's important to note that Saylor is a very large tradeoff between money and time, and a risky one at that. The content takes much longer to consume and prepare for the final, and 30 finals is 30+ chances to fail, effectively doubling, at least, your cost if you have to re-take the exam a second or third time. Although it wouldn't be exactly 30, given IC Spanish/Gov and CSMLearn, it would only be 27, I think?

In contrast, Sophia has at least 16 3-credit courses with either zero, or minimal, touchstones, all of which can be completed in a month. I know because I completed 18 in two months while working 50+ hours at a full time job, completing the Google IT certificate, and passing 4 IT certifications. If you can complete 20 3-credit courses in one month with Sophia, and then complete the 7 easiest Saylor courses, that would only be $115, and it would be much, much faster. If you can pre-game your Sophia courses, that will help also. However, most people don't, and many have gone very quickly to fit it all into a single month.

This ^^, OP is open to options and suggestions.  That was just an example, I too would recommend the Sophia.org/Study.com combo due to Saylor.org course content and the way their courses are made, it's not a very good option.  Having said that, Saylor does have an interesting LL/UL course set for Comp Science that Sophia.org has.  If TESU BACS is the one OP wants, I highly suggest getting Sophia.org/Saylor.org and Study.com down that list, along with the CSM and ACTFL for language courses.  Further to that, since they're in their twenties and paying for a degree at TESU, might as well get the BSBA CIS/BACS combo for the same price.

Thank you so much. I guess I'll renew my Sophia subscription and start to polish off the gen eds.