Need a degree to get the CFP

[bjcheung77]

To be technical, no, the courses you are taking if it's ACE/NCCRS are not "accredited", they're recommended for credit and most institutions that are Nationally accredited or Regionally accredited will accept these for transfer credit. These courses are pretty much similar to CLEP/AP and IB courses/exams you take that grant you academic credits at institutions, some colleges grant just advanced standing/exemption...

Having said that, yes, the final result you get from the institution, if you graduate from them, is an accredit degree as these institutions take up to 90 credits of alternative credit transfers, 30 will come from the institution such as PUG, UMPI/WGU. If you decide on the Big 3, Excelsior allows up to 113 alternative credits, 7 have to be residency credits, for COSC/TESU, you need 30 RA credits, the rest can be alternative credit.

From what you have provided above, without knowing your commitments (you didn't mention earlier if you have kids, etc), you have mainly two options - Big 3 if you want to use the max out of alternative credits and want to "self-pace" your education. The other option is competency based where you go through assessments and exams, this is recommended if you have experience in the subject matter, you should review PUG, UMPI/WGU.

You need an action plan: To start off, since you have X credits, I suggest taking up to 30, 45, 60 credits from Sophia.org that can transfer into the institutions above, and while working on these courses with an additional monitor for multi-tasking, decide on the degree/school of choice. You don't have to rush through it, but decide before you get past that 60 credit threshold... https://degreeforum.miraheze.org/wiki/So...lency_List

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Forgot to mention, if you're just looking for that degree to check the box, and you seem to have a good budget - You may want to go for a TESU BSBA / WGU MSML combo as they have programmatic/secondary accreditation through ACBSP. I would suggest a general management option so you can test out using Davar instead of writing assignments with Study.com courses.