When to send transcripts from Sophia or SDC to TESU

[AZDan]

The three graduate programs that I have narrowed down to have accelerated online programs, have a "3.0 for last 60" requirement. I know most grad schools are currently waiving the GMAT/GRE due to COVID but who knows how long that will last. Neither of the grad schools I narrowed to are part of the Big-3 or WGU. So this is why I am so concerned about the GPA. My list is, Univ of TX PB, LSUS, and Univ of Central Ark as the grad schools I am strongly considering.

Below is a copy/paste from my transcript regarding Cornerstone...

F: GE Electives (In progress)
For TESU course options, go to TES-100 Cornerstone: Lifelong Learning Strategies Course
and General Education Elective Courses
Beginning July 1, 2019 all students who have not completed TES-100 by June 30, 2019 will be required to take SOS-110 (3 credits), in lieu of TES-100. SOS-110 may be used to fulfill the required Information Literacy requirement or as an elective in all undergraduate degree programs.

SH Earned: 16
TES-100 1 SH (Waived)
!! Exception SN-TES100
Cornerstone: Lifelong Learning Strategies

Additional General Education Electives 19 SH (In progress)
!! Exception TES-100 waived (student has to take SOS-110 Take 20

The other issue is timing of payment. TESU advisor told me they don't have any payment plan options so the $3,192 waiver fee would be a little difficult to pay out-of-pocket all at once.