Yet, another question!

[mrs.b]

I swear I feel like I'm asking a new question every hour, but the advice here is so great, I can't help it!

I'm enrolled with the Comp tuition plan using FA at TESC.
The way FA works at TESC is that TESC is paid first, remaining funds distributed later, which in my case occurs after the 2nd semester that I am enrolled, which is a small amount. However in 3rd and 4th semester, I would get the full amount.

Currently I'm taking 9 credits via guided study as it was my plan to maximize the comp plan and take the full 36 credits, 9 per 4 semesters.
After filling in some of my degree plan with my recent straighterline courses, the only classes that I need are:
3 credits chemistry - planned via CLEP (lack 3, will earn 6) as back up could earn 3 via TESC
3 credits computer requirement - TESC?
6 credits organic / biochem - Oregon SU or UNE (OSU cheaper @ $1488 for 6 credits)
3 credits Current trends req. by TESC - TESC

In essence I need 6 more credits via the FA, plus the overage to pay for the organic chem class, but being that I don't want to waste the "21 freebie credits." I'm not sure what to take and how to plan it, because it is my understanding once I "earn" the BS, aid stops - or at least Pell. I've considered doing the dual concentration and am considering the BS to MS Clinical trials where I can take 9 credits, but not sure if I want to prolong my BS degree. I'd rather be done with it or have BS and grad certificate. My ultimate goal, 1 year ago was to finish the BS, now I feel like I'm reaching further (which is okay), but I want to accomplish the BS and have something to show.

Does anyone have any suggestions on how I can maximize my plan, graduate ASAP (in least time) and still utilize the FA and most if not all 36 credits?

Here's the thing - that 3rd and 4th term reimbursement may seem like a lovely check to receive, and it will be right now, but please keep in mind that it's a loan. You're going to pay it back, plus interest, in good time. If you can complete all your credits in just terms one and two, then graduate without taking the disbursements for terms three and four, that's money you're not going to pay interest on and repay. It's roughly half the payment when you do start repaying.

Also, I think I remember reading somewhere that you can change your enrollment plan even after you're enrolled. You'd need to call the Bursar for details, but it might have been in the Bursar section of the help desk knowledge database? I'm certain I've seen it somewhere. If you take only the six credits required at TESC, change your enrollment plan, you'd have to run the numbers, but you may get enough of a disbursement in the second term (taking into account what was already disbursed in the first term to cover the Comp Tuition) to pay for that course you need...if it isn't available for less elsewhere.

Those are just a few thoughts, basically summed up by "less debt is better." And congratulations on being so close and figuring out how to make it go faster!