Which Would You Choose? Have more than enough credits to make a BS I think...Costs?

[learn]

Well, I've done enough reading and research to at least ask at what may be the right sorts of questions...

After 24 years and two runs through two different large state universities, I am still lacking a BA or BS. I have at least, if not than 184 semester credits upper and lower level in such wonderfully diverse areas as math, elementary education, and psychology. I am thinking I would be able to go straight to a BA or BS. So, the issue then is one of credit transfer evaluation, probable satisifaction of graduation requirements, cost, and time.

I've read that TESU could transfer up to 120 credits, and possibly not require additional courses, while COSU and Excelsior may require keystone/capstone courses. Is that still correct?

Then there is the issue of cost. Assuming I am able to transfer 120 credits in the right areas, how would costs compare? Which one would be the cheapest?

Charter Oak looks like: $75 app fee + $205 grad fee + $220 semester fee? + the keystone/capstone courses?

Excelsior is: $80 app fee + $975 enrollment + $465 student services fee + keystone/capstone courses? + grad fee? + transcript service fee??

Using the TESU calculator, they gave the cost as: Estimated costs for degree $3,318

If I don't have to take the keystone/capstone courses, TESU is faster, but is it cheaper too?

Thanks for your help