Starting with 0 credits. Quickest roadmap to a degree. Any guidance?

[cavelady]

I'm 34 and I've just decided to go for my college degree. I have zero college credits. I've been reading the forums and they are great!

I have always loved to learn. Especially on my own. Since high school I have done a lot of self-directed learning so I feel like I already have a pretty solid education. (Especially in English, Spanish and Fitness/Nutrition.) So at this point I'm mostly just looking to get a degree to increase the number of doors open to me.

Since I love to study on my own and at my own pace, testing out of courses really appeals to me. I'm also be interested in affordable classes that can be completed in as little time as it takes for me to complete the requirements. (I've seen that some self-paced classes still have a min. time limit, like at least 6-8 weeks. I'd like to avoid any limitations like that, if possible. Especially when I already know a particular topic well. I don't know if anything like this exists.)

My top priority is finishing in the shortest amount of time possible. Expense is also very important but if I had to pay an extra $1k to get it done faster, I would probably opt for that.

Any suggestions on the fastest (and most affordable) route to any degree? (I know this question has been asked lots of times before but I couldn't find anything up to date for someone starting from scratch.) I'm pretty open to any route that will get me there quickly.

You guys help soooooo many people on these forums. Thanks in advance for taking the time to share your hard earned wisdom with me.