Help to finding A degree/plan.

[bjcheung77]

I'm pretty sure there isn't any testing centers close to me :-(

Have you read my Beginners Guide, the spreadsheets and the wiki? That's the reason I recommend ACE/NCCRS credits through Straighterline, Study.com, (and depending on what you need, Saylor/Shmoop)

Is there any difference in the difficulty of the CLEP/DSST exams and for example study.com?

Yes, there are. CLEP/DSST and most exams are pass/fail in ONE exam. Straighterline/Study.com, you can pass the course for some or most courses before you get to the final exam (it's cheaper/easier/faster) - and better for those who are far from a testing center.

I got your multiple PM, I don't think there are anything similar to the Big 3 outside of the US for Bachelors.
However, if you're looking for a Masters or PHD, Heriot Watt is the best test-able option I know.
You cheapest/easiest/fastest right now would be a BALS using Saylor/Shmoop and your ACTFL/NYUTFL.

The speed of which you can finish of of this is in 4 months if you follow several steps and have time management...
One of the people who followed my BSBA GM, finished his degree in 4 months exactly. PM me, I can set you a schedule to finish your BALS as it's "easier" than the BSBA and cheaper.