My UMPI transfer credit evaluation - transferring to TESU

[ss20ts]

My mistakes, my minors are 21 credits. I took almost every class at Sophia so I don't know what else I can take to fulfill the requirements. If I'm going to pay $200 for study.com I might as well do Hum-201 (transferred as Hum 103) along with Bio 101L because the subscription includes 2 tests AFAIK, right? I looked it up and Instantcert costs like 20 bucks a month plus $89 for the CLEP,  I've never learned Spanish so it's going to take me a couple of months to pass and pause my progress at UMPI (costs more time), so that's $129. 
So I left with 7 minor classes and 5 UL electives which I can finish in 3-4 sessions (6-8 months) at UMPI.
That's $4200 or $5600 plus $329 for the tests (1-2 months)
Total of $4529 or $5929 (7-10 months)

Meanwhile, for TESU, I'll spend 1 month plus $130 for Davar and 3 months plus $5047 to finish the capstone and graduate.
Total of $5177 (4 months)
The time I save to work more while studying and also graduate quickly to find better work is worth it, in my opinion.

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You have me confused. I thought you've already completed courses at UMPI? If you have then you don't have to complete 12 more classes at UMPI. You only have to complete a total of 10 classes to get to the 30 credit requirement. I would pause my enrollment and go take classes on Sophia or Study.com and transfer them in then finish what you have to take at UMPI. 

Spanish on InstantCert is pretty easy. There's no speaking for the exam so that is the one I would take.