Please help me decide on an academic path

[origamishuttle]

3) Complete 30 Saylor.org courses for 90 credits at $5 each, total is just $150 for 90 credits

This is a resourceful plan, although it's important to note that Saylor is a very large tradeoff between money and time, and a risky one at that. The content takes much longer to consume and prepare for the final, and 30 finals is 30+ chances to fail, effectively doubling, at least, your cost if you have to re-take the exam a second or third time. Although it wouldn't be exactly 30, given IC Spanish/Gov and CSMLearn, it would only be 27, I think?

In contrast, Sophia has at least 16 3-credit courses with either zero, or minimal, touchstones, all of which can be completed in a month. I know because I completed 18 in two months while working 50+ hours at a full time job, completing the Google IT certificate, and passing 4 IT certifications. If you can complete 20 3-credit courses in one month with Sophia, and then complete the 7 easiest Saylor courses, that would only be $115, and it would be much, much faster. If you can pre-game your Sophia courses, that will help also. However, most people don't, and many have gone very quickly to fit it all into a single month.