Help planning BA Psych with MSW program in future

[Cinch]

Hello everyone,

I'm a 32 year old high school dropout who recently decided to go back to school to become a therapist. To that end I have completed my GED and, after a decent amount of scouring the internet and this forum in particular for information, I am currently weighing my options between UMPI and TESU for a BA in Psychology.

Which means that, of course, I have been looking into transferring credits from Sophia and Study.com. I also may have some credits to transfer from AP Exams I took during high school.

My main concern is that transferring these credits may make it more difficult for me to eventually get into a graduate program for a MSW, which is what I ultimately want. I haven't been able to find anything conclusive on whether graduate programs will readily accept credits transferred via Sophia and the like on my undergraduate transcripts.

Is this concern valid? And if so, what should I do? Perhaps it would be wiser to transfer only a certain amount of credits, or maybe just electives? Or should I not use credits from Sophia, Study.com, etc. at all and take all my courses at whichever university I choose?

Any thoughts or suggestions would be much appreciated.

Your Location: Currently living in Turkey, eventually plan on moving back to U.S.
Your Age: 32
What kind of degree do you want?: BA Psychology, either at UMPI or TESU, then MSW (have only cursorily looked at universities for this).
Current Regional Accredited Credits: None.
Current ACE, CLEP, or NCCRS Credits: None as of yet. Still in the planning stage.
Budget: Don't know if it's feasible but <$30k including both BA and MSW would be fantastic.
Timeline: Would love to finish my BA in <2 years. MSW will take 2-3 years regardless and I'm okay with that.
Commitments: Part-time WFH job, my husband and our dog.
Dedicated Time to Study: Around 20 hours a week. If I need to ramp things up I could do 25-30 hours a week some weeks.
TA/Employer Reimbursement: None. Thought about applying for FAFSA but I don't know if I'm eligible seeing as I've been outside the U.S. for 15 years.
Any certifications or military experience?: None.

Just want to also mention that this forum is absolutely amazing. I couldn't have done a quarter of the planning I have already if it wasn't for the vast amount of help and guidance that has been archived in these hallowed forum halls. Thank you all so much.