Most cost effective way to use Study.com?

[FungiTao]

Almost finished my Sophia credits and now moving to Study.com next month.

I remember seeing a strategy on utilizing Study.com where you pay for the basic membership without the proctored exam, and once finished, you switch to the college-credit membership and take the exam. Supposedly you get refunded for the remaining part of the basic membership that you didn't use? Does anyone have any experience with this? 

If the above is correct, would it be advisable to first do all the quizzes and obtain the knowledge, and then take the proctored exams when you're ready? (I'm aware of the 2 free proctored exams rule)

Thanks!