40 and need a degree ... where to begin?

[barcotta]

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The big 3 don't have articulation agreements (or at least I don't think they do- you might find some in their local towns) but they evaluate all credit independently when it is submitted.

Yep--you can find an articulation agreement between Excelsior College and Hudson Valley Community College in NY--affectionately known as "Harvard on the Hudson" by the locals--and one of my many stops along the way to achieving my degree.