Looking for something similar to the FEMA programs that indirectly give college cred

[Griffin]

I agree with BrandeX. For Excelsior, as far as I know, you can test out of almost all of the credits and none are required to be through them (depending on your degree choice).

TESC is the same way, they don't require any credits be taken with them. However, with all 3 of the "big 3" you may have a class that can't be tested out of (lack of available test). In that case, you can take it with that college or elsewhere. If it's something you know already, you can challenge the course (usually).