I agree with you, you're knocking out the electives but are still going to a B&M school to get the meat. I was more referring to testing out of an entire degree like I, and many others are.
From what I've read on many posts here, we're nearly all in the same boat...Married, "older"
, kids, full time job, a lot of military (distance learning a neccesity due to deployments) ect...
That sounds like quite a load you have to work on, good luck in reaching your goals.