I tried reading everything excelsior recommended for over a year and was just frustrated and getting no where so finally looked into ten, chancellors, and rueEd. I chose to go with rueEd and have not regretted it. They financed my testing fees too sp yeah I pay them $125 a month for a long time but I have their study guides great, have passed everything so far and when I want to take an exam just request fee from them and they send me a check. It takes a good three weeks to get exam fee but with carefu planning is ok. For me this was an affordable option.