How can home university studies be converted to credits at an institutional college or university of my choice?
As evidence of the monopolistic aspects of institutional higher education, you can simply demonstrate that you already know a subject and then buy credits which can be used at the university of your choice. (Notice that no value is added to your education, only funds transfer to the educational institution.) Any previously learned knowledge and or experience can be converted to degrees by purchasing credits via: CLEP, DSST/DANTES, online programs, Excelsior College, Thomas Edison State College and others.