You can try Amberton. The Professional Development is quite flexible and learner designed. Classes are cheap as dirt, and they do allow some transfer units in. Amberton University - Graduate Degrees
Thanks for the link. I've looked at this program before, and I don't see where they offer any religion or writing courses.
There should be a master's program like Excelsior's bachelor's program -- one that would allow you to accumulate credits in whatever areas you're interested in and confer the master's after you have acquired the necessary number of credit hours. I wonder why no one has thought of this.
There are only 3 schools at the undergraduate level that allow have no residency requirement besides one or two courses: Excelsior, Thomas Edison State College, and Charter Oak State College. Excelsior does not let you acquire credits in any area in which you're interested. There are still rules you have to follow Many schools offer liberal studies, multidisciplinary studies, general studies, and interdisciplinary studies degrees; but, they all have residency requirements. Most will require that at least 25% of the degree be taken in residence. Since most masters programs are about 36 credit hours, they usually only allow 6-9 transfer credits. Excelsior and APUS will allow 15 transfer credits. I think Amberton also allows a lot of transfer credits. Many schools offer masters degrees that are interdisciplinary, but they cannot possibly offer all of the courses students might want to take. That's when you utilize the transfer credit option.
I remembered two schools that might offer what I'm looking for, or most of it: Regis, and Illinois-Springfield. I couldn't find how many transfer credit hours Regis will accept, on their website, but UIS will accept 12. The UIS degree is 42 credit hours, with a 6-hour core; the other 36 can be individually designed. This would allow me to transfer my 12 hours in writing, take 6 more writing hours, and then 18 hours in philosophy and religion. UIS is also less expensive than Regis. I don't know if I'll do this. I might stick with the MFA in writing. But I like to have choices. Work and life are overwhelming right now; I might need an individually-designed program to give more flexibility.
I should mention that I got my undergrad degree from Excelsior -- Regents back then -- and I had taken over 50 hours of social science, including history, psychology, geography, 18 hours of sociology and social work. I also took 15 hours of philosophy and 21 hours of English. I got certified to teach in social studies and English, and later I added special education by 18 hours of coursework.