Upon reflection, assuming finances are similar I would let your S pick the school he likes best and feels most comfortable at instead of being overly concerned about credit for AP classes. The most important thing is for him to be happy and in an environment he loves. College is a time of personal growth as well as a time of study. In addition, many students change their idea of what to major in while at college. If the APs done’ work out he could either take a couple of summer courses to complete a double major of do a major in finance and a minor in math – once he is settled at a school he will have an adviser who can help map out his best course of action. Analyzing a situation is great, but don’t discount gut feel as part of the decision process (I say this regardless of which school he is leaning towards).