As a student studying a non-math but math-adjacent major who was similarly accelerated to your student, I very much enjoyed taking higher-level math courses at the local community college (and university once CC ran out). The in-person experience (remote during COVID, but still) was priceless to me, as I learned much more than just mathematics. If I were choosing between those options with what I know now, I would easily choose taking the real university course unless transportation is a significant barrier.
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