Math in HS beyond Calc BC [for prospective physics major]

If the college math is in-person I think that has value. My kids (homeschooled) did some well-regarded online programs (but not as well regarded as the ones you are considering) and some at the local not-that-impressive community college. The CC was a much better experience and they learned the math much better.

As far as learning the material and possibly repeating it later, I took all the Calcs plus Differential Equations and Linear Algebra at my magnet STEM high school. My college (MIT) would only give credit for the first semester of Calc, so I had to repeat all the other classes, but I think that was good for me. I learned it well the first time, but I was able to really go to deeper level of understanding and application the second time I took it.

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