I am an older (52) possible student who has been to about five colleges/universities in my lifetime, not in pursuit of a particular degree, but taking classes at times that interested me. I have about 90 credit hours in total and I believe that many will count towards a bachelor's, however, none of my classes were 3rd or 4th year classes, they all have the prefix 100-something or 200-something. Is it possible for my credited classes to be counted towards the bachelor's degree after say about 60-70 credit hours which I am told is the required amount for an associate's degree?

There's a good chance that some of your credits will transfer, provided that they are from accredited colleges and universities. In fact, the 60-hour threshold you mention probably will not apply--in other words, all your credits are eligible for transfer. An associate's degree is not a prerequisite for a bachelor's. In a sense, the degrees overlap: associate-level coursework roughly represents half of a bachelor's. In fact, many students transfer from a community-college associate's program to a university bachelor's program in their third year. Depending on the particular mix of classes you've taken, you may be able to jump directly into the third year of a bachelor's program.

Of course the caveat to all this is that there's no standard policy for transferring credits. Each school determines credit transfer at its own discretion. It's up to you to find the school that accepts the most credits. A hint: for-profit schools have a financial incentive not to accept credits; you might have better luck at a public university. Once you have a list of prospective schools, contact their admissions departments and compare results. If you include online programs in the mix, you can cast your net that much wider. With any luck, you'll come up with a school that accepts all 90 of your credit hours--although 60 is a more realistic goal.