How Long Does It Take to Earn an Online Degree?

One factor when deciding to pursue a college degree is determining how long will it take to complete. Of course, online degree completion time varies depending on the level of the program, enrollment status, transfer credits, and more. Will you be enrolled full time or part time? Do you have credits you can transfer into the program? Will you need to complete an internship? What happens if you fall behind or are somehow unable to sign up for a prerequisite course?

All of these factors play into how long it will take to earn your degree online.

How Total Program Credits Influence Online Degree Completion Time

To estimate how long it will take to earn your degree, you must identify the number of total credits in your program. The number of program credits varies depending on the degree level.

The completion time also depends on whether you are enrolled in the program full time or part time. For a bachelor’s degree, full-time status equates to 12 credits per semester, while part-time enrollment is any amount less than 12 credits. Many online degree programs break semesters into two terms, meaning that when you are a full-time student, you only take one or two classes at a time instead of four or five.

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Degree Level	Number of Credits	Number of Courses	Time to Completion
Associate	60	20	2 years
Bachelor’s	120	40	4 years
Master’s	36 to 54	12 to 18	1 to 3 years
Doctorate	36 to 45	12 to 15	3 to 5 years

How Transferring Credits Can Help You Earn Your Degree Sooner

If you have earned credits in the past, you probably don’t want them to go to waste. Transferring your credits toward your online degree program can not only help you keep those hard-earned credits, it will help you earn your degree sooner and save money. Most institutions accept credits from other accredited schools. However, note that many programs require that you complete a certain amount of credits through your school (e.g. the final 30 credits for a bachelor’s program).

For a bachelor’s degree, some institutions allow you to transfer up to 90 credits toward the program. The credits you transfer into an online bachelor’s degree program will likely apply toward general education requirements. This is because those are the courses commonly offered at any institution. You can also transfer credits from an associate degree, which is equivalent to about 60 credits, or the first two years of a bachelor’s degree.

Sometimes, you may be able to transfer credits for a master’s degree. Depending on the program, six transfer credits are typically accepted for online master’s degrees.

Transferring Life Experience Credits

If you don’t have any previously earned college credits, you can sometimes transfer credits from your life experiences and knowledge gained outside of the classroom. While assessed differently by each institution, these credits can come from your employment, military service, volunteer work, civic activities, independent study, or certifications. Referred to as prior learning assessment (PLA), these credits can apply toward associate, bachelor’s, and master’s degree programs. Be sure to ask your school what kind of PLA credits they accept.

Through your employment, you can earn college credits from the practical knowledge you’ve acquired in a professional setting. However, these credits do not necessarily focus on the theoretical knowledge you would normally gain through the program. To earn these credits, your college or the American Council on Education (ACE) will evaluate training you received in the workplace. Additionally, if you have earned any certifications throughout your career, they may be recognized as college credit as many national certifications meet professional and industry standards.

BA in Business Marketing LocationMishawaka, IN Accreditation(s)HLC Religious AffiliationChristian Cost Per Credit$405.00: This online Bachelor’s in Business Marketing program provides students with the knowledge and skills necessary to communicate effectively to target audiences, develop promotional materials and implement successful marketing strategies. With a comprehensive curriculum that features core business topics and specialized marketing coursework, the online bachelor’s in marketing features an emphasis on social media and the latest industry approaches.
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BA in Business LocationSt. Paul, MN Accreditation(s)HLC Religious AffiliationChristian Cost Per Credit$420: The Bachelor of Arts in Business program at Concordia University, St. Paul allows you to develop academic credentials as well as leadership, writing, and communication skills. You will explore core business principles in marketing, finance, management, law, economics, and accounting with an emphasis on international perspectives, environmental sustainability, and ethics. You will investigate various dimensions of business decisions by delving into case studies and developing solutions to situations you may face in the business world.
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BA in Business LocationVirginia Beach, VA Accreditation(s)SACSCOC Religious AffiliationMethodist Cost Per Credit$399: Prepare for a career in the competitive, innovative world of modern business with the online Bachelor of Arts in Business from Virginia Wesleyan University. Gain the foundational skills you need to adapt, thrive, and contribute to any business environment as you explore economics, marketing, accounting, and more. The program is flexible but rigorous, pairing the hands-on learning you need to succeed in business with the ability to fit your studies into your already busy life.
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Earn Transfer Credits Through Exams

You may be able to earn transfer credits through various exam programs. These PLA programs award college credits based on your knowledge of different subject areas.

Commonly accepted for undergraduate programs, the College Level Exam Program (CLEP) consists of 33 single-subject exams and five general exams. The single-subject exams focus on material that is covered in college courses (for example, calculus or introductory business law). The general exams cover freshman-level knowledge, including college mathematics, English composition, humanities, natural sciences, and social sciences. If you pass all five general CLEP exams, you can earn up to 30 college credits.

Some college credits may be earned through Advanced Placement (AP) exams. Most colleges and universities accept credits from AP exams. Earning AP credit can help you skip introductory and general education courses, allowing you to both save money and earn your online degree sooner.

Factors that Can Increase Online Completion Time

Even if you have transferred previously earned credits, there are certain factors that may increase the time it takes to earn your degree. Some of these include required internships, clinical experience, or field work. However, if you are employed, you may be able to have those hours of professional experience count toward your program’s requirements.

If you have earned credits in the past that weren’t accepted for transfer, you might lose them. This may be because they didn’t meet conditions for transferring, such as minimum grade requirements. Or maybe the school accepts those credits, but your program doesn’t.

Taking the wrong courses can also extend how long it takes to earn your degree. Keeping in touch with your adviser ensures that you are on the right track and enrolling in the right courses. If you’ve taken a wrong course, have failed a class, or missed a course that is offered one semester each year, you can get stuck with having to tack on another semester.

Additionally, changing majors at any point throughout your program can add on to the online degree completion time. When you change your major, you change the program’s course requirements. However, some of the credits you have already earned through your original major may apply toward your new area, depending on which department each is in and how your school will apply them toward your degree.

Finally, if you are enrolled in classes part time rather than full time, it will take longer to graduate. While the estimated time to completion for a bachelor’s degree is typically four years, enrolling part-time means it could take six years to earn your degree.

Stay on Track

There are many factors that influence how long it takes to earn your degree online. Transferring credits you have earned in the past, enrolling in classes full time, and taking an accelerated program can help you earn your degree sooner. On the other hand, changing your major, enrolling part time, missing courses, and pausing to complete field work or acquire clinical experience can delay online degree completion time.

The best way for you to graduate as soon as possible is to stay on track. Keep in touch with your advisers and professors to ensure that you are enrolled in the correct courses. They are there to help you follow the right path.

AS in Business Administration LocationCampbellsville, KY Accreditation(s)SACSCOC, IACBE Religious AffiliationChristian Cost Per Credit$399: Learn the fundamental business skills necessary for a career in business administration, including finance, economics, accounting, and more with the online Associate of Science in Business Administration degree program from Campbellsville University. Topics of study include accounting principles, fundamentals of microeconomics and macroeconomics, concepts and analytical tools used in finance, marketing concepts, human resource management, management principles, and more.
BA in Business LocationSt. Paul, MN Accreditation(s)HLC Religious AffiliationChristian Cost Per Credit$420: The Bachelor of Arts in Business program at Concordia University, St. Paul allows you to develop academic credentials as well as leadership, writing, and communication skills. You will explore core business principles in marketing, finance, management, law, economics, and accounting with an emphasis on international perspectives, environmental sustainability, and ethics. You will investigate various dimensions of business decisions by delving into case studies and developing solutions to situations you may face in the business world.
BA in Business LocationBaltimore, MD Accreditation(s)MSCHE, ACBSP Religious AffiliationCatholic Cost Per Credit$420: The online Bachelor of Arts in Business from Notre Dame of Maryland University focuses on the latest business practices and theories, using case studies, consulting assignments, and a capstone course to give real-world knowledge you can apply immediately. Focus groups with leaders from major companies in different industries will teach you principles of data analysis, negotiation, teamwork, communication, and leadership.
BA in Business LocationVirginia Beach, VA Accreditation(s)SACSCOC Religious AffiliationMethodist Cost Per Credit$399: Prepare for a career in the competitive, innovative world of modern business with the online Bachelor of Arts in Business from Virginia Wesleyan University. Gain the foundational skills you need to adapt, thrive, and contribute to any business environment as you explore economics, marketing, accounting, and more. The program is flexible but rigorous, pairing the hands-on learning you need to succeed in business with the ability to fit your studies into your already busy life.
BA in Business Administration LocationAurora, IL Accreditation(s)HLC Religious Affiliation– Cost Per Credit$425.00: Aurora University’s online Bachelor of Arts in Business Administration program prepares you for advanced career opportunities by enhancing your business acumen and problem-solving skills. The program provides you with a broad overview of topics, including accounting, finance, organizational behavior, human resources, marketing, and international business and is taught by faculty members who have real-world experience.
BA in Business Administration LocationMishawaka, IN Accreditation(s)HLC Religious AffiliationChristian Cost Per Credit$405.00: The online Bachelor of Arts in Business Administration program from Bethel University readies you to succeed in the high-opportunity world of business and finance. Featuring a rigorous curriculum, the program offers training in a wide variety of areas including accounting, business law, business communication, marketing, human resources, and more. Combined with biblical principles, the online program prepares you to work in a number of positions as a competent and ethical professional.
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BS in Business Administration LocationSeward, NE Accreditation(s)HLC, IACBE Religious AffiliationLutheran Cost Per Credit$350.00: The online Bachelor of Science in Business Administration program from Concordia University, Nebraska prepares you for a rewarding career in project management, leadership, accounting, finance, and more. You will study an innovative curriculum featuring open educational resources and real-world assignments, collaborating with their peers to apply key concepts to current problems facing organizations, with the goal of finding solutions that lead to successful business outcomes.
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RN to BSN LocationBuffalo, NY Accreditation(s)MSCHE, CCNE Religious AffiliationCatholic Cost Per Credit$500: Designed for working nurses who seek to earn their bachelor’s degree, the online RN to BSN program at D’Youville College offers you a convenient and quality pathway toward elevating your career. The comprehensive curriculum teaches leadership skills within a service-oriented environment, and you will study topics such as vulnerable populations, evidence-based practice, and professional issues in nursing.
RN to BSN LocationTeaneck, NJ Accreditation(s)MSCHE, CCNE Religious Affiliation– Cost Per Credit$600: Fairleigh Dickinson University’s online RN-BSN program trains working nurses for management and leadership positions. As a student, you’ll learn how to deliver comprehensive care to individuals and families in all environments and gain the skills necessary to make you competitive in the job market. Explore topics such as health assessment, pathophysiology, nursing administration and education, and more.
RN to BSN LocationJacksonville, IL Accreditation(s)HLC Religious Affiliation– Cost Per Credit$375: Illinois College’s fully online RN to BSN program is designed to educate nurses for the needs of the future and covers a host of essential topics for advancing your education, such as bioethics, health policy, nursing research, and disease management. The accelerated program can be completed in as little as 12 months.
RN to BSN LocationBristol, TN Accreditation(s)SACSCOC, CCNE Religious AffiliationPresbyterian Cost Per Credit$330: The online Bachelor of Science in Nursing (RN to BSN) program from King University provides an educational opportunity for current registered nurses who want to further their education and advance their career by earning a bachelor’s degree. The program is designed as a transformational learning experience leading to personal and professional skill development to meet the needs of registered nurses previously prepared at the ADN or diploma level.
RN to BSN LocationCanton, OH Accreditation(s)HLC, CCNE Religious AffiliationChristian Cost Per Credit$260: Malone University’s online RN-BSN program is designed for working nurses seeking to advance their careers and finish their bachelor’s degree. As a working professional, you will grow in professional competence and Christ-like compassion as you learn from a comprehensive curriculum that combines academically rigorous classes with biblical principles.
RN to BSN LocationSouth Euclid, OH Accreditation(s)HLC Religious AffiliationCatholic Cost Per Credit$240: Build your competency as a medical professional and earn the credential you need to advance in your career with the online RN to BSN program at Notre Dame College. Designed for working nurses, the program increases your capacity to improve patient outcomes, improves your leadership skills, and readies you to become an effective change maker in your organization as you gain practical training in the field.
RN to BSN LocationBaltimore, MD Accreditation(s)MSCHE, CCNE Religious AffiliationCatholic Cost Per Credit$375: Transform your nursing career and earn an in-demand degree with the online RN to BSN degree program from Notre Dame of Maryland University. Gain the skills and knowledge needed to enhance your career opportunities in nursing while fulfilling the educational requirements of many healthcare employers. The program can be completed in as little as 15 months.
RN to BSN LocationPortsmouth, OH Accreditation(s)HLC, ACEN Religious Affiliation– Cost Per Credit$278: Led by experienced nurse educators, Shawnee State University’s RN to BSN online program features small class sizes, personalized attention, and dedication to your future success. Accredited by the Accreditation Commission for Education in Nursing (ACEN), the accelerated curriculum equips you with the quality education needed to advance your career or pursue graduate studies.
RN to BSN LocationNashua, NH Accreditation(s)NECHE, ACEN Religious AffiliationCatholic Cost Per Credit$360: Advance your nursing career and impact the lives of others with an ACEN-accredited RN to BSN online from Rivier University. Graduates of this program are prepared for leadership positions and master’s-level educational opportunities. The program’s flexible, convenient format can be designed around professional and personal schedules. Students with an active RN license will be awarded transfer credit for their experience and can finish the program faster.
RN to BSN LocationLakeland, FL Accreditation(s)SACSCOC, CCNE Religious AffiliationPentecostal – Assemblies of God Cost Per Credit$200: Southeastern University’s online RN to BSN program offers working registered nurses the opportunity to earn a Bachelor of Science in Nursing degree without interfering with their busy professional schedules. When you earn a bachelor’s degree in nursing, you expand your knowledge and gain skills that are directly applicable to your nursing career. Become a top nursing professionals who provide the best possible healthcare services and patient care.
RN to BSN LocationDavenport, IL Accreditation(s)HLC, CCNE Religious AffiliationCatholic Cost Per Credit$386: Our fully online RN-BSN program is a bachelor’s completion program designed for working nurses and prepares you for career advancement in a variety of healthcare settings. The curriculum is specifically designed for working nurses and can enable you to progress in your career, while opening doors to new opportunities. SAU’s faculty are real-world professionals with nursing specialty expertise who have mentored and prepared nurses for diverse and fulfilling healthcare careers.
RN to BSN LocationPensacola, FL Accreditation(s)SACSCOC, CCNE Religious Affiliation– Cost Per Credit$282.13: Gain more skills for career advancement in nursing and increased earning potential with the online RN to BSN from the University of West Florida. Through the program, you will demonstrate your commitment to the nursing profession as you advance your knowledge in evidence-based nursing practice, high-quality care, communication, and leadership. The CCNE-accredited program is taught by educators who are highly experienced in a variety of areas in the field, and you will gain their insight into nursing practices and the healthcare system.
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RN to BSN LocationSt. Paul, MN Accreditation(s)HLC, CCNE Religious AffiliationChristian Cost Per Credit$420: Concordia University, St. Paul’s online RN to BSN program advances the knowledge and skills of nursing professionals through an integration of learning and experience. Using a combination of theoretical inquiry and practical application, you will gain insight into ethics in healthcare, professional and evidence-based practice, interdisciplinary collaboration and communication, leadership, management, care coordination, and community health.
RN to BSN LocationReading, PA Accreditation(s)MSCHE, CCNE Religious AffiliationCatholic-Franciscan Cost Per Credit$460: With Alvernia University’s online RN to BSN program, you can earn the credentials you need to pursue broader responsibilities and career opportunities within nursing. The program teaches you advanced nursing skills as you also explore historical and contemporary issues and future trends. Because of the program’s online format, you can earn your degree while maintaining your busy schedule and learn from faculty who are experienced in a variety of clinical practice and professional leadership roles.
RN to BSN LocationMishawaka, IN Accreditation(s)HLC, ACEN Religious AffiliationChristian Cost Per Credit$405: Bethel University’s RN to BSN online program equips you with the skills, knowledge, and practical training you need to take on more challenging roles in your workplace and advance in your profession. Designed for working professionals, the program’s curriculum trains you in a host of areas required for the modern nurse, such as pharmacology, patient and family centered care, community-based nursing, global health, nursing informatics, and more.