Transferring College Credits

When you change schools, you probably don’t want to lose the credits you have already earned. Most institutions accept transfer credits, and the process of transferring is generally simple. But how does the process work? And how do transfer credits affect the overall cost and timeline of your degree?

The Basics of Transfer Credits

Transferring your college credits between schools largely depends on age, course equivalencies, grades, and accreditation.

The age of your credits is an important factor when you transfer. Your credits may be a few years old if you are going back to school after an extended break. Some schools have a shelf life for transfer credits, especially when it comes to major requirements. For example, credits that are more than 10 years old might not be accepted. If your college credits are considered too old, you risk losing them and might have to retake those courses.

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The Importance of Accreditation

It is important that you earned your credits at an accredited institution. Most schools will not accept credits from unaccredited colleges. When a college or university is accredited, their programs have been evaluated to ensure they meet quality standards.

It is common for most schools to accept credits from other regionally accredited institutions, and some accept credits from schools that are nationally accredited or are accredited by other agencies.

Accrediting Commission for Community and Junior Colleges (ACCJC)
Higher Learning Commission (HLC)
Middle States Commission on Higher Education (MSCHE)
New England Commission of Higher Education (NECHE)
Northwest Commission on Colleges and Universities (NWCCU)
Southern Association of Colleges and Schools Commission on Colleges (SACSCOC)
Western Association of Schools and Colleges (WASC)

How Credit Transfer Works

When transferring college credits, you should request that your previous schools send official copies of your transcripts to your new college. Transcripts list the courses you were enrolled in, the grades you earned, and how many credits each of the classes were worth. When your new institution receives your transcripts, its registrar evaluates the credits and determines how they will apply toward your online degree program. They will identify if the credits satisfy any program requirements or general education courses.

However, acceptance of credits is not always guaranteed. Some of the credits you have already earned may not apply to your program at all or may not be considered college-level coursework. They could also fail to meet the minimum grade requirement for the school or program. Generally, colleges accept credits that are a C- or higher (a 1.7 on a 4.0 GPA scale). If your credits aren’t accepted, it will likely take longer to earn your degree.

To find out if your college credits will transfer, many schools offer a transfer credit equivalency tool that allows you to input your previously earned credits, select your major, and see how they will apply toward your online degree program.

Generally, up to about 90 transfer credits are allowed for a bachelor’s degree program. These credits will likely apply toward the program’s general education requirements, which are the most common courses offered. However, many colleges and universities require that you complete the last 30+ credits of your program at their school in order to earn your degree. If you are pursuing an online master’s degree program, you may be able to transfer up to 10 credits.

Transferring from a Two-Year School to a Four-Year School

As community colleges are typically much less expensive than four-year universities, it is common for students to transfer their credits from an associate degree to their bachelor’s program. Generally, an associate degree is equivalent to about 60 credits, or the first two years of a bachelor’s degree program. This means that after transferring, you probably won’t have to take lower-level classes and can go straight into your major’s courses.

When you’re transferring credits from a two-year school, you might want to see if your community college has a partner agreement with the four-year university you’ll be attending. If so, your credits may be guaranteed, making a smoother transition between both schools.

Additionally, check to see if a transfer scholarship is available. While there are some private scholarships available, some four-year schools offer institutional scholarships if you transfer in your associate degree from a partner community college. Of course, you will probably have to meet certain criteria in order to receive the transfer scholarship, such as minimum cumulative GPA, demonstrated financial need, minimum number of transfer credits, and enrollment status.

Transferring Credits from Life Experiences

In some cases, you might not have credits from a college degree program, but you may be able to transfer credits based on your knowledge earned outside of the classroom. Through prior learning assessment (PLA), you can gain college credits from your work experiences, certifications, U.S. military service, volunteer and civic activities, or by creating a portfolio. A PLA evaluates your skills and knowledge against a set of standards, learning outcomes, or competencies. Keep in mind, however, that PLA credits are assessed differently by each school, but they typically can be applied to either undergraduate or graduate programs.

Earn Credits Through Exams

Another way to earn credits is through various exam programs, which award credits based on your knowledge of different college-level subject areas. The most common program is the College Level Exam Program (CLEP).

Composition and literature
World languages
History and social sciences
Science and mathematics
Business

The CLEP’s five general exams focus on freshmen-level knowledge, including college mathematics, English composition, humanities, natural sciences, and social sciences. When you pass all five of the general exams, you can earn up to 30 college credits.

Accepted by most college institutions, Advanced Placement (AP) exams can help you skip introductory and general education courses. There are 38 AP exams offered, and each exam costs $94 and takes two to three hours.

U.S. government and politics
U.S. history
English composition
Chemistry
Calculus
Biology
Statistics
World history
Computer science
Psychology
Physics
Music theory
Latin
Environmental science
Macroeconomics
Microeconomics

Finally, you can earn credits through Dantes Subject Standardized Test (DSST). For $85 per exam plus any administration fees assessed by the testing location (a price much less expensive than the cost of a semester-long college course), each DSST exam takes less than 90 minutes and is worth three credits. These PLA exams cover material that is taught in baccalaureate courses. There are more than 30 exams available in different subject areas, such as business, humanities, mathematics, physical science, social sciences, and technology.

Is Transferring College Credits Worth It?

Your college credits and experience are valuable. If you have already completed coursework or have life experience, you should see if those credits can apply toward your online degree program. Transferring college credits can help you save money and earn your degree and reach your goals sooner.

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.
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B.S. in Business Administration LocationPittsburgh, PA Accreditation(s)MSCHE, IACBE Religious Affiliation– Cost Per Credit$499: The online Bachelor of Science in Business Administration program from Point Park University delivers the essential business skills you need for success in a variety of careers. Transfer your previously earned credits to this program and receive personalized attention from expert educators through the university’s interactive online classroom. When you graduate, you’ll be proficient in e-commerce, business law, the principles of management and more.
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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.
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BS in Business Administration: Management
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BS in General Business LocationCampbellsville, KY Accreditation(s)SACSCOC, IACBE Religious AffiliationChristian Cost Per Credit$399.00: The online Bachelor of Science in General Business degree program from Campbellsville University provides students insight on various aspects of business, preparing them for more opportunities in the corporate environment. The degree is perfect for students who wish to further their careers in the business industry in areas such as human resources, finance, retail, banking, accounting and more. This online program gives you a broad-based business background that is grounded in Christian values.
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BS in Human Services LocationCambridge, MA Accreditation(s)NECHE, NEASC Religious Affiliation– Cost Per Credit$455: Make a difference in your community with the online Bachelor of Science in Human Services program from Lesley University. Develop the skills and knowledge to shape social policies and provide for your clients’ needs in settings, such as: community advocacy, healthcare, criminal justice, crisis intervention, and much more. You’ll gain a strong foundation in the liberal arts, human growth and lifespan development, and human services delivery systems.
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 LocationBoston, MA Accreditation(s)NECHE, CCNE Religious AffiliationCatholic Cost Per Credit$350: Designed for current registered nurses seeking to further their education and advance their careers, Emmanuel College’s online RN to BSN program offers the flexibility to balance your studies with the demanding schedule of a professional nurse. The program’s accelerated format and option to transfer up to 96 credits allow you to earn your degree in 16 months.
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 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.
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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 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.
RN to BSN LocationAda, OK Accreditation(s)HLC, ACEN Religious Affiliation– Cost Per Credit$264.25 In-State, $541.19 Out-of-State: Designed specifically for those who currently hold their RN license, the RN to BSN online program enables nurses to provide safe, quality, patient-centered care in an environment of teamwork and collaboration. You’ll learn evidence-based practice, informatics, successful communication and other skills that will improve your effectiveness as a healthcare professional.
RN to BSN LocationSt. Paul, MN Accreditation(s)HLC, CCNE Religious AffiliationLutheran 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, CCNE* The RN to BSN Completion Program at Alvernia University is accredited by the Commission on Collegiate Nursing Education (http://www.ccneaccreditation.org). Religious AffiliationFranciscan Roman Catholic Cost Per Credit$480: 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.
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RN to MSN LocationPensacola, FL Accreditation(s)SACSCOC, CCNE Religious Affiliation– Cost Per Credit282.13 and 425: The University of West Florida’s accelerated RN to MSN online program is designed for registered nurses who are ready to continue their education with advanced credentials. It allows you to earn a Bachelor of Science in Nursing degree on your way to completing your master’s, saving time and money. By completing the BSN program, you will earn 12 credit hours at the undergraduate rate which will be applied toward your Master of Science in Nursing