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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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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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: Management
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Online Bachelor of Science/Bachelor of Applied Science in Accounting LocationFayetteville, NC Accreditation(s)SACSCOC, ACBSP, AACN, DPI, AACSB Religious AffiliationMethodist Cost Per Credit$400: Methodist University offers a Bachelor of Science that produces graduates with financial and economic expertise in business growth and earning while the 62-Credit Bachelor of Applied Science in Accounting is an alternative to advancing your associate degree. Both fully-online, graduates are eligible for Certified Public Accountant (CPA) exams in several states including North Carolina.
Online Bachelor of Social Work LocationFayetteville, NC Accreditation(s)SACSCOC, ACBSP, AACN, DPI, CSWE Religious AffiliationMethodist Cost Per Credit$400: MU’s online Bachelor of Social Work degree delivers a multi-faceted that leaves graduates prepared academically, emotionally, and with needed accreditation for a meaningful career of impact and advocacy. Dedicated, experienced faculty deliver a highly specialized program designed to generate critical thinking, practical solutions, and outcomes of socio-economic justice resulting from advanced decision-making capabilities in the field. In addition to an interdisciplinary curricular approach covering courses in biology, psychology, and sociology, this Council on Social Work Education (CSWE) accredited and NC-CWEC recognized program provides active internship opportunities qualifying participating students for Child Welfare placements upon graduation.
Online RN-BSN LocationFayetteville, NC Accreditation(s)SACSCOC, ACBSP, AACN, DPI, CCNE Religious AffiliationMethodist Cost Per Credit$400 per credit: The ideal professional nursing advancement is an RN to BSN program as offered by Methodist University. Allowing a collaborative decision making process for clinical placement, faculty and staff align with students to secure needed positions, supported by a curriculum designed by working professionals. Exploring evidence-based bedside care, research writing, health policy, pathophysiology, and nursing leadership, this CCNE-accredited degree is built on 31 semester-hour courses that can be completed in as few as 12 months.
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 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 Location– Accreditation(s), CCNE Religious Affiliation– 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.
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RN to BSN Location– Accreditation(s), 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.
RN to MSN LocationTeaneck, NJ Accreditation(s)MSCHE, CCNE Religious AffiliationPrivate Cost Per Credit$725: Fairleigh Dickinson University’s online RN-MSN saves you time and money in earning the credentials you need to be recognized as a nurse leader and qualify for management roles. This program is designed to give registered nurses the opportunity to complete requirements for a Bachelor of Science in Nursing (BSN) degree on their way to earning their Master of Science in Nursing (MSN). Because we accept 90 associate degree credits, you can fast-track your online RN to MSN and make the most of your previous nursing education. Choose the track that matches your career goals — become a nurse educator, or a family nurse practitioner.
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