What Credits Transfer (and Why)

Understand the rules behind transfer decisions

When credits don’t transfer, it can feel arbitrary, but most decisions follow consistent rules. This guide explains how colleges evaluate credits, what factors matter most, and how to improve your chances of keeping progress toward your degree.

Why transfer rules exist

Colleges aren’t trying to block transfer students. They’re responsible for ensuring:

  • Academic quality
  • Degree integrity
  • Consistent learning outcomes

Transfer decisions are based on how closely your coursework aligns with their degree requirements.

The four factors colleges use to evaluate credits

Most transfer decisions come down to four core criteria:

1. Course level

Colleges look at whether a course is:

  • College-level (typically 100-level or higher)
  • Remedial or developmental (often non-transferable)

Lower-level or non-credit courses usually do not transfer toward a degree.

2. Grades earned

Grades matter. Common policies include:

  • Minimum grade requirements (often C or better)
  • Higher standards for major-specific courses
  • No transfer for pass/fail courses in some cases

Even transferable courses may be excluded if grades fall below the threshold.

3. Accreditation of the sending school

Accreditation is one of the most important factors.

Credits are more likely to transfer if:

  • The sending institution is regionally accredited
  • Accreditation is recognized by the receiving school

Credits from unaccredited institutions often do not transfer.

4. Relevance to your major

Transferability isn’t just about if credits transfer. It’s about how they apply.

Courses may:

  • Apply directly to major requirements
  • Count toward general education
  • Transfer as electives only

Credits that don’t align with your major may slow progress toward graduation.

Why some credits transfer as electives

Elective credit still counts, but it may not move you closer to your degree.

This usually happens when:

  • Course content doesn’t closely match requirements
  • The course is outside your field of study
  • Degree structures differ between schools

Too many electives can increase time and cost.

Common reasons credits don’t transfer

Credits are often denied because:

  • The course is remedial or non-credit
  • The grade is too low
  • The institution isn’t accredited
  • The course doesn’t align with degree outcomes

Knowing this ahead of time helps you plan smarter.

How to improve your chances of credit transfer

You can increase transfer success by:

  • Choosing accredited institutions
  • Following articulation agreements
  • Verifying transferability before enrolling
  • Keeping syllabi and course descriptions
  • Confirming how credits apply to your intended major

Planning early protects progress later.

What to ask before enrolling in a course

Before taking a course, ask:

“Will this course transfer, and how will it apply to my intended degree?”

If possible, get the answer:

  • From the receiving school
  • In writing
  • With course numbers and titles documented

Clarity upfront prevents surprises later.

How Tuition Covered helps transfer students

Tuition Covered helps you:

  • Identify transfer-friendly colleges
  • Understand credit policies across schools
  • Compare flexibility and outcomes
  • Plan credit-efficient pathways

Explore transfer-friendly colleges

Explore transfer pathways

Not sure where to start?

If you’re early in the process:

  • Start with your target bachelor’s degree
  • Identify likely transfer schools
  • Verify credit rules before enrolling

Transfer success is built — not guessed.

Frequently asked questions

Do all college credits transfer?

No. Transfer depends on course level, grade, accreditation, and relevance.

Does accreditation really matter?

Yes. It’s one of the most common reasons credits are accepted or denied.

Can I appeal a transfer decision?

Sometimes. Appeals may require syllabi or additional documentation.

Do online courses transfer?

They can — if the institution is accredited and the course meets requirements.