Posted in HS4CC

Charter Oak State College

Homeschooling for College Credit at Charter Oak State College (CT)


Rack Rate Tuition:  $48,960  ($408 per credit x 120 credits)

Resourcefully Planned: $4,446 (114 credits in homeschool, 6 cr. rack rate)

amount saved $44,514

Degree:  Bachelor of Arts or Bachelor of Science (Liberal Arts / General Studies)

What is a resourcefully planned degree?  In short, a cost map shows you how Homeschooling for College Credit in high school can be transferred into a specific college to save money.  We’ll use alternative college credit sources that are accepted by this college to devise a strategic plan for your student.  The cost map is a general outline that gets you headed in the right direction.

What a Resourcefully Planned Cost Map is NOT:  It’s not a guarantee.  This is an informed DIY plan using the college’s advertised transfer and credit acceptance policies.

Why DIY?  As the parent of a high school student, you won’t have access to academic advisors or the registrar of a college, in addition, colleges don’t specialize in helping you avoid taking their classes!  But, college transfer protocol and transfer policies are often available to the public, allowing teens to start earning college credit NOW that can be used LATER.

Where is Dual Enrollment?  Since some families have free tuition through dual enrollment, while other families may not, dual enrollment has been completely left out of the plan. If you have dual enrollment available to you, you may want to use it.

Other costs:  Colleges will have other costs beyond the scope of our basic tuition calculation.  Application fee, graduation fee, technology fee, etc. are all fees that you should plan for when your teen eventually enrolls.  To keep the playing field even, the rack rate listed above doesn’t include fees either – the numbers shown are straight tuition.

Rack Rate Tuition:  $48,960  ($408 per credit x 120 credits)

Resourcefully Planned:  $4,446 (114 credits in homeschool, 6 credits rack rate)

$1,998 is paid throughout high school to accumulate the first 114 credits.   $2,448 is paid to Charter Oak once you are an enrolled student to cover the last 6 credits.

How to avoid student loan debt

  1. Reduce the number of credits your teen must complete by doing as many of them as possible in high school.  You’ll pay cash for these as you go.
  2. Apply for Federal work-study, grants, and use savings/cash to cover the balance of tuition once they’re an enrolled student.
  3. For every $100 of tuition you have outstanding, apply for 1 scholarship.  (example: $2,000 tuition = apply for 20 scholarships)

Cost Map for Charter Oak State College (11/2018)

Charter Oak’s Degree Requirement Homeschooling for College Credit Approximate Cost if taken during homeschool


Cost if taken through Charter Oak State College


Written Communication CLEP or AP College Composition (6 credits) $0* $2,448
Oral Communication DSST Principles of Public Speaking (3 credits) $100 $1,224
Information Literacy *met by the Cornerstone X X
Ethics DSST Computer Ethics (3 credits) $100 $1,224
US History CLEP US History 1 (3 credits) $0* $1,224
Non-US History OnlineDegreeCom History Turning Points (3 credits)


CLEP Western Civ 1

$9 $1,224
Global Understanding Straighterline Anthropology (3 credits) $100 $1,224
Literature & Fine Arts CLEP American Literature (3 credits) or CLEP Analyzing and Interpreting Literature (3 credits) $0* $1,224
Social Behavioral Sci. CLEP Sociology (3 credits) $0* $1,224
Mathematics CLEP College Algebra  (3 credits) $0* $1,224
Natural Science OnlineDegreeCom Enviro. Science (3 credits) or CLEP Biology (6 credits) $9 $1,224
Natural Science w/Lab Straighterline Biology with Lab (4 credits) or local community college. $100 $1,632
Elective TEEX Cybersecurity (6 credits) or any other CLEPs not used. $0 $2,448
Elective Sophia (2 credits) $0 $816
Elective CLEP, AP, DSST, Sophia, or any other ACE provider.

(0-30 credits)

$0 $0 – $12,240
Upper-Level Credit Studycom (18 credits) $600 $7,344
COSC Cornerstone NA in high school (3 credits) $1,224 $1,224
COSC Capstone NA in high school (3 credits) $1,224 $1,224
Area of Study/Electives Studycom, Straighterline, Saylor Academy, Sophia, Onlinedegreecom, CLEP, AP, or DSST. (0-30 credits) $1,000 $0 – $12,240
$4,446 $48,960

*Modern States is currently awarding vouchers to cover CLEP exam fees as well as testing center fees.  You can obtain a free voucher through their website. 

Need help from scratch?   Start here –> Homeschooling for College Credit

Want to know more about the types of college credit used in this chart? –>  Take me there.


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Executive Director of Homeschooling for College Credit