Site icon Homeschooling for College Credit

Transfer Credit for the Win

Understanding how to fully take advantage of transfer credit makes a bigger impact on what your teen pays for college than ANY OTHER FACTOR. It’s more important than your 529, it’s more important than their SAT, and it’s certainly more important than scholarships! By resourcefully planning your teen’s high school credits, parents can learn to make a college’s transfer policy work in their favor.

Start the process by filling in the blank:

“My teen’s target college accepts (___) number of transfer credits.”

Through resourceful high school planning, transfer credits are earned deliberately and with intention. Until you know how many transfer credits your teen can earn, you won’t know where to begin. So, start at the top. How many credits can you transfer in for their degree?

Many students and parents don’t realize that their college’s policy allows them to save money – big money, but the catch is that you have to do it in advance.  Earning college credit in high school is the #1 way resourceful parents can lower the cost of their teen’s overall college costs.  Resourceful high school planning and common sense college planning work together to keep the costs LOW and bring the goal post closer!

Transfer credit is earned then sent to your target college, you don’t have to complete a degree there!


Your teen’s target college charges $450 per credit.  Since the Bachelor’s degree contains 120 credits, your teen’s tuition cost is calculated like this:

$450 x 120 = $54,000

To understand costs, know that an average college course is 3 college credits, so at this school, one class is $450 x 3 = $1,350!! Keep in mind that this isn’t the total cost of college attendance– this is just the tuition for a class. There are other costs, but this is one you can control by using transfer credit in your plan.

Free Dual Enrollment

If dual enrollment is free in your state, every course your teen completes in high school reduces their degree cost dollar for dollar!  It’s BETTER than a scholarship because you know ahead of time that your teen’s tuition is discounted.

The average Homeschooling for College Credit family completes at least 30 college credits through dual enrollment.  If this benefit is realized early enough, the student in our example is earning $450 x 30 = $13,500 SAVED! Motivated students can (and do) make the most of their college’s transfer policy using cheaper credit than what they would otherwise pay.

Self-Pay Dual Enrollment

If you don’t have access to free dual enrollment, you should compare prices through your local community college and other online dual enrollment programs open to your family. 

I keep a good list, but here are a couple of examples:

Arizona State University Universal Learner program charges $425 per 3-credit college course. Their regular online tuition for the same course costs about $1,800.

For religious-based education, Liberty University only charges $550 per 3-credit dual enrollment. Their regular online tuition for the same course costs about $1,500.

Community colleges, on average, only cost about $350 per 3-credit course, so even when community college tuition isn’t free, it’s still usually less than what you’ll pay at a 4-year universities.

Credit by Exam

Credit by exam allows your teen to bring in college credit earned independently at home.  Popular credit by exam brands includes Advanced Placement, CLEP, DSST, and others.  Exams tend to cost about $100, but the reward for credit earned can really add up!   While some exams match up perfectly with a 3-credit college course, others are worth as many as 6-9 college credits!

Currently, anyone can take an unlimited number of CLEP exams for FREE when they earn a voucher with Modern States.  Modern States provides a free CLEP prep course, and when complete, they will give you a coupon voucher that covers the cost of your CLEP exam. No strings- it really is free!  Read More

Keep Planning

Knowing what is possible is only the first step. From there, you’ve got work to do!

You can’t just bring in “any” credit, you’ll have to resourcefully plan to bring in the right credits that match up with the college’s requirements and your teen’s degree plan. Is it worth all the hard work? We think so! You can read how other families like you are making the cost of college manageable without debt. Success stories

No matter how your teen earns college credit before college, doing so will yield big rewards.

Common Sense College Planning:

Is Liberty University one of your teen’s target colleges? We are happy to help!

09/15/2021Liberty University: Resourceful Homeschooling for an Affordable Bachelor’s Degree! You’ll learn how to make the most of your Christian homeschool program by resourcefully planning your teen’s degree from prestigious Liberty University. During this 2+ hour live stream intensive workshop, Jennifer Cook-DeRosa and Shelley Cloutier will walk you step by step through a degree completion strategy that you can begin anytime in high school. You’ll learn which courses your teen should take, when to take them, and how you can save the most money. By following this Homeschooling for College Credit approach, you will learn how to plan your teen’s degree at Liberty University for less than half of their advertised cost. Each participant will receive a handout and a recording of the session. $40 space is limited. 3pm EST-5pm ESTRegister Now
Exit mobile version