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Finishing a degree online after starting somewhere else is one of the most cost-effective paths in education, and the problem is that the transfer-credit rules are a maze that can quietly eat the savings. Understanding how credits transfer, and choosing a school that accepts them generously, is the difference between finishing in a year and repeating courses you already passed.The key number is the maximum transfer allowance, because some schools cap transfers at sixty credits, while others accept ninety or more toward a bachelor’s, and the difference is a full year or more of tuition. The second factor is course-by-course equivalency, since a credit may transfer as general education or as nothing, depending on how closely the school matches your old syllabus to its own requirements, and a pre-admission transcript evaluation is the way to find out before you commit.The programs that win for completion are the ones
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