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Doctoral Programs That Accept Transfer Credit: What to Know

Students entering a doctoral program most often bring with them years of formal education experience. Occasionally, that experience equates to transfer credits that can reduce the number of classes students need to take to earn a doctoral degree. 

A doctorate typically takes four to six years to complete. However, this timing depends on the program design, subject area of study, the institution offering the program, and whether or not transfer credits are accepted. Transfer credits can shave off significant time and financial investment in a doctorate program, but some students aren’t aware of this viable option.

Reasons vary, but most often it’s because students aren’t aware that they are able to transfer credit or universities don’t work with students to make sure they get credit where credit is due. That’s why it’s important for students to not only choose a program that will help them reach their educational goals but will also help them earn their degree quicker and potentially spend less money. 

Why Doctoral Program Transfer Credits Matter  

Doctorates are prestigious for a reason: they’re rare and challenging to earn. In the United States, only 2% of the population has a doctorate, and according to a study by The Council of Graduate Schools on Ph.D. completion and attrition, the completion rate 10 years after students begin their doctoral program remains low at 56.6%. But transfer credit can help more doctorate students turn their dreams into realities. 

Sara Burris, Associate Director of Graduate and Doctoral Admissions at Franklin University, says the value of transfer credits cannot be overstated. “Students need to make sure they get a good return on investment in terms of time and money. The more transfer credits they can bring in results in a shorter amount of time they’ll be a student and less money they will have to pay.” 

Students earning bachelor’s and even master’s degrees often supplement expenses with scholarships and grants. However, those opportunities rarely exist for doctoral students, creating an even greater need to find different ways to reduce costs. Transfer credits are a viable option. 

So let’s look at the credits that might transfer into a doctoral program and the factors universities consider when deciding if credits are transferable.

Types of Credits That Can Transfer

Every program has its own standard for accepting transfer credits, and doctoral program rules can be particularly stringent, but with good reason. Courses are designed to reflect the necessary intellectual requirements to achieve the highest level of education. 

But with all rules, there are exceptions. Here are some frequently accepted transfer credits: 

Previous Doctoral Credit If you pursued a doctorate but didn’t complete the program, your credits may be eligible to transfer to another institution.   Master’s-Level Credits Assuming a student earned more than 32 credits, they can sometimes use previously earned master’s-level credits to satisfy elective requirements for a doctorate. 

Special Licenses and Certifications Some licenses, including superintendent licenses, can fulfill up to 15 of the required credits for an Ed.D. degree. 

Without a doubt, transfer credits are worth exploring and should play an important role in deciding where to earn a doctorate. But not all programs apply credits the same way, so it’s important to ask questions.

“A lot of programs won’t allow for any transfer credit, and only a few programs provide resources to help students identify earned credits and work experiences that apply,” said Burris. “Franklin University now allows master’s-level credits to come in as electives, and sometimes we approve course-for-course transfer. So we’re very generous on the transfer credit front.”

Accelerate your completion time and lower your total tuition cost at every academic level. Download this free guide for tips on maximizing your transfer credit.

Factors schools consider for transfer credit.

Students seeking transfer credits for a doctoral program will need to provide ample proof that what they learned in a previous program is almost equal to course requirements in a doctoral program. While that may sound daunting, it helps to preserve the integrity of a doctorate— benefiting students and universities alike. 

Franklin University is a transfer-friendly institution, helping students earn their degrees (even doctorates) faster and save money. Nearly half of Franklin doctoral students take advantage of the school’s generous transfer credit policy. Franklin’s transfer-friendly process makes it seamless for students to get credit for what they already know. Some students discover they can transfer up to 33 previously earned credit hours to their doctorate.

“Prepare to provide documentation such as a syllabus and all official transcripts,” said Burris. “We review all materials to award what is fair and comparable to what they have taken. We want to offer as much transfer credit as we can. Just because you have taken doctoral-level courses doesn’t mean it’s an automatic transfer into our program.” 

What to Look For In a Doctoral Program When Transferring

Choosing to earn your doctorate is a big commitment in many ways: personally, professionally and financially. It’s appealing to students — many of whom are working professionals — to seek programs that fast-track success. But there is a right way and a wrong way to achieve that goal. Fast-tracking is only beneficial when it doesn’t take away from the educational experience. 

That’s why transferring credits is so appealing. It allows students to get ahead without sacrificing education quality. But first, students need to find a program that can place them on the right path from the start. When exploring doctorate programs, don’t forget to inquire about features and benefits offered by the university that prevent common pitfalls that impact student success.

Examples of Valuable Support

At this education level, programs should offer ample support that goes beyond the classroom to help students achieve their goals.

• Coaching: 1:1 support provides the best ongoing guidance, particularly when you’re assigned a faculty advisor.  
• Community: From your academic advisor and faculty advisor to a network of peers.
• Resources: To be a successful student, support is vital. Ensure the program provides access to research assistants, editors, advisors and technology tools.
• Dissertation Assistance: Coursework should assist with the dissertation process, making it less daunting and time-consuming.

“When people don’t feel confident that they’re on the right track, they drop out without finishing their degree. Franklin has created support programs because we want everyone to be successful and for our students to evolve and be impactful leaders,” said Burris. “Also, the people teaching at Franklin not only have their doctorates, but also have professional experience and valuable networks. It’s really a unique program with a lot of support and people wanting you to succeed.”

Choosing the Right Doctoral Program is Critical

Not all doctoral programs accept transfer credits, so choosing the right program is critical to getting the best head start. Franklin University’s start-to-finish program lets you earn your highest professional credentials sometimes in just three years—including your dissertation. 

“I can’t tell you how many heartbreaking stories I hear from transfer students who complete their coursework, invest lots of time and money, and weren’t prepared for the comprehensive exam and dissertation.“ said Burris. “We provide a faculty advisor from the first day a student is in classes who takes the student from beginning to end to ensure they’re on track for their dissertation. We want to make sure that when a student starts, they are going to be successful and finish the program.”

Explore Franklin’s doctoral programs to see how Franklin University can help you achieve your educational goals.

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How to Transfer Graduate School: 7 Key Steps

You’ve researched grad schools, chosen your desired master’s program, and have been admitted to an institution. But what if you change your mind?

Luckily, you don’t have to be stuck in a program that doesn’t suit you: It’s absolutely possible to transfer graduate schools (and even transfer master’s credits). Read on to discover the key steps – and questions you should be asking – when it comes to transferring grad credits.

Table of Contents

Why Do Some People Transfer Grad Schools?

These days, it’s actually pretty common to switch institutions. Some students:

• desire a degree from a more prestigious school to increase job prospects
• switch because their current school doesn’t fit their personal needs or budgets
• have goals or interests that have shifted
• don’t like the learning style at their institution

How to Transfer Grad School: 7 Easy Steps

Sure, you can transfer grad schools. But if you’ve committed to changing your educational institution, you’ll first need to determine how to make the process as smooth as possible.

1. Understand Your Needs

Transferring grad schools may be your only option to complete your degree, but you should have a clear answer about why you want to switch schools . It would be pointless if your new institution didn’t meet your needs. To figure out whether a transfer is right for you, consider the following points:

• Think about how much time the transition will take. Will it delay your graduation?
• Assess whether a switch like this will resolve the issues you currently have.
• Speak to your current advisor, registrar, or another school representative about issues you’re facing. Can they be resolved without switching schools?
• Ensure that you’ll be able to complete a new grad program (without losing any credits) by speaking with the admission advisors at your potential school.

Remember: You wouldn’t want to get admitted elsewhere only to face the same problems. Take the time to assess your situation.

2. Check the School’s Requirements

Once you’re sure that you want to transfer grad schools, start obtaining detailed information on the grad school transfer eligibility criteria. It is not as simple as switching to a new university for an undergrad degree: Graduate programs are generally more complex.

Check guidelines regarding graduate transfer credits on the school’s student web pages. Since grad school requirements  depend on the institution, discuss your requirements with the transfer office over the phone, via email, and/or in person. They’ll give you a stronger idea of what’s needed to get your transfer request approved.

3. Pull Together Your Transcripts

Before you can start applying, your new school will need to see evidence of your completed courses. You’ll need an official transcript from your old/current school  as quickly as possible, as official transcripts can take up to several weeks to receive.

I’m Not a Current Student – Can I Still Transfer Graduate Credits?

You don’t need to be currently enrolled to transfer graduate credits. While it depends on the field of study, most credits don’t have an expiration date if they’re from a nationally-accredited institution. Even if you dropped out of grad school three years ago, you might be able to transfer some – or all – of your credits.

However, some grad school credits can only be transferred within a certain period of time (typically between five and seven years).

For example, say that you apply to a master’s program with a completion time of seven years. You will then need to transfer credits earned from a previous program you completed five years before. In this case, you may need to complete all of the credits to earn your degree within two years (a total of seven years since you commenced your studies). Therefore, transferring credits can occasionally put pressure on students to complete their degrees in a faster time frame.

Will All of My Grad School Credits Transfer?

You may not be able to transfer all of your credits when switching schools. This depends on the school’s policies – and these vary widely . Most schools place a limit on the number of transferable credits, while others institutions don’t accept any! You should always check the institution’s own rules and requirements before applying for a transfer.

Usually, you’ll be able to transfer more credits if seeking a similar degree (like if you relocate from one  AACSB-accredited  MBA to another). However, your options will certainly be more limited if you change to a completely different master’s degree.

I Studied Online or Off-Campus – Will My Credits Transfer?

Generally, you can transfer online graduate program credits to a campus program.

Most institutions aren’t concerned if students completed their previous studies online or on campus. It’s important that these credits were earned at a recognized, accredited school  (and that you hold a decent GPA).

4. Write a Strong Statement

While this depends on the institution, students will usually need to go through the normal application process when transferring graduate schools. This often includes  writing a personal statement  that outlines their experience/qualifications and explains their motivations.

As a transfer student, it’s important to address the elephant in the room when writing your personal statement: Why are you looking to transfer schools? Your new institution may be concerned that you are undedicated or have had problems working with your professors or advisors. All institutions desire graduate students that become a credit to the school, so be prepared to create a strong statement – and even meet the selection committee in person to explain why you want a transfer.

5. Get Recommendation Letters

As part of your application, you may also be required to submit letters of recommendation. These documents are critical and increase your chances of being selected for the program, so be sure to request a recommendation letter from your professors and advisors.

Even if recommendation letters aren’t required, presenting two or three is good practice to increase your chances. If you have a strong track record at your current institution, your new school may waive certain admission requirements (such as the GMAT and GRE ).

6. Submit Your Application & Apply for Credit Transfers

Once you have all these elements in place, it’s time to submit your application. Once you’ve been accepted, the next step is to complete the process to transfer master’s programs.

To do this, you’ll need to arrange for your grad school credits to be transferred to your new institution. You want to make sure that you transfer as many credits as possible (since you’ve put a lot of hard work into your degree).

How to Use a Transfer Credit Request Form

Generally, your new school will need you to fill out a transfer credit request form. This may be called a “Transfer of Graduate Credit” or something similar, but the school’s graduate admission office can tell you specifics. You’ll need to specify the credits you want to transfer, then detail the coursework to show how it meets your new school’s requirements.

Complete the transfer credit request form, attaching your official academic transcript, recommendation letters, personal statement, and any other required documentation.

7. Wait for Approval

Once you’ve put in your application, the only thing left to do is wait! Remember: There’s no guarantee that your new school will accept all your credits, so wait for the green light before proceeding. If the school doesn’t accept all your graduate credits, you may want to consider other institutions (or stick with your current program instead).

Questions to Ask Before Trying to Transfer Grad Schools

Depending on your individual situation, transferring grad schools may be an excellent move, or it might not be such a good idea.

Ask yourself these questions before you initiate the process of trying to transfer grad schools:

• Does my prospective graduate school accept transfer students?
• When do I need to apply to grad school ?
• What is the institution’s policy for transferring credit hours?
• What are their admission requirements (e.g., minimum GPA, entrance exams)?
• Will they waive any admission requirements and consider my previous experience?
• What is my main motivation for transferring graduate programs? Will this move meet these objectives?
• What is it about my current program I don’t like? Is it the school, the program, or the area of study in general?
• Will I be able to continue my current research or thesis if I transfer?
• Will transferring master’s programs push back my completion date?

Top Tips to Transfer Graduate Schools with Minimal Hassle

Research the process.

Transferring graduate programs can be a complex process and involve a range of document submissions (like transfer credit request forms) and a formal application. To avoid delaying your graduation date, do your groundwork, keep track of submission deadlines, and start the process as early as possible.

Keep Your End Goal in Mind

Before you decide to transfer to a new program, take a step back and consider why you chose your graduate program in the first place:

• What were your key motivations?
• What were you trying to achieve through graduate studies?
• Where did the institution fall short?

Critically assess whether your new graduate school will address your current issues. Will it allow you to meet your goals?

Ask about Credits for Training and Experience

Formal training or certification courses completed during your academic career might be eligible for transfer credits, even if they weren’t conducted at a university. Your new school may offer credits for work experience if you’re a seasoned professional. Chat with your admissions advisor to discuss possible credit for previous training.

Only Transfer If It’s a Step Up

Transferring grad schools takes a lot of time and effort – and you may need to make up for credit hours that aren’t possible to transfer. Add in the complexities of adjusting to a new school and getting to know your peers/professors. Even though it’s a good idea to  apply to multiple grad schools , ensure there are enough benefits. After all, there’s no point in going through all of this for a “safety school.”

It’s Not Always Worth Transferring Credits

Graduate students occasionally find that the restrictions around transferring older credits means that they’re not left with much time to finish their program. If a handful of credits are fairly old, it may not make sense to transfer them. In fact, it may actually be better to start fresh so you won’t be under pressure to complete your program within a short time frame.

Maximize Time in Your Current Program

Once you’ve applied for a transfer, you may have to sit out of your current program before you can make a move. Why not take advantage of this period by taking electives that can be transferred as credit to your new studies? If that option isn’t possible, consider reducing your course load and using the time to get work published in a journal or gain work experience as a community college adjunct professor.

Take Advantage of Your New Start

Once you’ve successfully transferred to your preferred graduate program, make the most of it: Learn from your mistakes and approach university with a new focus.

Are There Alternatives to Transferring Graduate Schools?

If you’re unhappy with your current grad school – or feel it doesn’t meet your career goals – switching isn’t your only option. There are a few alternatives to transferring grad school that might help address your concerns.

Look into Outside Collaboration

If your main issue is not getting along with your advisors (or you feel they can’t best support your research goals), you may be able to access external collaboration opportunities without transferring schools entirely.

Ask If You Can Continue Working with Your Advisor

If your advisor has moved to a different school and you want to continue working with them, see if it’s possible through external collaboration (instead of changing schools).

See If Online Classes Are an Option

Some graduate programs allow students to take some of their classes remotely. If your main issues with your current program are logistical problems or scheduling conflicts, see if your school will meet some of your course requirements online. This could go a long way to resolve your concerns, all without finding an online master’s program .

Transfer Credits to Your Original School

If you’re close to finishing your degree, it might make more sense to take a few courses elsewhere –  then transferring those credits back to your original school . Not all programs will facilitate this, but it’s worth asking!

Go for a Terminal Master’s Degree

If you can’t see yourself completing your doctorate, you may be able to apply your studies toward a  terminal master’s qualification . This would give you the option to leave school and find a job after two years or transfer to a different Ph.D. program (if you think a related area of research would be a better fit).

Frequently Asked Questions

Will my  new school accept my credits for a master’s program.

You can submit a request for previously-earned credits to be considered for your new master’s program. In many cases, your new school will accept some – if not all – of your credits. However, there is no guarantee: Most institutions only accept the credits earned from reputable, nationally-accredited schools. Others have a policy not to accept transfer credits at all.

Do Graduate Schools Look at Transfer GPA?

This depends on the school and the admissions process, but most grad schools use your current grad program’s GPA as one of their main criteria for accepting your application.

Will They Consider My Undergraduate GPA?

Again, this depends on the graduate school. If they assess your application like any other applicant, the institution will almost certainly consider your undergraduate GPA. However, a strong academic transcript from your graduate program and excellent recommendation letters may help offset a problematic undergrad GPA.

Will I Need to Sit an Entrance Exam Like the GRE/GMT?

To determine program eligibility, you may need to take an entrance test (if you didn’t already sit the required test as part of applying to your initial school). GRE and GMAT are the most popular entrance tests for transfer students. An entrance test may or may not be required, but this depends on the school, your academic record, and any professional credentials.

How Long Do You Have to Transfer Graduate Credits from One School to Another?

When graduate students transfer their credits, schools usually set a time limit (this depends on the program). Ask the college admissions office to check their rules around transferring credit hours. Transferring older credits may also mean you’ll need to complete your degree within a shorter time frame (i.e., before those transfer credits expire).

Can You Transfer Credits That Weren’t Part of a Graduate Degree Program?

Yes, in some cases, you can get credit for formal training and education you’ve completed, even if it wasn’t part of a graduate program. This is, however, at the discretion of the admissions office. You may even be able to get credit for professional work experience if it was extensive enough.

Can You Transfer Ph.D. Programs?

Graduate students working towards a doctorate may be able to transfer to another Ph.D. program, but this isn’t as common. Ph.D. students typically work closely with a supervisor on a specific piece of research, so transferring to another school (and a different supervisor) may be impossible. Generally speaking, the further along you are with your Ph.D., the more challenging this will be.

Final Thoughts

It can be tricky to transfer graduate schools, but with a bit of research and the right approach, you’ll soon find the best graduate school for transfer students and be able to start the next part of your academic career without too much hassle.

Don’t let your uncertainty about how to transfer grad school get in the way of pursuing your dreams!

To help you put together a strong grad school application, check out these related guides:

• What to Ask in Your Grad School Interview
• How to Request a Recommendation Letter from Your Professor

Lisa Marlin

Lisa is a full-time writer specializing in career advice, further education, and personal development. She works from all over the world, and when not writing you'll find her hiking, practicing yoga, or enjoying a glass of Malbec.

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Transfer of Credit

Credit for Graduate Work at Other Universities

Students may receive up to eight units of credit for graduate work at other universities. Specific departments may set lower limits. A student who desires credit for previous course work should submit a request for transfer credit form to his or her Departmental Coordinator. That request should be submitted during the first year in the program. Credit may be transferred toward the Ph.D. from a master’s degree or other work completed in a post-baccalaureate degree program. No work done as an undergraduate (including graduate level courses), whether at this institution or at any other, will be counted toward a Ph.D., A.M., or M.S., with the following exception: graduate courses completed by undergraduates as submatriculants in a graduate group may be counted toward graduate degree requirements.

Students must complete a Request for Approval of Transfer Credit form and submit it along with a copy of the transcript from where the transfer is being requested to the PhD Coordinator. The Coordinator will decide whether to grant credit based on the standards of the previous work and its relevance to the student’s program. The Coordinator’s recommendation for transfer credit should be sent the Wharton Doctoral Programs Office for Vice Dean Approval. The decision of the Coordinator is final, but it must be filed in the student’s folder in the Doctoral Programs Office. The formal transfer of credit does not take place until the end of the first year of doctoral study.

Credit for Courses Taken in the Wharton MBA Program

Precisely the same rules as above apply to transferring credits from the Wharton MBA Program. Upon the Coordinator’s approval of MBA course work based on standards, relevancy, and departmental rules, a maximum of eight MBA course credits may be transferred. No MBA courses will be transferred with a grade below an A- (or its equivalent) as above. The request for such a transfer should be submitted during the student’s first year in the Ph.D. Program.

Transfer Credit

Credit may be transferred toward the Ph.D. from a masters degree or other work completed in a post-baccalaureate degree program, upon recommendation by the graduate chair and approval of the graduate dean, reducing full tuition registration by up to two years. No work done as an undergraduate, whether at this institution or at any other, will be counted toward a Ph.D., A.M., or M.S., with the following exception: graduate courses completed by undergraduates as submatriculants in a graduate group may be counted toward graduate degree requirements.

Graduate Transfer Credit

Can I Transfer in Previously Earned Graduate Credit? 

Graduate transfer credit is granted on a case-by-case basis and will be evaluated after acceptance to a graduate level program. To request a graduate transfer credit evaluation you must:

• Complete the graduate application process and be accepted into your program
• Submit a  graduate transfer credit request form

We award graduate transfer credits for courses taken at regionally and specially accredited institutions. Official transcripts, syllabi, and course descriptions will need to be sent directly to the Office of Admissions at the time of application submission. All graduate transfer credit petitions (domestic and international) are made on a case-by-case basis at the discretion of the graduate Dean of Academic and Faculty Affairs, and/or designee.

Graduate Transfer Credit Policies

• Master’s degree programs allow up to 12 quarter hours of transfer credit (up to four 3-q.h. or three 4-q.h. courses)
• Certificate programs allow up to 4 quarter hours of transfer credit (one course)
• No transfer credit will be awarded to students in the Doctor of Law and Policy program
• For information on advanced graduate credit toward the Doctor of Education program, click  here
• Minimum course grade acceptable is a grade of B, or 3.0 on a 4.0 scale
• Credits must be graduate level 
• Transfer credits must be no more than five academic years old at the time that the student is admitted to graduate study. Courses older than five years will be accepted only in rare circumstances.
• Credits that have been earned to fulfill an academic requirement for a graduate degree, baccalaureate degree, advanced degree, or certificate of advanced studies at another institution are not transferable

Northeastern University’s College of Professional Studies (CPS) is accredited by the New England Commission of Higher Education (NECHE). It is up to the individual institution to determine whether credit from CPS will be accepted in fulfillment of specific program and/or degree requirements. Students should inquire with the specific institution to determine whether particular credits will be accepted as transfer credit.

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• PhD/Doctorate

Can I transfer credits into a doctoral program?

January 8, 2020

When considering a doctoral program at Capella University, many students wonder whether previous academic credits can be applied toward the doctoral degree to save time and cost.

Kelly Brooks, Capella’s registrar, and Pete Woxland, supervisor of Admissions and Records Operations, provide answers to frequently asked questions.

Q. Can I transfer credits into a doctoral program?

A. It really depends on the program as each one has different requirements. In general, any transferred credits have to be directly applied toward the doctoral degree. Many programs allow some applicability of master’s work if it’s relevant to the doctoral work. A few programs also include open electives at the graduate level, so masters-level courses may be applicable to those requirements as well.

Q. What factors are involved in deciding if credits are transferable?

A. Overall, the credits need to be from an accredited school, with grades of a B- or better on graduate-level courses. The content and credits awarded need to be at least 75% the same as an existing Capella doctoral-level course. But that’s not a guarantee that a course will be accepted. Some courses can’t be transferred, such as program orientation courses, residency, practicum, or internships. Those must be taken through Capella.

Q. What is the process to find out if credits are transferable?

A. First, study the current program catalog. The course descriptions will indicate if transferred credit is accepted. Make sure you’re looking at the current program catalog, as things can change from year to year.

Next, apply to the program you’re interested in. Capella will work with you on transfer credits, but we can’t do this until you’ve applied for admission. Next, you’ll need to fill out a form allowing us to request the official transcript containing the credits you want to transfer. Also, it’s important to know that if you have any holds from your prior school (such as unpaid fees or unfinished coursework), we won’t be able to obtain the transcript until the holds have been cleared.

Once you’ve allowed us to request the transcript, the rest of the process is up to Capella. Each transcript will be evaluated within 48 hours after it has been received. If you have multiple transcripts to be evaluated, we will review and update your evaluation as each one arrives.

Q. What is the likelihood of credits being accepted?

A. Capella always strives to maximize transfer credit giving students as many credits as possible toward the doctoral program. But the content must align, and the grades must meet the minimum requirements in order to be used. If a course is not accepted, there may be an option to appeal by providing a syllabus from the course you are hoping to transfer. There are even situations where you may receive more credits than you expected. For example, Capella operates on a quarter-based system, with courses running 10-12 weeks. If you're bringing in credits from a semester-based school with courses that run 15 weeks, those credits translate into a quarter system, so that one-semester credit is equal to one-and-a-half quarter credits.

Q. Any last advice?

A. Talk to your enrollment counselor, and look at the current  program catalog  for the most up-to-date information to determine where your courses might apply in the transfer.

Learn more about transferring credits to Capella.

Capella University offers PhD and professional doctoral degree programs ranging from business to education and health to technology. Learn more about Capella’s online doctoral programs .

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• Transferring Credits

If you have completed graduate classes or a master’s degree prior to enrolling at Harvard, you may be able to transfer course credits to your PhD program. Technically, you can transfer up to 3 courses towards your PhD; in practice, getting 3 courses transferred can be quite difficult. Furthermore, you can typically only transfer graduate-level courses that are relevant to your research and have direct equivalents at Harvard (e.g., MIT’s 2.75 Medical Device Design course and Harvard’s ES227 Medical Device Design course). Sometimes, you can also transfer graduate-level courses that have no direct equivalents at Harvard, but happen to be courses that are highly relevant to your research (e.g., MIT’s 2.032 Dynamics course, if your research is in human gait biomechanics).

To apply to transfer courses, you first need to write a document that includes 1) an explanation of why you want to transfer courses and how the said courses are relevant to your research, 2) the official course listings for the courses you would like to transfer, and 3) official course listings for the corresponding Harvard courses, if there are direct equivalents. Next, you need to acquire official transcripts for your prior coursework and fill out the Prospective PhD Program form, which is available on the Forms section of the Harvard SEAS website. Then, you need to submit all of these forms to the Office of Academic Programs in Pierce Hall, which will then pass on the forms to the Committee on Higher Degrees (CHD). The CHD will approve/deny your request for transfer credit. Finally you need to fill out a form called “Application for Transfer Credit for Graduate Work Done Elsewhere,” which is available on the Harvard Registrar’s website. Please see the "Credit for Work Done Elsewhere" section of the CHD Policies .

Be sure to apply for transfer credit as early as possible in your program, and make sure to submit your forms before the CHD deadline (ask the Office of Academic Programs office for the specific dates).

http://handbook.gsas.harvard.edu/credit-graduate-work-done-elsewhere

Guide last updated:  Fall 2016

Most of the info is still relevant, but please check GSAS and SEAS sites for up-to-date specifics.

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Transfer Credit Policies

To be eligible for transfer credit, an approved course must be taken at an approved college and completed with a grade of C or better.

We don’t require transfer students to have taken any specific courses in the past. Instead, we offer general guidelines to prepare you for a successful transition. As part of our application review process, we evaluate your courses from other schools and institutions. If you’re admitted, you’ll receive a preliminary assessment that shows an estimate of your accepted credits. Once you enroll, you’ll begin an official credit evaluation.

Transfer Credit Guidelines

Choose a tab below for more information about our transfer credit policies. While these don’t replace our official credit evaluation, you can use them as general guidelines during the transfer process. Understanding our transfer credit policies can make the transfer process easier for you and your family.

General Guidelines for Transferring Credits

Non-transferable courses, school partnerships, credit transfer faqs.

Visit your undergraduate department website or the academic catalogue in the Krieger School of Arts & Sciences or Whiting School of Engineering to learn more about the courses our students take.

General Transfer Credit Policies

• Generally, your credits will transfer if they’re from an approved course, taken at an approved college, and completed with a grade of C or better.
• Pass/fail and ungraded courses may receive credit, as long as your school provides a written statement that your mark represents a grade of C or better.
• You may transfer credit for approved courses at a community college only if you took them before you started at Hopkins.
• You may receive a maximum of 6 credits for courses in areas that aren’t covered by programs at Hopkins.

Krieger School of Arts & Sciences Transfer Credit Policies

Natural sciences.

• A math course at the Calculus I level (or higher) and an introductory and intermediate science course with a lab in a related field.
• Additional introductory and intermediate science courses with labs (if you’re a junior transfer student).

SOCIAL AND BEHAVIORAL SCIENCES

• A math course at the statistics or calculus level, and at least one prior course in a related field.
• At least one prior course in a related field.

Whiting School of Engineering Transfer Credit Policies

General guidelines for all engineering majors.

• Introductory and intermediate courses in calculus, chemistry, and physics with labs.

Junior Transfers

• Advanced courses in higher levels of mathematics, such as Calculus III, Linear Algebra, or Differential Equations.
• Major-specific courses to demonstrate your readiness in the engineering discipline.

We’ll review the below courses on a case-by-case basis and notify you if your courses are eligible for transfer credits.

Physical Education or Personal Health and Wellness Courses

A maximum of 6 credits in the fields of nutrition, dietetics, or kinesiology, if these courses were part of a curriculum leading to a college degree.

College Orientation, Study Skills, or Career Development Courses

Courses that are in-depth studies of career paths within a field of study, and psychology courses in career counseling or learning theory.

Math Courses Below the Pre-Calculus Level

Most introductory statistics courses, and one course designed to review all necessary background for calculus, including the rate of change of a function.

Theology Courses

Comparative religion courses or other religion courses that study religion from an academic viewpoint.

Developmental English or English as a Second Language

First-year student composition courses (but not developmental English composition or ESL courses).

Computer Software Courses

Courses that teach some use of software, internet design and security, basic programming in HTML or Java, computer aided-design or introduce field-specific software programs.

Independent Study, Research, or Internship

Hybrid courses that include lectures and graded assignments along with practical experiences.

Trade Skill Courses

We’re unable to transfer courses that are part of an educational program leading to a specific trade, like automotive repair, culinary arts, and similar courses.

We partner with the State of Maryland to ease the process of transferring into certain programs.

Computer and Electrical Engineering

The Whiting School of Engineering participates in a program developed by the State of Maryland to ease the process of transferring into computer and electrical engineering programs as a junior. If you complete two years of study and are awarded a state-approved Associate of Science in Engineering (ASE) degree from a Maryland community college, you’ll be evaluated for admission to Hopkins under the standard transfer student process. Admission to Hopkins is competitive and not guaranteed.

If you’re admitted under this program and pursue a B.S. in Electrical Engineering or a B.S. in Computer Engineering, Hopkins will accept your ASE as a block of credits totaling at least 60 credits. The Electrical and Computer Engineering programs at Hopkins have a specific “breadth and depth” requirement as part of the broader humanities/social sciences distribution requirements. Courses taken as part of the ASE will not count towards the “depth” component, as it requires some coursework be completed at the upper level.

Below, you’ll find answers to frequently asked questions about the transfer credit process. If you have a question and don’t see it here, reach out to [email protected] .

Do my courses have to match a course taught at Hopkins?

Transfer courses don’t have to match existing Hopkins courses, but transfer courses should cover topics that are broadly defined as part of the Hopkins curriculum. For example, we do not regularly offer a course on science-fiction films. But since this is a film studies course and we have a major in Film and Media Studies, this course would likely be eligible for transfer.

Who determines if my credits are transferable?

Advisers from the appropriate Hopkins advising office, along with faculty members, determine which courses are eligible for transfer credit toward the number of credits required for graduation.

How many credits can I transfer?

Arts and Sciences transfer students are allowed to transfer up to 60 credits initially. Engineering transfer students are allowed to transfer a higher number if necessary. Please keep in mind that we require transfer students to complete 60 credits at Hopkins.

Can I transfer more credits later?

After starting at Hopkins, you can transfer up to an additional 12 credits (following the same guidelines as if you’d matriculated as a first-year student). Even with these additional credits, we still require that you complete 60 credits at Hopkins.

When will I receive an evaluation of my transferrable credits?

If you’re admitted, you’ll receive a preliminary credit assessment with your offer of admission. Once you enroll, you’ll be required to submit course descriptions and/or syllabi to the appropriate advising office to begin your official credit evaluation. We’ll provide additional information to help you through this process.

Will I receive credits for AP/IB/A-Level tests?

If you have an official score report sent directly from the College Board or another agency, we’ll award you credit for the exam scores that we accept. Learn more about our external credit policies in the latest Academic Catalogue .

Can writing-intensive courses transfer?

As part of the transfer evaluation process, you’ll receive guidance about the process for transferring writing-intensive courses.

How will the credits I have earned at my current school be evaluated?

Credit evaluations are performed by the Office of Academic Advising (Arts and Sciences) or the Office of Academic Affairs (Engineering). If you’re admitted, you’ll get a preliminary credit assessment on your decision release site. To receive credit for courses, we require a grade of C or better in courses comparable in content to those offered at Hopkins. Only courses from an accredited college or university are accepted. One of our academic advisers will finalize your credit evaluation after you’ve officially accepted your spot at the university.

Deadlines & Requirements

We have a list of application deadlines, requirements, and resources to help you through the transfer process.

Transfer FAQs

Find answers to our most common questions about the transfer process, application requirements, and applying for financial aid. 

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The Graduate College at the University of Illinois at Urbana-Champaign

Transferring credit.

There are two types of credit that a graduate student may wish to transfer. Different rules apply for each type.

• Credit from one graduate degree program to another graduate degree program within the Graduate College at the University of Illinois at Urbana-Champaign.
• Credit completed outside the Graduate College.

See the Graduate College Handbook for details on Transfer of Credit . Both types require completion of a graduate student petition .

Graduate Education and Postdoctoral Affairs

Graduate Handbook

Transfer credits/dual credit use, transfer credit policy link to section.

Graduate-level coursework taken prior to matriculation in a graduate degree program is classified as possible transfer work. Limits on transfer credits are set at the program level. Credit hours may be accepted toward degree requirements if the subjects taken form an integral part of the proposed program of study and if taken within five years of the date of matriculation with a grade of B or higher as interpreted in this University.

Requests for transfer credit must have the approval of the department and AS&E dean of graduate education and postdoctoral affairs. Similarly, permission to take work at another institution for transfer credit after matriculation in a graduate program must be approved in advance by the AS&E dean of graduate education and postdoctoral affairs. Credit hours already applied to two degrees, whether at the University of Rochester or elsewhere, cannot be applied to a third degree at the University.

For additional information, please review the Regulations and University Policies Concerning Graduate Studies .

Policy for Transferring in Credits Toward a PhD Link to section

Arts, Sciences & Engineering (AS&E) allows up to 30 credit hours of acceptable graduate work taken at this or another university to be transferred toward the 90-credit requirement for the doctoral degree. All transfer credits must not have been used as part of an undergraduate degree program and require the approval of the program (either the director of graduate studies or the chair) and the AS&E dean of graduate education and postdoctoral affairs in order to be applied to a PhD program of study.

Note that programs may have their own requirements or guidelines that limit the number of credits they will accept toward the degree. Any program-specific policy that restricts the number of credits to fewer than 30 supersedes this policy.

Policy for Transferring in Credits Toward a Master’s Degree Link to section

Arts, Sciences & Engineering allows no more than 10 credits taken prior to matriculation in a graduate program to be transferred in for the master’s degree program of study free of charge.

If a student has completed an advanced certificate at the University of Rochester in the same field as the master’s degree, with departmental approval, those credits may transfer toward the master’s program without counting toward the 10-credit limit.

All transfer credits must not have been used as part of the undergraduate degree program and require approval of the program (either the director of graduate studies or the chair) and the AS&E dean of graduate education and postdoctoral affairs in order to be applied to a graduate program of study.

Note that programs have their own requirements beyond completion of credit hours, such as distribution requirements, TA requirements, and specific work toward the exit exam or essay that the student must complete in order to earn a master’s degree. Students are encouraged to meet early in their planning process with the program’s graduate coordinator and/or director of graduate studies in order to devise a program of study that will meet all the requirements for the degree.

Policy for Transferring in Credits Toward an Advanced Certificate Link to section

Arts, Sciences & Engineering allows no more than four credits taken prior to matriculation in a graduate program to be transferred in for the certificate program free of charge.

If a student wishes to transfer in more than four credits for courses taken prior to matriculation in a graduate program, the student must pay for these credits. The cost shall be based on the per-credit tuition rate at the time the credit transfer is requested, and any graduate tuition scholarship that has been provided to the student shall be applied to this total tuition cost.

All transfer credits must not have been used as part of the undergraduate degree program and require approval of the program (either the director of graduate studies or the chair) and the AS&E dean of graduate education and postdoctoral affairs in order to be applied to a graduate program of study. 

Double Master’s Policy Link to section

Policy for using overlapping courses for two master’s degrees in arts, sciences & engineering link to section.

AS&E allows up to 10 credits to be used to satisfy the degree requirements for two distinct master’s degree programs. Students may petition for additional overlapped credits in their degree programs, but such petitions require the approval of both departments offering the degree programs as well as the AS&E dean of graduate education and postdoctoral affairs.

Any course used to satisfy the degree requirements for two master’s programs may not, under any circumstances, be used to satisfy the degree requirements for an additional master’s program or for a PhD program at the University of Rochester, as University regulations limit the application of course credits to, at most, two graduate programs.

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Ph.D. in Global Leadership

Credit Transfer Policy

Credit transfer guidelines.

• Entering student with an earned master’s level credits: Up to 12 hours allowed to transfer. The minimum grade of B (3.0) or equivalency will be considered for transfer credit.
• Entering student in an accredited Doctorate program: Up to 21 hours with overall 3.25 GPA and “B” minimum for any course transferred.
• Course credit must have been earned within the last ten years.
• Students may not transfer courses graded on a nonstandard basis (e.g., pass/no pass, credit/no credit, satisfactory/unsatisfactory) to their graduate certificate or degree programs unless it can be verified from the registrar of the prior university that the grade is equivalent to a B (3.0) or better.
• Previous coursework will be evaluated by the program director based on applicability to Ph.D. degree requirements, including course descriptions, outcomes, and global elements

Procedure for Requesting Transfer Credit

Requests for transfer credit should be directed in writing to the Ph.D. program.

• Complete a Credit Transfer Request Form . Please only list courses that your past program will endorse for use in a graduate program of study. Do not submit undergraduate courses for consideration even if your prior university allowed them to be used to meet degree requirements .
• Provide official course descriptions for each course submitted for transfer.
• Provide official transcripts.

Official transcripts (for all courses to be transferred from other institutions) must be on file in the Ph.D. in Global Leadership offices before transfer credits will be considered.

When requesting transcripts from another institution, please ask that they be sent directly to the following email: [email protected] or address:

Indiana Tech ATTN: Ph.D. Program 1600 E. Washington Blvd. Fort Wayne, IN 46803

Transfer Credit

A master’s student seeking to use coursework completed at another institution must provide the graduate studies committee with:.

an official transcript;

the official explanation of the institution’s course numbering system and grading system; and

the course description from the catalog of the institution.

Petition to Transfer a Graduate Course From Another Institution form

Along with these documents, the Petition to Transfer a Graduate Course From Another Institution form should be submitted by the graduate adviser for approval by the graduate dean. This form must be submitted before 12 hours of graduate coursework are completed at UT Austin.

Transfer Credit Criteria

A maximum of six credit hours of work from other institutions may be approved for use on the program of work.

The grade must be either A or B.

The course must be graduate level.

Courses may not have been used toward another degree.

Coursework earned on the quarter system is normally calculated at two-thirds of the credit for courses offered during a term. Thus, a three credit-hour course taken on the quarter system may be transferred as no more than two credit hours.

Coursework taken abroad or on other credit-hour systems will be recalculated for term credit and the amount of credit approved will be determined by an evaluation of the content of the course as compared to an equivalent UT Austin course.

If approved for use on the program of work, the course must be used within the six-year time limit. Courses older than six years may not be transferred.

The course may not be taken at another institution during the term of intended graduation at UT Austin, because the grades may not be received in time to certify the student’s program of work.

Contact Degree Evaluators

Petitions and supporting documents may be sent to degree evaluators in the Graduate School at the linked email address above. Notification of the Dean of Graduate Studies’ decision will be sent to the graduate adviser of the student’s program.

Grade-Point Average Calculation

All approved courses that appear on the UT Austin transcript with a UT Austin course number are included in the overall university grade-point average.

Affiliated Studies

Examples of this type of transfer of credit include Affiliated Studies courses.

Transfer courses from other institutions listed on the program of work may be used to justify the grade-point average for the major area or for the supporting work. Other institutions’ courses, however, are not included in the overall university GPA.

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Transfer or Graduate Students: Fall 2025

Welcome home to Residence Life! After you have been formally admitted to NDSU, your next step is to apply for on-campus housing. Fall 2025 applications open on October 1, 2024.

Residence Halls and Apartments

As a transfer or graduate student, you are able to apply for a residence hall or an apartment . There are six main differences between our halls and apartments.

Learn more about their differences and all of NDSU's upper-division housing options . 

RESIDENCE HALLS: If you would like to apply for a residence hall, please follow the directions below.

APARTMENTS:   If you would like to apply for an apartment, please click here .

APPLY FOR BOTH:  Because NDSU Apartments often hold long waitlists, many students will also apply for a residence hall. This secures housing and provides the opportunity to live on campus until their apartment is ready. To do this, follow these steps.

• Make sure to check the box to indicate you also want to apply for a residence hall! 
• Check your email. You’ll receive a link to the residence hall application with no application fee. This can take 1-2 business days. 

Residence Hall Applications for Transfer or Graduate Students (Fall 2025)

Step one - claim your n.d. university system account.

In order to apply for housing, you must use your claimed N.D. University (NDUS) system account. Not sure if you have claimed your NDUS account? Click on the link to verify:  http://claim.ndus.edu

Step Two - Apply for Housing

Log into the NDSU housing portal within Campus Connection. This step requires a $100 room reservation fee, which is fully refundable until May 1 as long as you provide notice of cancellation. 

After you apply for housing, you will receive a confirmation email to your North Dakota University System email address. For directions or help accessing this account, visit  NDSU IT Email Services .

Residence Halls License Agreement:   2024-2025 Terms and Conditions

Step Three - Roommate Selection

Learn all the ways you can  find or select a roommate .

Step Four - Room Selection

In March, you will participate in an  online room selection process  where you will select your residence hall and room. Priority is assigned based on your housing application date, so the sooner you apply for housing, the more likely you are to choose the hall and room of your choice! Detailed information about this process will be available in January. 

If you apply after March, we still have space for you! You will receive your assignment within a week of your application and will be notified via email. Housing information, plus roommate information (if applicable) will also be viewable on your housing portal within Campus Connection. 

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Still having problems? Contact: NDUS Help Desk  1-866-457-6387  [email protected]

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IE Data Bite: Quick Data Bites for Campus Insights: 2022-23 SUNY Broome Graduate Transfer Report Overview

Nov 5, 2024 | HiveHQ

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2022-23 SUNY Broome Graduate Transfer Report Overview

The 2022-23 SUNY Broome Graduate Transfer Report showcases SUNY Broome’s vital role in supporting graduates through their academic journey, of which transfer to another institution post- graduation from SUNY Broome is considered a key milestone in student continued academic success.

Out of 709 total graduates in the 2022-23 academic year, an impressive 41.6% transferred to other institutions within a year of graduation, illustrating the strong foundation SUNY Broome provides for its students to continue with their educational goals. These graduates carried an average GPA of 3.28 , demonstrating the academic rigor and student preparedness fostered at the college.

Notable Trends and Top Transfer Destinations

SUNY Binghamton continues to emerge as SUNY Broome’s top transfer institution , enrolling a total of 507 students who graduated from SUNY Broome over the past five years . This reflects the strong partnership between the two institutions and highlights the value of SUNY Broome’s programs as a steppingstone to advanced degrees at four-year institutions. Other top transfer destinations include SUNY Cortland (162), SUNY Oneonta (74) , Empire State University (71), and Excelsior University (53).

A Closer Look at Specific Degree Types

Degree-specific data reveals more about the transfer patterns of SUNY Broome graduates:

• Associate in Arts (AA) and Associate in Science (AS) programs are intended for students who plan to transfer to a four-year institution after graduation. Among the AA and AS graduates (333), 57% transferred (189).

• Associate in Applied Science (AAS) and Associate in Occupational Studies (AOS) degrees are intended for students who seek employment immediately after graduation. Certificate programs are designed to prepare students for immediate entry into an occupation or to enhance knowledge and skills. Among the AAS, AOS, and Certificate graduates (385), 28% transferred (109).

Note: Transfer numbers will be typically much lower for these programs as compared to the AA and AS degrees, which are designed specifically for transfer. However, as students may transfer at some point after SUNY Broome, they are included within the report.

As more students embark on their educational journeys at SUNY Broome, the institution will continue to play a pivotal role in shaping the future of education and career advancement in the region.

To explore the full Graduate Transfer Report and gain a deeper understanding of the trends over the past few years, please visit the link below:

2022-23 SUNY Broome Graduate Transfer Report Overview (pdf)

Submitted by: Office of Institutional Effectiveness

Tags: Institutional Effectiveness

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Should You Do a Balance Transfer?

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Understanding balance transfers can be a game changer if you're dealing with high-interest credit card debt. A balance transfer involves moving debt from one credit card to another to take advantage of lower interest rates.

Balance transfer cards typically feature a 0% introductory APR lasting six to 21 months. This offer can be particularly beneficial if you can repay the entire balance within this zero-interest window, significantly reducing the interest you'll pay.

However, balance transfers also have potential drawbacks that you need to consider for a well-rounded debt management strategy.

• A balance transfer involves moving debt from one credit card to another with lower interest rates, primarily to save on interest payments.
• Balance transfers can be a powerful tool for managing credit card debt if used correctly and with financial discipline.
• When selecting a balance transfer card, key considerations include a lengthy 0% APR period, low balance transfer fees, an adequate credit limit, competitive regular APR and no annual fee.

A balance transfer involves moving your outstanding credit card balance from one or multiple cards onto another credit card. This is especially beneficial when you move your balance to a card with a lower interest rate, often a new card with a 0% APR offer lasting six to 21 months.

For example, say you have a $3,000 balance on a card with a 20% APR. If you transfer this balance to a new card offering a 0% APR for 12 months, you could potentially save hundreds of dollars in interest over that year.

It's important to note, though, that there's usually a fee associated with the transfer, typically 3% to 5% of the amount you're transferring or a minimum amount set by the issuer, whichever is higher. The balance transfer process can take anywhere from a few days to several weeks, so it's crucial to continue making payments on your original card until the transfer is confirmed to avoid late fees.

How To Do a Credit Card Balance Transfer

Executing a balance transfer may seem daunting, but it doesn't have to be. By following a clear set of steps, you can effectively manage this process:

Evaluate Your Debt

Start by understanding the total amount of your credit card debt. Include all cards that you plan to consolidate. This process will help you know what to look for in a balance transfer card, like ensuring it has a big enough credit limit.

Research Balance Transfer Cards

Look for cards with 0% introductory APRs, long promotional periods and reasonable balance transfer fees.

Apply for the Balance Transfer Card

Once you've chosen a card, you'll need to apply, which usually involves providing your personal and financial information. Approval may be instant or take up to a few weeks, depending on the card issuer.

Request the Balance Transfer

Upon approval, you can request the balance transfer. You'll need to provide details about your old credit card and specify the amount you wish to transfer. The new card company then pays off your old card for you.

Continue Paying Your Old Card

Until the balance transfer is confirmed, keep making at least the minimum payments on your old card. This practice will help you avoid late fees and maintain your credit score.

Plan Your Repayment Strategy

After the transfer , focus on repaying the balance before the promotional APR period ends. Otherwise, any remaining balance will be subject to the card's standard APR.

Features of a Good Balance Transfer Card

When choosing a balance transfer card, you're looking for features that make it easier to pay off your debt efficiently and affordably.

Extended 0% APR Period

An extended 0% APR period can be a lifesaver when trying to pay down debt. Essentially, this is a grace period during which the balance you transfer incurs no interest. The length of this period varies among cards, but the best ones offer 0% APR for anywhere between 12 and 21 months. The more time you have, the easier it becomes to clear your debt before interest starts accruing.

Low Balance Transfer Fees

Credit card issuers charge a balance transfer fee, usually around 3% to 5% of the total amount you move or a minimum set amount. A lower fee will reduce transfer costs and help you save money when paying back your debt.

Competitive Regular APR

Although the aim is to pay off the transferred balance during the 0% APR period, it's always smart to plan for the unexpected. Should you need more time to pay off the balance, a card with a competitive regular APR will reduce the interest you'll have to pay.

No Annual Fee

Lastly, consider whether the card has an annual fee. While some cards justify an annual fee with rewards or bonuses, it's best to keep costs low when focusing on paying off debt. Opting for a card with no annual fee ensures that more of your money goes toward paying down your balance.

MORE: Best Balance Transfer Credit Cards in 2023

Potential Downsides of Balance Transfers

While balance transfers can be useful for managing and reducing debt, they also come with potential pitfalls . Here's what you need to keep an eye on:

• High APR for new purchases: The 0% APR often only applies to the transferred balance. Unless your intro offer also applies to purchases, the card's standard APR will apply to new charges.
• Loss of promotional rate: Some card issuers may terminate the promotional rate if you miss a payment or pay late. Always aim to pay on time and in full to keep the promotional rate.
• Debt complacency: Doing a balance transfer can make it seem like your debt problem is solved and can trick you into thinking your debt is smaller than it really is. You need to make sure you pay off the balance within the special offer period. Avoid spending too much so you don't add to your debt.
• Impact on credit score: Applying for a new credit card results in a hard inquiry on your credit report, which can temporarily lower your credit score. Furthermore, a high balance on the new card could increase your credit utilization ratio, negatively impacting your credit score.

Weigh these potential downsides with the flexibility a balance transfer can provide when paying off debt.

A balance transfer can be a powerful tool for managing debt, but it isn't the right choice for everyone. When considering a balance transfer, here are a few essential factors to ponder.

Evaluate Your Debt Situation

First, take a hard look at your debt situation. Balance transfers can be extremely beneficial for high-interest credit card debt, as the promotional 0% APR period allows you to make headway on your principal balance.

A balance transfer could be a smart move if you have a substantial amount of credit card debt and you're confident you can pay it off (or significantly reduce it) during the promotional period.

Consider Your Financial Discipline

Think about your spending habits. A balance transfer card can give you a break from high-interest rates, but it doesn't make debt disappear. If you continue unsustainable spending habits or don't make regular payments, you could end up with as much, or even more debt, when the low-interest-rate offer ends.

Assess the Impact on Your Credit Score

Applying for a new credit card will cause a hard inquiry on your credit report, which can temporarily reduce your credit score. Also, if you move a lot of debt to the new card and use up most of your credit limit, it can decrease your credit score.

Explore Other Debt Management Options

Finally, don't forget to explore other debt management options. A balance transfer is just one method to manage credit card debt. Depending on your situation, a personal loan , credit counseling or even debt settlement may be more appropriate. Discuss your situation with a financial advisor to understand the best path forward.

Understanding how a balance transfer works is the first step toward a smart debt management strategy. These offers can be a lifeline if you're struggling with high-interest credit card debt, giving you a chance to reduce your debt significantly.

But, carefully consider your options and practice disciple after the transfer to get the most from this strategy. If you keep these points in mind, you'll be better prepared to use balance transfers effectively and move towards a more secure financial future.

FAQs About How Balance Transfers Work

Need more clarity on balance transfers? You're not alone. Below are some frequently asked questions to guide you through the process.

The time it takes for a balance transfer to complete varies, typically ranging from a few days to several weeks. It's essential to continue making payments on your old card until the transfer is confirmed to avoid late fees or penalties.

Yes, but less than you might think. Applying for a new credit card results in a hard inquiry on your credit report, which can temporarily lower your credit score . Moreover, if the transferred balance consumes a large portion of your new credit limit, your credit utilization ratio might increase, potentially affecting your score negatively. But your credit score can improve over time as you consistently repay your debt.

No, you don't have to close your old card after a balance transfer. It will stay active until you choose to close it. But, if you decide to keep it, make sure you don't add more debt to it to keep your financial responsibilities under control.

Read More About Balance Transfer Credit Cards

Best Balance Transfer Credit Cards in 2023

Do Balance Transfers Hurt Your Credit?

How Much Money Can a Balance Transfer Actually Save?

About Grace Pilling

Grace Pilling was the Senior Content Manager for Credit Cards at MoneyGeek. She previously led personal finance teams at Bankrate, CreditCards.com and MoneyUnder30.

Pilling has a bachelor's degree in English from Western Sydney University and a diploma in book editing, proofreading and publishing. She is focused on empowering readers to make informed financial choices that support their best lives, not a company’s bottom line.

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