Transfer Friendly Colleges: Maximize Your College Credits

transfer college credits

Deciding where to attend college is one of the hardest decisions in our life. Despite years and years of preparation, many students feel like they have made the wrong decision post-acceptance. If you feel like this right now, know that you are not alone.

Over one-third of college students in the United States transfer to a different college(s) before earning one degree. This highlights a common experience among students seeking a better fit.

If you’re thinking of transferring, know that you have many options, but we highly suggest prioritizing transfer friendly colleges. This is especially a must if you’ve spent a year or more in your previous school. You don’t want to have those credit hours, on which you’ve spent a great deal of money and time, go to waste.

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You may ask, “What colleges accept transfer credits?” The answer is many (in fact, almost all)! However, each university will have its own criteria, limitations, and processes. But what sets colleges that accept the most transfer credits is their commitment to transparency and support for transfer students.

Most transfer friendly colleges use special online tools displayed on their websites. These tools allow transfer students to see how their previous coursework aligns with the new school’s standards. It minimizes uncertainty, helping students plan a new path accordingly.

What Are Transfer-Friendly Policies?

Many students in U.S. colleges change schools. In the 2020-21 school year, more than 2 million students moved to a different college. Some switch between similar colleges, while others move from community college to a four-year school. Some students switch schools once, others do it more.

Despite the urgency of making transferring easier, many colleges still make it hard for students to switch smoothly. These problems include losing credits, not having clear paths to transfer, and not getting good advice on transferring. These barriers especially affect students of color and those with lower incomes.

Fortunately, some schools offer a streamlined pathway to credit transfer. Colleges that transfer the most credits, also known as transfer-friendly colleges, have implemented policies that support seamless credit transfers. These colleges want to make it easy for transfer students to switch smoothly.

How would you know if a college is transfer-friendly? Here are some traits to look out for that will help you distinguish transfer-friendly colleges.

  1. Transfer-friendly colleges have clear rules on their websites about which credits they accept, when, and how they evaluate credits from other schools.
  2. These colleges let you transfer many credits from your old school, so you don’t have to redo classes you already finished.
  3. These colleges have agreements with other schools, especially community colleges, to make sure your classes count toward your new degree.

Many transfer students ask if there are colleges that accept all transfer credits. None. Despite having transfer-friendly policies, colleges have set credit transfer limits. These limits have two main purposes.

Firstly, these limits help colleges keep their academic standards high. By setting rules on how many credits can transfer, colleges ensure students complete a significant part of their degree at their school.

Second, these limits also encourage students to engage with the full breadth of the college’s curriculum. It ensures they receive a well-rounded education that aligns with the institution’s mission and values.

It’s really important to understand each college’s transfer credit evaluation rules. Knowing them helps you decide which credits will count, how they fit into your degree plan, and what extra classes you might need to finish your degree.

Benefits of Transfer-Friendly Policies

Schools with generous credit transfer policies are highly beneficial. They benefit both the institution and the transfer students.

Transfer-friendly colleges benefit to students:

Savie time by maximizing transferable credits

One of the key advantages of colleges that accept transfer credits is the ability to save time. Students can skip repeating classes they’ve already taken when transferring credits. This lets them concentrate on more advanced or specific subjects.

Instead of spending time studying courses you’ve already finished, you can use that time for internships or on-the-job opportunities. This provides more educational opportunities and makes your learning experience more engaging. It speeds up your path to graduation so you can begin working or continue your studies sooner.

Reduce tuition costs

Consequently, a friendly transfer credit evaluation policy will also help you save money. When students move credits from previous schools, they can reduce how much they spend on their degree. This is really important now because college costs keep going up.

Did you know? Between 2010 and 2021, tuition rates and related expenses rose by 17%. Not to mention textbook costs, which are increasing faster than inflation, a four-year degree is very expensive and will be even more costly as costs continue to rise unchecked.

Additionally, by reducing the time needed to complete a degree, transfer-friendly policies can indirectly contribute to lowering the total cost of education. Shortening the study duration means less money will be spent on tuition, accommodation, and other related expenses throughout your academic career.

Smooth transition to a new program

Transfer students are already under pressure to adjust to new environments and academic standards. Starting from scratch after spending all that money on their previous degrees would only add to the pressure. Aside from time and money benefits, transfer-friendly colleges reduce students’ stress of uncertainty.

Smooth credit transfer policies will allow you to build on your knowledge and skills instead of starting from zero. It allows you to keep your momentum and progress, keeping you on track of your academic and career goals. Moreover, colleges with generous credit transfer limits your frustration as they acknowledge your previous academic achievements.

All in all, a transfer-friendly college allows students to

  • save money on college tuition,
  • prevents graduation delays and
  • reduces stress and uncertainty.

Top 10 Colleges with Transfer-Friendly Policies

UniversityStand-out Feature
Arizona State University– Accepts up to 64 semester hours.
– 72% of ASU’s students are transfer students.
– Has a four-step transfer credit evaluation process.
– Offers customized transfer student tips.
Florida International University– Accepts up to 60 credit hours.
– Offers a very streamlined process to Florida college students.
– Offers scholarships to transfer students.
Liberty University– Allow transfer students to maximize college credits from previous institutions.
– Accepts transfer credits of up to 90 credit hours.
– Consider military experience and on-the-job training as transfer credits.
– Has an online tool.
California State University – Fullerton– Accepts up to 60 semester hours.
– 30 hours are dedicated to general education courses.
– Transfer credits should equal a “C” grade.
– Streamlined transfer credit evaluation process.
Western Governors University– Features competency-based assessments for prior learning.
– Consider college and life-earned experiences as transfer credits.
Saint Louis University – Provides support services tailored to transfer students.
– There are no minimum credit requirements for transferring.
– Transfer students are only required to earn 30 credits at SLU.
Clemson University– Offers a Transfer Course Equivalency List (TCEL).
– Transfer students have specialized benefits, such as a transfer-focused housing community and a special council.
Southern New Hampshire University– Transfer students may transfer 90 credits at most toward an undergraduate degree.
– Also evaluates life and work experiences for transfer credits.
University of Houston– Has a 91% transfer acceptance rate.
– Offers a variety of financial assistance for transfer students.
– Provides each transfer student with an admission counselor.
Purdue University– Transfer students can transfer 75% (at most) of their undergraduate degree.
– Life, work, and military experiences can also count. 

Many would say that the best time to transfer to a new college is after your freshman year. But why?

  • You’ve already finished foundational subject credits

Most undergraduate programs require you to finish basic courses before focusing on your major. Not all advanced credits may transfer when you switch schools, but many schools accept basic /foundational classes. If you’re concerned about costs, starting at a cheaper college and transferring to your preferred school can save you money.

  • You’ve raised your GPA

A higher GPA can show you’re ready for a more advanced college. A better GPA also boosts your chances of getting accepted, so focus on getting good grades early on.

However, it’s important to recognize that each person’s circumstances are unique. What might be the right timing for others may not necessarily be the best for you. Our best advice would be to meet with an academic advisor and ask for college transfer advice.

Academic advisors will help you make informed decisions based on your situation and goals. They will review your academic records, discuss transfer requirements, and guide you on timing your transfer effectively. They can also help you apply for transfer student scholarships that fit your requirements.


Look for transfer-friendly colleges that prioritize seamless credit transfers and have clear policies on credit acceptance. These colleges can save you time and money by maximizing transferable credits and reducing the need to retake classes you’ve already completed. Many of these colleges also offer wide-ranging financial aid for transfer students as well.

Transferring to a new college offers opportunities for academic growth and personal fulfillment, but it also requires careful planning and research. We advise you to seek help from trained academic advisors. These professionals will help you find the best transfer school for your needs.