<p>I'm currently a community college student planning on applying as a transfer student for Fall 2011.</p>
<p>An Associates Degree at my community college requires 64 total credits, however, if I were to complete the degree, I would end up with 66 total credits.</p>
<p>Most of the schools I am interested in transferring to state they will allow a maximum of 60-64 credits to transfer.</p>
<p>My questions are:</p>
<ol>
<li><p>If I have earned 66 community college credits, will I be automatically rejected as a transfer applicant?</p></li>
<li><p>Are they referring to transferable credits towards a specific major? For example, if I was planning to major in Biology, and I took Financial Accounting (4 Credits), will the Financial Accounting course be excluded from the "66" credits I am transferring?</p></li>
<li><p>I only have the Spring semester left before I transfer, and I would like to be able to keep full-time student status in order to continue receiving financial aid. So I'm not sure if I should NOT complete the associates degree in order to obtain only a total of 64 credits at my community college?</p></li>
</ol>
<p>From what I’ve heard, if you go over the maximum amount of credits, you will receive subject credit for the excess. I’m expected to have over 90 credits by the time I transfer since I combined taking IGETC (Californian here) and major prep courses together, and I know that a couple of them are going to be counted as subject credit.</p>
<p>Even if the institution says that it will accept up to 60 hours of credits, it may not accept each and every one of the 60 hours of credits that YOU have earned. Some coursework might not be transferable.</p>
<p>You need to find out whether or not completing your full AA program will make a difference in your admission at the transfer-to institution. If a full AA means that you will have all of your Gen Eds covered, and you will place directly into third year courses in your major field, then you probably want to complete the AA. If completing your AA means you will end up with so many credits that the transfer-to institution will not let you apply for transfer admissions at all, then you need to decide whether or not you a) want to quit taking courses at X credits, or b) look for a college/university that doesn’t set that kind of ridiculous limit.</p>