Credit When It's Due/Reverse Transfer

Credit When It's Due/Reverse Transfer (RT) is Maryland's Reverse Transfer Associate Degree Program that allows students to earn an associate's degree while working on a bachelor's degree at the University of Maryland. Students who have not yet earned an associate's degree may be eligible to transfer courses completed at the University of Maryland back to the previously attended Maryland public community college to earn an associate's degree. The courses completed at the University of Maryland may count toward both the completion of the associate's and bachelor's degrees.

Who is eligible?
To be eligible for reverse transfer, the student must have transferred from a Maryland public community college to the University of Maryland with at least 15 credit hours and meet the following criteria:

  • Completed at least 15 credit hours prior to transferring to the University of Maryland.
  • Be in good academic standing at both the Maryland public community college and the University of Maryland with a grade point average of 2.0 or higher.
  • Have not previously been awarded either an associate's or bachelor's degree.

How to enroll?
Each Maryland public community college has their own established procedures. Please contact the community college directly for more information. In general, the student should:

  1. Notify the Registrar's Office at the Maryland public community college where you previously attended and are interested in applying for the reverse transfer associate degree.
  2. Request that your official transcript be sent from the University of Maryland to the community college in which you are applying for the reverse transfer associate degree.
  3. The community college will determine if the student is eligible for reverse transfer and will contact the student with their decision.

Why earn an Associate's Degree?
Earning an associate's degree is an important milestone in a student's academic career, as well as an important credential to have that can boost a student's resume and assist in landing better job opportunities. Many employers value the associate degree as a demonstrated commitment to achieving both educational goals and long-term career success.

In addition, a student transferring from a Maryland public community college with an earned associate’s degree has completed general education at the University of Maryland, except for any upper-level requirements and the number of credits required to complete general education (40 credits for GenEd or 43 credits for CORE). An official transcript from the transfer institution must be received by the University of Maryland with a notation the associate’s degree was awarded.

Maryland Higher Education Commission (MHEC) Video on Credit When It's Due/Reverse Transfer
The MHEC has created a video to provide students with additional information regarding Credit When It's Due/Reverse Transfer in the State of Maryland.

Please contact the community college where you previously attended directly with questions regarding the process for participating in reverse transfer. Questions regarding how reverse transfer will benefit you at the University of Maryland may be directed to your advising college or to Transfer Credit Services at transfercredit@umd.edu.