If you’re familiar with the U.S. education system, you’ve probably heard about the dreaded AP exams that come around every spring and the notorious College Board that administers them.
Depending on your AP exam score, AP courses can count as college credit. But is taking AP classes really worth it, and how do you decide which AP classes are worth taking?
In this article, we’ll tell you everything you need to know about AP credits, from what they are, to what they do, and to how much they could potentially save you in college.
What are AP Credits?
AP, or Advanced Placement, is a program that was created by the College Board to allow high school students to take introductory, college-level courses in high school and earn course credit for these exams in college.
The AP Program is nationally accepted and recognized in high schools and colleges across the United States.
The range of Advanced Placement courses that are offered differs from school to school, but the most popular Advanced Placement subjects are AP Language and Composition, AP United States History, AP Literature and Composition, AP World History, and AP Psychology. Students learn the course material year-long and are offered the option to take the AP exams in May.
If a student takes the AP exam and scores sufficiently on it, the score could allow them to skip the equivalent course in college and earn college credit before even taking a course at the institution they are attending.
If a student does not take the AP exam but still does well in the class, the course can boost the student’s overall high school GPA, making them a more competitive college applicant.
The Advanced Placement program should not be confused with the IB, or International Baccalaureate, program that was created in Switzerland and is offered by secondary education schools globally. While IB is similar in theory to AP, the content, curriculum, and rigor of these two programs differ greatly.
Do AP Credits Really Save You Money in College?
The College Board encourages students to take multiple AP courses in high school to earn AP, or college-level credit, and save “hundreds, if not thousands of dollars.” The reasoning behind this is that if you do well on an AP Exam, the score can substitute as credit for the equivalent course offered, meaning you don’t have to take the course in college.
Each AP test costs $92, and the average number of AP courses taken among high school students is eight. That’s $736 sans tax, which is pricey. Multiple college courses and your college tuition, however, are pricier.
So here’s the big question: Does taking multiple AP courses in high school give you the bang for your buck?
Let’s find out.
Common Misconceptions
Many high school students infer that if they take an AP course and its adjoining exam in the spring, they will automatically receive college credit.
This is not true.
The College Board’s AP exams are graded on a scale of 1-5, with 1 being a fail and 5 being “extremely well-qualified.”
A student must receive an AP exam score of 3 or higher to pass the AP exam, and colleges usually only take high-achieving scores (4s or 5s) as credit. Just taking the AP exam won’t do anything when it comes to receiving college credit.
The Real Answer? It Depends on a Variety of Factors.
The policy for using Advanced Placement credit differs from college to college, which means that the matter of saving money with AP credit differs from college to college as well. Public universities are usually more lenient with accepting AP credit while selective private universities are more inflexible with accepting AP credit.
Most colleges only accept AP scores of 4 or 5 to count as college credit, but earning a 4 or a 5 on an AP exam doesn’t mean that the credit will count as a class exemption. This depends on your institution’s AP credit policy.
For example, if you took the AP Psychology exam and received a 5, you may earn 2 credits but still be required to take the institution’s Introductory Psychology class.
In another case, however, it is also possible that the AP Psychology exam credit could count as credits toward graduation and allow you to skip the introductory Psychology course at the institution.
Some schools could only accept two high-level AP exam scores to count as credit, and others could accept all of your AP credit. It truly depends on the school, and it’s important to research your school’s AP credit policy to determine whether or not you are really saving money in college with your AP credit.
While AP courses can potentially help you graduate early and save some money in college, the true benefit of the AP Program is to boost students’ GPAs, expose students to rigorous content, earn college credit before taking a course in college, and demonstrate a student’s knowledge and willingness to be challenged to the admissions committee through AP scores and courseloads.
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Do AP Credits Help You Graduate Early?
In theory, yes, but the ability to use your AP credits to graduate early depends on the school you are attending. In college, you need to meet a required number of credits to graduate. For example, at Duke University, you need 34 credits to graduate.
Let’s say that you’re attending Duke University and you’re planning to major in Biology. Duke only allows you to use two of your AP credits to substitute for certain classes and count for graduation credits if you meet the score requirement.
You received a 4 on the AP Biology exam, so you are eligible to take Biology 201L or 202L and skip Biology 101. You also receive two credits for this AP score.
You received a 4 on the AP Spanish Language and Composition exam, but Duke’s AP requirement for AP Spanish Language is a 5 for you to take a high-level course or receive graduation credits. Therefore, you must take an intermediate Spanish course at Duke before you can take the high-level course, and you do not receive any graduation credit.
You have 2/34 credits fulfilled at Duke University, so it might take less time for you to finish your degree in Biology, but graduating early usually requires enough AP credit for an entire semester. In fact, at Duke, graduating early due to AP credits is not possible because the institution only accepts two passing AP exam scores, which isn’t a whole semester’s worth of credits.
Graduating early with AP scores is tricky, and it really all depends on the school that you are attending and the school’s AP credit policies.
Is It Better to Take AP Classes or Do Dual Enrollment?
If you can take both AP Classes and do dual enrollment (taking college courses at a local community college and earning college credit directly), taking many AP courses should be your priority and dual enrollment should be an additional supplement to your education if your circumstances allow.
The AP Program is nationally recognized by higher education institutions, and taking many AP classes is an unspoken norm among high school students and college admissions. You should not refuse to take any AP classes because you are taking dual enrollment classes.
Taking AP classes is the safer option when debating between doing dual enrollment. It’ll be easier for you to have transferable credits because it is a widely recognized program, it boosts your GPA if you do well in the course, and it doesn’t involve the hassle of accepting credits because your school is administering the course.
Public colleges are very lenient in accepting AP credit, and while private colleges have stricter policies, you can still earn credit for a specific number of AP scores if you received qualifying scores.
Dual enrollment, however, is more undependable. You’ll need to check whether or not your school accepts dual enrollment credits from the community college you plan to study at, you need to get approval for taking the course, and it’s not definitive that the university you will attend will accept the credits.
You’ll want to demonstrate your willingness to take rigorous courses to college admissions committees by taking more and more AP classes each year.
If you already are taking sufficient AP classes and want to challenge yourself further, this is when you should consider doing dual enrollment. Let’s say that your school doesn’t offer AP Computer Science and coding is something that you want to learn; then you should look into what CS courses are being offered at local community colleges and go through the proper means to enroll in the course.
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Ascent
Ascent’s undergraduate and graduate student loans are funded by Bank of Lake Mills, or DR Bank, each Member FDIC. Loan products may not be available in certain jurisdictions. Certain restrictions, limitations; and terms and conditions may apply. For Ascent Terms and Conditions please visit: www.AscentFunding.com/Ts&Cs. Rates are effective as of 5/1/2024 and reflect an automatic payment discount of either 0.25% (for credit-based loans) OR 1.00% (for undergraduate outcomes-based loans). Automatic Payment Discount is available if the borrower is enrolled in automatic payments from their personal checking account and the amount is successfully withdrawn from the authorized bank account each month. For Ascent rates and repayment examples please visit: AscentFunding.com/Rates. 1% Cash Back Graduation Reward subject to terms and conditions. Cosigned Credit-Based Loan student must meet certain minimum credit criteria. The minimum score required is subject to change and may depend on the credit score of your cosigner. Lowest rates require interest-only payments, the shortest loan term, a cosigner, and are only available for our most creditworthy applicants and cosigners with the highest average credit scores. Actual APR offered may be higher or lower than the repayment examples above, based on the amount of time you spend in school and any grace period you have before repayment begins.
Ascent’s undergraduate and graduate student loans are funded by Bank of Lake Mills, or DR Bank, each Member FDIC. Loan products may not be available in certain jurisdictions. Certain restrictions, limitations; and terms and conditions may apply. For Ascent Terms and Conditions please visit: www.AscentFunding.com/Ts&Cs. Rates are effective as of 5/1/2024 and reflect an automatic payment discount of either 0.25% (for credit-based loans) OR 1.00% (for undergraduate outcomes-based loans). Automatic Payment Discount is available if the borrower is enrolled in automatic payments from their personal checking account and the amount is successfully withdrawn from the authorized bank account each month. For Ascent rates and repayment examples please visit: AscentFunding.com/Rates. 1% Cash Back Graduation Reward subject to terms and conditions. Cosigned Credit-Based Loan student must meet certain minimum credit criteria. The minimum score required is subject to change and may depend on the credit score of your cosigner. Lowest rates require interest-only payments, the shortest loan term, a cosigner, and are only available for our most creditworthy applicants and cosigners with the highest average credit scores. Actual APR offered may be higher or lower than the repayment examples above, based on the amount of time you spend in school and any grace period you have before repayment begins.
LendKey
1 – Terms and Conditions Apply
Loan products, terms, and benefits may be modified or discontinued by participating lenders at any time without notice. Rates displayed are reserved for the most creditworthy consumers who enroll to make automatic monthly payments. Your initial rate will be determined after a review of your application and credit profile. Variable rates may increase after consummation. You must be either a U.S. citizen or Permanent Resident in an eligible state and from an eligible school, and meet the lender’s credit and income requirements to qualify for a loan. Certain membership requirements (including the opening of a share account, a minimum share account deposit, and the payment of any applicable association fees in connection with membership) may apply in the event that an applicant wishes to apply with, and accept a loan offered from, a credit union lender. If you are not a member of the credit union lender, you may apply and become a member during the loan application process if you meet the lender’s eligibility criteria. Applying with a creditworthy cosigner may result in a better chance of loan approval and/or lower interest rate. Loans for exam preparation classes, including, but not limited to, loans for LSAT, MCAT, GMAT, and GRE preparation, are not available via LendKey.com.
2 – Cosigner Release
Some lenders participating on LendKey.com may offer the benefit of cosigner release. Cosigner release is subject to lender approval. In order to qualify, the borrower, alone, must meet the following requirements: (1) Make the required number of consecutive, on-time full principal and interest payments as indicated in the borrower’s credit agreement during the repayment period (excluding interest-only payments) immediately prior to the request. Any period of forbearance will reset the repayment clock; (2) The account cannot be in delinquent status; (3) The borrower must provide proof of income indicating that he/she meets the income requirements and pass a credit review demonstrating that he/she has a satisfactory credit history and the ability to assume full responsibility of loan repayment; (4) No bankruptcies or foreclosures in the last sixty months; and (5) No loan defaults.
3 – Autopay Rate Reduction
Subject to floor rate and may require the automatic payments be made from a checking or savings account with the lender. The rate reduction will be removed and the rate will be increased by 0.25% upon any cancellation or failed collection attempt of the automatic payment and will be suspended during any period of deferment or forbearance. As a result, during the forbearance or suspension period, and/or if the automatic payment is canceled, any increase will take the form of higher payments.
4 – AutoPay Discount & Lowest Interest Rate
Subject to floor rate and may require the automatic payments be made from a checking or savings account with the lender. The rate reduction will be removed and the rate will be increased by 0.25% upon any cancellation or failed collection attempt of the automatic payment and will be suspended during any period of deferment or forbearance. As a result, during the forbearance or suspension period, and/or if the automatic payment is canceled, any increase will take the form of higher payments. The lowest advertised APR is only available for loan terms of 10 years and is reserved for the highest qualified applicants, taking into consideration the applicant’s credit and other factors.
1 – Terms and Conditions Apply
Loan products, terms, and benefits may be modified or discontinued by participating lenders at any time without notice. Rates displayed are reserved for the most creditworthy consumers who enroll to make automatic monthly payments. Your initial rate will be determined after a review of your application and credit profile. Variable rates may increase after consummation. You must be either a U.S. citizen or Permanent Resident in an eligible state and from an eligible school, and meet the lender’s credit and income requirements to qualify for a loan. Certain membership requirements (including the opening of a share account, a minimum share account deposit, and the payment of any applicable association fees in connection with membership) may apply in the event that an applicant wishes to apply with, and accept a loan offered from, a credit union lender. If you are not a member of the credit union lender, you may apply and become a member during the loan application process if you meet the lender’s eligibility criteria. Applying with a creditworthy cosigner may result in a better chance of loan approval and/or lower interest rate. Loans for exam preparation classes, including, but not limited to, loans for LSAT, MCAT, GMAT, and GRE preparation, are not available via LendKey.com.
2 – Cosigner Release
Some lenders participating on LendKey.com may offer the benefit of cosigner release. Cosigner release is subject to lender approval. In order to qualify, the borrower, alone, must meet the following requirements: (1) Make the required number of consecutive, on-time full principal and interest payments as indicated in the borrower’s credit agreement during the repayment period (excluding interest-only payments) immediately prior to the request. Any period of forbearance will reset the repayment clock; (2) The account cannot be in delinquent status; (3) The borrower must provide proof of income indicating that he/she meets the income requirements and pass a credit review demonstrating that he/she has a satisfactory credit history and the ability to assume full responsibility of loan repayment; (4) No bankruptcies or foreclosures in the last sixty months; and (5) No loan defaults.
3 – Autopay Rate Reduction
Subject to floor rate and may require the automatic payments be made from a checking or savings account with the lender. The rate reduction will be removed and the rate will be increased by 0.25% upon any cancellation or failed collection attempt of the automatic payment and will be suspended during any period of deferment or forbearance. As a result, during the forbearance or suspension period, and/or if the automatic payment is canceled, any increase will take the form of higher payments.
4 – AutoPay Discount & Lowest Interest Rate
Subject to floor rate and may require the automatic payments be made from a checking or savings account with the lender. The rate reduction will be removed and the rate will be increased by 0.25% upon any cancellation or failed collection attempt of the automatic payment and will be suspended during any period of deferment or forbearance. As a result, during the forbearance or suspension period, and/or if the automatic payment is canceled, any increase will take the form of higher payments. The lowest advertised APR is only available for loan terms of 10 years and is reserved for the highest qualified applicants, taking into consideration the applicant’s credit and other factors.
Earnest
Auto Pay Discount Disclosure
You can take advantage of the Auto Pay interest rate reduction by setting up and maintaining active and automatic ACH withdrawal of your loan payment. The interest rate reduction for Auto Pay will be available only while your loan is enrolled in Auto Pay. Interest rate incentives for utilizing Auto Pay may not be combined with certain private student loan repayment programs that also offer an interest rate reduction. For multi-party loans, only one party may enroll in Auto Pay.
Student Loan Origination (Private Student Loan) Interest Rate Disclosure
Actual rate and available repayment terms will vary based on your income. Fixed rates range from 4.36% APR to 16.15% APR (excludes 0.25% Auto Pay discount). Variable rates range from 5.87% APR to 16.45% APR (excludes 0.25% Auto Pay discount). Earnest variable interest rate student loan origination loans are based on a publicly available index, the 30-day Average Secured Overnight Financing Rate (SOFR) published by the Federal Reserve Bank of New York. The variable rate is based on the rate published on the 25th day, or the next business day, of the preceding calendar month, rounded to the nearest hundredth of a percent. The rate will not increase more than once per month. Although the rate will vary after you are approved, it will never exceed 36% (the maximum allowable for this loan). Please note, Earnest Private Student Loans are not available in Nevada. Our lowest rates are only available for our most credit qualified borrowers and contain our .25% auto pay discount from a checking or savings account. It is important to note that the 0.25% Auto Pay discount is not available while loan payments are deferred.
Earnest Private Student Loans are made by One American Bank, Member FDIC, or FinWise Bank, Member FDIC. One American Bank, 515 S. Minnesota Ave, Sioux Falls, SD 57104. Finwise Bank, 756 East Winchester, Suite 100, Murray, UT 84107
Earnest loans are serviced by Earnest Operations LLC, 535 Mission St., Suite 1663 San Francisco, CA 94105, NMLS #1204917, with support From Navient Solutions, LLC (NMLS #212430). One American Bank, FinWise Bank, and Earnest LLC and its subsidiaries, including Earnest Operations LLC, are not sponsored by agencies of the United States of America.
© 2024 Earnest LLC. All rights reserved.
Auto Pay Discount Disclosure
You can take advantage of the Auto Pay interest rate reduction by setting up and maintaining active and automatic ACH withdrawal of your loan payment. The interest rate reduction for Auto Pay will be available only while your loan is enrolled in Auto Pay. Interest rate incentives for utilizing Auto Pay may not be combined with certain private student loan repayment programs that also offer an interest rate reduction. For multi-party loans, only one party may enroll in Auto Pay.
Student Loan Origination (Private Student Loan) Interest Rate Disclosure
Actual rate and available repayment terms will vary based on your income. Fixed rates range from 4.36% APR to 16.15% APR (excludes 0.25% Auto Pay discount). Variable rates range from 5.87% APR to 16.45% APR (excludes 0.25% Auto Pay discount). Earnest variable interest rate student loan origination loans are based on a publicly available index, the 30-day Average Secured Overnight Financing Rate (SOFR) published by the Federal Reserve Bank of New York. The variable rate is based on the rate published on the 25th day, or the next business day, of the preceding calendar month, rounded to the nearest hundredth of a percent. The rate will not increase more than once per month. Although the rate will vary after you are approved, it will never exceed 36% (the maximum allowable for this loan). Please note, Earnest Private Student Loans are not available in Nevada. Our lowest rates are only available for our most credit qualified borrowers and contain our .25% auto pay discount from a checking or savings account. It is important to note that the 0.25% Auto Pay discount is not available while loan payments are deferred.
Earnest Private Student Loans are made by One American Bank, Member FDIC, or FinWise Bank, Member FDIC. One American Bank, 515 S. Minnesota Ave, Sioux Falls, SD 57104. Finwise Bank, 756 East Winchester, Suite 100, Murray, UT 84107
Earnest loans are serviced by Earnest Operations LLC, 535 Mission St., Suite 1663 San Francisco, CA 94105, NMLS #1204917, with support From Navient Solutions, LLC (NMLS #212430). One American Bank, FinWise Bank, and Earnest LLC and its subsidiaries, including Earnest Operations LLC, are not sponsored by agencies of the United States of America.
© 2024 Earnest LLC. All rights reserved.
College Ave
College Ave Student Loans products are made available through Firstrust Bank, member FDIC, First Citizens Community Bank, member FDIC, or M.Y. Safra Bank, FSB, member FDIC. All loans are subject to individual approval and adherence to underwriting guidelines. Program restrictions, other terms, and conditions apply.
*The 0.25% auto-pay interest rate reduction applies as long as the borrower or cosigner, if applicable, enrolls in auto-pay and authorizes our loan servicer to automatically deduct your monthly payments from a valid bank account via Automated Clearing House (“ACH”). The rate reduction applies for as long as the monthly payment amount is successfully deducted from the designated bank account and is suspended during periods of forbearance and certain deferments. Variable rates may increase after consummation. $5,000 is the minimum requirement to refinance. The maximum loan amount is $300,000 for those with medical, dental, pharmacy or veterinary doctorate degrees, and $150,000 for all other undergraduate or graduate degrees. Information advertised valid as of 08/25/2022. Variable interest rates may increase after consummation.
This informational repayment example uses typical loan terms for a refi borrower with a Full Principal & Interest Repayment and a 10-year repayment term, has a $40,000 loan and a 5.5% Annual Percentage Rate (“APR”): 120 monthly payments of $434.11 while in the repayment period, for a total amount of payments of $52,092.61. Loans will never have a full principal and interest monthly payment of less than $50. Your actual rates and repayment terms may vary.
This informational repayment example uses typical loan terms for a freshman borrower who selects the Deferred Repayment Option with a 10-year repayment term, has a $10,000 loan that is disbursed in one disbursement and a 8.35% fixed Annual Percentage Rate (“APR”): 120 monthly payments of $179.18 while in the repayment period, for a total amount of payments of $21,501.54. Loans will never have a full principal and interest monthly payment of less than $50. Your actual rates and repayment terms may vary.
Information advertised valid as of 5/01/2024. Variable interest rates may increase after consummation. Approved interest rate will depend on creditworthiness of the applicant(s), lowest advertised rates only available to the most creditworthy applicants and require selection of full principal and interest payments with the shortest available loan term.
College Ave Student Loans products are made available through Firstrust Bank, member FDIC, First Citizens Community Bank, member FDIC, or M.Y. Safra Bank, FSB, member FDIC. All loans are subject to individual approval and adherence to underwriting guidelines. Program restrictions, other terms, and conditions apply.
*The 0.25% auto-pay interest rate reduction applies as long as the borrower or cosigner, if applicable, enrolls in auto-pay and authorizes our loan servicer to automatically deduct your monthly payments from a valid bank account via Automated Clearing House (“ACH”). The rate reduction applies for as long as the monthly payment amount is successfully deducted from the designated bank account and is suspended during periods of forbearance and certain deferments. Variable rates may increase after consummation. $5,000 is the minimum requirement to refinance. The maximum loan amount is $300,000 for those with medical, dental, pharmacy or veterinary doctorate degrees, and $150,000 for all other undergraduate or graduate degrees. Information advertised valid as of 08/25/2022. Variable interest rates may increase after consummation.
This informational repayment example uses typical loan terms for a refi borrower with a Full Principal & Interest Repayment and a 10-year repayment term, has a $40,000 loan and a 5.5% Annual Percentage Rate (“APR”): 120 monthly payments of $434.11 while in the repayment period, for a total amount of payments of $52,092.61. Loans will never have a full principal and interest monthly payment of less than $50. Your actual rates and repayment terms may vary.
This informational repayment example uses typical loan terms for a freshman borrower who selects the Deferred Repayment Option with a 10-year repayment term, has a $10,000 loan that is disbursed in one disbursement and a 8.35% fixed Annual Percentage Rate (“APR”): 120 monthly payments of $179.18 while in the repayment period, for a total amount of payments of $21,501.54. Loans will never have a full principal and interest monthly payment of less than $50. Your actual rates and repayment terms may vary.
Information advertised valid as of 5/01/2024. Variable interest rates may increase after consummation. Approved interest rate will depend on creditworthiness of the applicant(s), lowest advertised rates only available to the most creditworthy applicants and require selection of full principal and interest payments with the shortest available loan term.
Closing Thoughts From the Nest
Navigating through Advanced Placement classes, exams, and college admissions may seem overwhelming, and we hope that this article helped clear up some confusion about the AP Program.
Remember to prioritize taking AP classes over doing dual enrollment and try your best on the AP exams. Even if your exams won’t be considered as credit in college, you still have the option to impress admissions committees by sending your official AP score report to universities to demonstrate mastery and understanding of a certain topic (this is if you did well on your AP exams). Earning an ‘A’ in an AP course can also boost your GPA, which is an important consideration for the admissions process. Be sure to weigh all of your options as you enroll in AP courses and look into dual enrollment options at your local community college.
At the core of it all, these opportunities are for your academic exploration and enrichment, so take advantage of the options you have!