How to Graduate College on Time

 August 31, 2021
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Graduate College on Time

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Figuring out how to graduate college on time will not only keep you on track toward your academic goals, but it could also save you thousands of dollars.

If you have to stay for extra semesters, you’ll need to pay for tuition, room, board, books and fees. All of these expenses could cause you to rack up even more student loan debt.

But if you can earn your degree within four years, you can prevent your cost of attendance from ballooning. Here are nine of the most common mistakes that can derail your education as a college student, and how to stay on track:

1. Relying solely on your advisor
2. Not checking course availability
3. Accepting a “class full” as final
4. Signing up for a class that’s way too advanced
5. Taking a less-than-full course load
6. Prioritizing work over your studies
7. Not taking advantage of AP test credit
8. Transferring schools and losing credits
9. Not taking advantage of your college’s support resources

1. Relying solely on your advisor

As an incoming freshman, your college will likely assign you an academic advisor to help you choose your courses.

Typically, this advisor is experienced in helping new students transition to college life. However, they may not necessarily know the ins and outs of your specific major.

If you rely solely on your advisor’s guidance, you could end up missing out on major requirements you need for graduation because he or she did not know about them.

For example, in college, I had a lovely professor as my advisor. But I was a communications and English double major, and he taught political science.

While I was focused on graduating as quickly as possible to minimize debt, he believed in learning for the sake of learning. So he encouraged me to take classes that filled neither my core nor major requirements.

If I had followed his advice — as many of my classmates did — I would have ended up behind in my graduation requirements. In fact, I would have needed extra semesters to make up the necessary classes.

Instead, I worked closely with my department chair, the registrar’s office, and studied the student handbook to manage my own credit requirements. I kept myself on track to graduate, especially since my advisor wasn’t in the know.

Remember, in order to graduate in four years or less, you need to be your own advocate on campus. Find out which classes you need to take to graduate, make a plan and stick with it.

2. Not checking course availability

One of the biggest mistakes people make is not planning ahead when it comes to course selection.

Many students assume that when they’re ready to take a required course, it will be available. But that’s not always the case. Some schools only offer certain classes during select quarters or semesters.

At my college, the school required you to take a particular class before graduation. However, they only offered it every other year. So if you missed it, you had to wait a full two semesters before the school offered it again.

Once you know what classes you need to take to graduate, including classes for your major, minor and core academic requirements, check with each department to find out when they’re offered.

Classes are scheduled well in advance, so they can generally tell you at the start of the academic year when classes will be offered. If not sooner.

By my second semester of my freshman year, I had the next three years of classes fully planned out. And that helped prevent any surprises when it came to course availability.

3. Accepting a ‘class full’ as final

Of course, no matter how well you plan, sometimes there are hiccups.

At some schools, classes can fill up quickly. And due to their lottery or wait-list systems, you may not get to choose the classes you wanted when it’s time to select your courses.

But accepting “course full” and just giving up is a huge mistake that can delay your graduation.

For example, despite all of my diligent planning, I had two courses that were full before I could add them. Yet, the second I got that notification, I ran down in person to the department’s building and stood outside the department head’s office.

Once I explained to them how missing the class would derail my plans for graduating on time, the department chair ended up overruling the class maximum and allowing me to enroll.

However, if that option isn’t available for you, ask if they can add you to a course waiting list. That way if students drop out of the class at the start of the semester, you can take their spot. And stay on track.

4. Signing up for a class that’s way too advanced

Most schools have some sort of core academic curriculum with classes in math, science, foreign languages and English. They’re tailored to provide a foundation and taste for each subject.

Unfortunately, many students overestimate their abilities and sign up for a class that’s too difficult.

Whether they take an advanced Spanish class because they took a year of it in high school or sign up for geology because it sounds interesting, their course load is way more than they bargained for.

Many students end up failing a class and have to retake it. Or, they take a new class to fulfill the core requirement.

That happened to me, actually. I took neuroscience because it was fascinating to me, and I thought it would be a basic course for all majors.

However, it was a preliminary course geared towards biology students, so I struggled a lot. Despite my best efforts, I barely managed to pass the class with a “C.”

But if I’d failed or had to re-take it, this could have easily been the class that derailed my carefully crafted graduation plan.

5. Taking a less-than-full course load

The number of credits you’re required to take each semester may be less than the number of credits you need to graduate.

For example, Suffolk University states that students need to take at least 12 credits per semester to be considered a full-time student. However, most Suffolk programs require between 124 and 126 credits to graduate. If you only took 12 credits each semester, you’d be 28 to 30 credits short after four years.

Don’t assume that the minimum number of credits will keep you on track. Instead, figure out the total number you need to graduate and divide it by eight semesters. That way, you can see exactly how many classes you need to take each term to graduate within four years.

You might also consider taking an extra course to graduate early or be able to take fewer courses when senior year rolls around. But be careful not to over-commit, as you don’t want your grades to suffer.

Plus, you want enough time in your schedule to take part in extracurriculars and enjoy your college experience.

6. Prioritizing work over your studies

Working a part-time or work-study job can be a great way to earn extra spending money while you’re in college. But if you work too much, you might fall behind on your schoolwork.

Many colleges place a limit of 20 hours per week on work-study jobs. If you’re working a part-time job, it’s up to you to strike a balance between your job and your studies.

Although making money as a student could leave you with less student debt after graduation, you don’t want it to prevent you from graduating college on time. Otherwise, your attempts to make money could end up costing you in the long run.

7. Not taking advantage of AP test credit

Some colleges offer course credit if you achieved a certain score on AP tests in high school. For instance, doing well on an English or math test in high school could mean you can skip certain introductory class requirements when you get to college.

If you scored highly on AP tests, it’s worth checking with your college to see what kind of credit it offers. You might prefer a college that will waive course requirements as opposed to one that doesn’t.

Making sure you get credit for your efforts in high school could make it easier to graduate college on time.

8. Transferring schools and losing credits

You also want to make sure you get credit for the courses you’ve taken if you transfer colleges. Colleges don’t necessarily count credits in the same way, so you’ll need to speak with your advisors about your situation.

If you’re considering whether or not to transfer, think about how doing so could impact your progress toward graduation. If it means you’ll need to spend an extra year or two studying for your degree, transferring schools might not be worth the financial cost.

9. Not taking advantage of your college’s support resources

Finally, doing well in your classes is key to graduating college on time. Dropping out or receiving a failing grade could mean you fall behind on credits.

If you’re in danger of failing, do everything you can to get back on track. Speak with your professor, reach out to your advisor and take advantage of campus support resources, such as tutoring.

Don’t wait until it’s too late; seek out extra help and guidance as soon as your grades start slipping.

Graduating college on time can save you money

College is expensive enough already without you adding years to your time there.

By carefully planning and staying in close communication with your department head and advisors, you can help deflect any issue that may arise.

For more information about how to save money while still in school, check out this article on how you can save thousands by skipping the college meal plan.

Need a student loan?

Here are our top student loan lenders of 2022!
LenderVariable APREligibility 
2.49% – 13.85%1Undergraduate

Visit College Ave

2.55% – 11.44%2Undergraduate

Visit Earnest

3.25% – 13.59%3Undergraduate

Visit SallieMae

0.00% – 23.00%4Undergraduate

Visit Edly

3.25% – 9.69%6Undergraduate



Visit FundingU

* The Sallie Mae partner referenced is not the creditor for these loans and is compensated by Sallie Mae for the referral of Smart Option Student Loan customers.

1 Important Disclosures for College Ave.

CollegeAve Disclosures

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.

  1. As certified by your school and less any other financial aid you might receive. Minimum $1,000.
  2. Rates shown are for the College Ave Undergraduate Loan product and include autopay discount. The 0.25% auto-pay interest rate reduction applies as long as a valid bank account is designated for required monthly payments. Variable rates may increase after consummation.
  3. 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 9/15/2022. Variable interest rates may increase after consummation. Approved interest rate will depend on the 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.

2 Rate range above includes optional 0.25% Auto Pay discount. Important Disclosures for Earnest.

Earnest Disclosures

Actual rate and available repayment terms will vary based on your income. Fixed rates range from 3.47% APR to 13.03% APR (excludes 0.25% Auto Pay discount). Variable rates range from 2.80% APR to 11.69% APR (excludes 0.25% Auto Pay discount). Earnest variable interest rate student loan refinance 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.

3 Sallie Mae Disclaimer: Click here for important information. Terms, conditions and limitations apply.

4 Important Disclosures for Edly.

Edly Disclosures

1. Loan Example:

  • Loans from $5,000 – $20,000
  • Example: $10,000 IBR Loan with a 7% gross income payment percentage for a Senior student making $65,000 annually throughout the life of the loan.
    • Payments deferred for the first 12 months during final year of education.
    • After which, $270 Monthly payment for 12 months.
    • Then $379 Monthly payment for 44 months.
    • Followed by one final payment of $137 for a total of $20,610 paid over the life of the loan.

About this example

The initial payment schedule is set upon receiving final terms and upon confirmation by your school of the loan amount. You may repay this loan at any time by paying an effective APR of 23%. The maximum amount you will pay is $22,500 (not including Late Fees and Returned Check Fees, if any). The maximum number of regularly scheduled payments you will make is 60. You will not pay more than 23% APR. No payment is required if your gross earned income is below $30,000 annually or if you lose your job and cannot find employment.

2. Edly Student IBR Loans are unsecured personal student loans issued by FinWise Bank, a Utah chartered commercial bank, member FDIC. All loans are subject to eligibility criteria and review of creditworthiness and history. Terms and conditions apply.

5 Important Disclosures for Citizens Bank.

Citizens Bank Disclosures

  • Variable Rate Disclosure: Variable interest rates are based on the 30-day average Secured Overnight Financing Rate (“SOFR”) index, as published by the Federal Reserve Bank of New York. As of September 1, 2022, the 30-day average SOFR index is 2.23%. Variable interest rates will fluctuate over the term of the loan with changes in the SOFR index, and will vary based on applicable terms, level of degree and presence of a co-signer. The maximum variable interest rate is the greater of 21.00% or the prime rate plus 9.00%.
  • Fixed Rate Disclosure: Fixed rate ranges are based on applicable terms, level of degree, and presence of a co-signer.
  • Lowest Rate Disclosure: Lowest rates are only available for the most creditworthy applicants, require a 5-year repayment term, immediate repayment, a graduate or medical degree (where applicable), and include our Loyalty and Automatic Payment discounts of 0.25 percentage points each, as outlined in the Loyalty Discount and Automatic Payment Discount disclosures. Rates are subject to additional terms and conditions, and are subject to change at any time without notice. Such changes will only apply to applications taken after the effective date of change.


    Undergraduate Rate Disclosure: Variable interest rates range from 3.25%-10.35% (3.25% – 9.69% APR). Fixed interest rates range from 4.24% – 10.59% (4.24% – 9.93% APR). 

    Graduate Rate Disclosure: Variable interest rates range from 3.75%-9.90% (3.75% – 9.68% APR). Fixed interest rates range from  5.22% – 10.14% (5.22% – 9.91% APR). 

    Business/Law Rate Disclosure: Variable interest rates range from 3.75%-9.35% (3.75% – 9.16% APR). Fixed interest rates range from 5.20% – 9.59% (5.20% – 9.39% APR).

    Medical/Dental Rate Disclosure: Variable interest rates range from 3.75%-9.02% (3.75% -8.98% APR). Fixed interest rates range from 5.18% – 9.26% (5.18% – 9.22% APR). 

    Parent Loan Rate Disclosure: Variable interest rates range from 3.25%-9.21% (3.25% – 9.21% APR). Fixed interest rates range from 3.96%-9.50% (3.96%-9.50% APR).

    Bar Study Rate Disclosure: Variable interest rates range from 6.58%-11.72% (6.58% – 11.62% APR). Fixed interest rates range from 7.39% – 12.94% (7.40% – 12.82% APR). 

    Medical Residency Rate Disclosure: Variable interest rates range from 5.67%-9.17% (5.67% – 8.76% APR). Fixed interest rates range from 6.99% – 10.49% (6.97% – 10.08% APR).

6 Important Disclosures for Funding U.

Funding U Disclosures

Offered terms are subject to change. Loans are made by Funding University which is a for-profit enterprise. Funding University is not affiliated with the school you are attending or any other learning institution. None of the information contained in Funding University’s website constitutes a recommendation, solicitation or offer by Funding University or its affiliates to buy or sell any securities or other financial instruments or other assets or provide any investment advice or service.