Credit-Hour Load

USAO is committed to assisting students to complete a traditional four-year baccalaureate degree in no more than four years. Completion of 124 credit hours is required for graduation from USAO. Consequently, to graduate in four years without attending school during summers, a student must take at least 15 to 16 hours per term. This is a full load. Although federal financial aid regulations consider a load of 12 hours to be “full-time” in order to qualify for financial aid, 12 hours is simply not a “full load.” To encourage students to take a full load, USAO charges a flat rate tuition that entitles students to take 12 to 18 hours.

A 3.00 GPA and approval by the Registrar is required to enroll in more than 18 credit hours. The maximum credit-hour load is 22 hours in the fall and spring, 15 hours in the summer term.