The practices of graduate schools in just about every state in the U.S. are just unfair. I started at one graduate program, and I picked it because at the time I was able to work and go to grad school. It was about only one of a few that didn't require full time study w/out work but it's been through an online program. I'm sorry but I had to have a job and insurance, how do they expect us to live without it? So, life throws some curves at you and say for instance, you end up with health issues. In my case, cancer issues. Now, I am no longer able to work full time so I thought at least I could apply to a local grad school program and save some money, concentrate on my health and getting done with my grad program. Surely, when you are not changing majors, earning the same degree, and have to get national certification in my field in which every student must meet the certain requirements and pass an exam for certification no matter where they are in the U.S., with all the classes essentially being the same, wouldn't you think that transferring would not be a big deal? Especially when it's college students in most cases, that are the ones paying for their own educations? Well, I thought so and found that it doesn't matter what happens in life, most grad programs will only allow you to transfer a set number of credits like at the most maybe 12, the majority of credits can't come from another university. So, I guess they expect that you should essentially start all over again in THEIR graduate program even if you've already taken most of the classes and spend even more money to get your education when in my case, I'm almost finished. Don't you think that with all the money we spend on grad school that we should have a say and when you have taken lots of classes, worked your butt off, and have good grades that should count for something? I do but I think it sucks that we can't do much about it. I started thinking what about if someone HAD to move, what if I had to move for better healthcare or a job, you mean to tell me people in these situations that have something suddenly come up out of their control have to essentially start all over and lose credit for all the work they've put into grad school? It's a pretty unfair practice to me.