How to Transfer Grad Schools in 2026

by Imed Bouchrika, Phd

Co-Founder and Chief Data Scientist

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What can I expect from grad school transfer?

Deciding to transfer graduate schools is a complex process often driven by a need for a better academic fit, a change in research interests, or a desire for a different program environment. Unlike undergraduate transfers, this move is highly intricate, with implications for everything from credit transfer and funding to the very nature of your dissertation research. The process requires a strategic approach, as you must not only secure admission to a new institution but also navigate the administrative and academic challenges of leaving your current program.

Where can I work with a grad school degree?

Graduates with advanced degrees are highly sought after in numerous sectors that value their specialized knowledge and research abilities. In the private sector, individuals with master's and Ph.D. degrees often find lucrative opportunities in the technology and pharmaceutical industries. Their expertise is also highly valued in the world of consulting, where they provide strategic advice to companies on everything from finance and management to technology and sustainability.

Beyond the private sector, those with advanced degrees are essential to the success of public and non-profit organizations. Graduates with backgrounds in public policy or environmental science often secure positions in government agencies or non-profits, where they work to solve complex societal problems and shape policy. Their skills are also well-suited for roles in grant writing and program management within various non-profit fields.

How much can I make with a grad school degree?

Obtaining a graduate degree significantly boosts earning potential. According to the Bureau of Labor Statistics (BLS), the median weekly earnings for a master's degree holder are around $1,737, which equates to approximately $90,324 annually. This is a considerable increase compared to the $77,636 median annual salary for those with a bachelor's degree.

Over a lifetime, this salary difference can be substantial, as graduates with a master's degree typically earn hundreds of thousands of dollars more than those with only an undergraduate degree. The specific earnings of a graduate degree holder can vary widely depending on their field of study. Highly specialized fields tend to command higher salaries.

Popular College Degrees Worth Considering in 2026

Computer Science

A computer science program focuses on the theoretical foundations of computation and the practical application of software and hardware. Students learn about data structures, algorithms, programming languages, and a variety of subfields like artificial intelligence, cybersecurity, and software engineering. Graduates are equipped with the analytical and problem-solving skills needed to design and build technology systems. 

Business Administration

A Business Administration degree provides a broad understanding of how organizations operate. The curriculum typically covers core business functions such as accounting, finance, marketing, and management. This degree is highly versatile, as it provides students with a foundational skillset that can be applied to a wide range of industries and job roles. 

Management Information Systems (MIS)

Management Information Systems is an interdisciplinary program that bridges the gap between technology and business. Students learn to use information systems to solve business problems, improve processes, and support decision-making. Unlike a traditional computer science program, MIS places a greater emphasis on the strategic use of technology within an organization. 

Social Work

A Social Work program prepares students to help individuals, families, and communities overcome challenges and improve their well-being. The curriculum focuses on human behavior, social justice, and policy, teaching students how to advocate for vulnerable populations. Graduates are trained to work in diverse settings, from schools and hospitals to non-profits and government agencies. 

Nursing

A Nursing program is a rigorous, science-based curriculum that prepares students to provide direct patient care. Courses include anatomy, physiology, pharmacology, and clinical practice, with a strong emphasis on health promotion, disease prevention, and patient advocacy. Nurses are at the forefront of the healthcare system, and a degree in nursing provides a clear path to a stable, in-demand career. 

What is the step-by-step process for applying to a new graduate school as a transfer student?

Transferring graduate schools requires careful planning and a thorough application process. Here is a step-by-step guide to help you navigate the process of applying to a new graduate school as a transfer student:

1. Research Potential Transfer Schools

The first step is to thoroughly research potential new schools and programs. Look for programs that align with your academic and career goals. It is also important to investigate each school's specific transfer policies, including:

• Transfer Credit Acceptance: The most critical factor is how many of your current credits the new school will accept.
• Admissions Requirements: Be sure to check for any specific entrance exams or minimum GPA requirements for transfer students.
• Program Prerequisites: Identify any specific prerequisites for your desired major to ensure you are eligible to apply.

2. Gather Required Documents

As with any graduate school application, you will need to collect several important documents. These typically include:

• Official Transcripts: You will need to request official transcripts from all previously attended institutions.
• Letters of Recommendation: Secure strong letters of recommendation from professors or mentors who can speak to your academic abilities and potential.
• Resume or CV: Prepare an updated resume or curriculum vitae that highlights your academic and professional experience.

3. Craft Your Personal Statement

Your personal statement is a crucial part of your application, and as a transfer student, it is your opportunity to explain your reasons for wanting to change schools. Be sure to:

• Explain Your Motivations: Clearly articulate why you are seeking a new academic environment and how the new institution aligns with your goals.
• Highlight Your Experiences: Reflect on your personal and academic growth, and how these experiences have shaped your aspirations.
• Tailor it to Each Program: If you are applying to multiple programs, customize your statement for each one. Some students choose to pursue dual graduate degree programs to gain expertise in two fields simultaneously.

4. Submit Your Application

Once you have all your materials ready, it is time to submit your application. Pay close attention to application deadlines to ensure you submit everything on time. Many schools have a specific application for transfer students, so be sure to use the correct form. This is also the stage where you will typically arrange for your previously earned credits to be transferred to the new program. In 2023, institutions approved 41.9% of graduate school applications.

5. Prepare for Interviews

Not all graduate programs require an interview, but if they do, it is important to be prepared. Research the program and faculty, and be ready to discuss your academic background, research interests, and career goals.

What are the common application requirements for graduate transfer students?

Based on the information from university admissions pages and application guides, here are the common application requirements for graduate transfer students.

Core Application Components

While specific requirements can vary between institutions and programs, graduate transfer applicants are generally expected to provide the following:

• Online Application: You will need to complete an online application form for each school. Many universities use platforms like the Common App for transfer students, which can streamline the process of applying to multiple schools.
• Application Fee: A non-refundable application fee is typically required upon submission.
• Official Transcripts: You must submit official transcripts from all colleges and universities you have previously attended, even if you were only there for a short time or transferred credits between them.
• Personal Statement or Essay: This is a critical part of your application. You'll need to write a compelling essay that explains your reasons for transferring and details how the new program aligns with your academic and career goals.
• Letters of Recommendation: Most graduate programs require letters of recommendation. These should come from mentors or professors who know you well and can speak to your academic capabilities and potential for success in a new program. One-year master's programs can be an option if you want a fast-track to a new career. Learn more about 1 year masters.

Additional and Program-Specific Requirement

Depending on the university and your chosen field of study, you may also need to submit:

• Resume or Curriculum Vitae (CV): An updated resume or CV that outlines your academic history, research experience, publications, and relevant work experience is often required.
• Standardized Test Scores: While some programs may waive this requirement for transfer students with existing graduate-level coursework, others may still require official GRE or other standardized test scores.
• Prerequisites and Portfolios: Certain programs may have specific prerequisite courses that must be completed before you can be admitted.
• International Student Documentation: International transfer students may need to provide additional materials, such as evaluations of foreign credentials and proof of English language proficiency.

How many credits can I transfer to a new graduate program?

The number of credits you can transfer to a new graduate program varies significantly depending on the university and the specific program you're applying to. There is no universal policy, so the most important step is to check with the institution you plan to attend. However, here are some common rules and guidelines:

General Limits for Master's Programs

• Typical Credit Limits: Most master's programs will accept a maximum of 6 to 12 transfer credits from another institution.
• Percentage-Based Limits: Some universities may limit the number of transfer credits to a percentage of the total required for the degree, such as 20% of the program's total credit hours.
• "Fit" is Crucial: It's common for coursework from a previous institution not to "fit" with the new program's curriculum. The new school will evaluate your previous courses to ensure the knowledge gained is relevant. In 2023, universities offering high research doctoral programs accepted 49.9% of applications.

Policies for Doctoral Programs

Doctoral students may be able to transfer more credits, especially if they have already completed a master's degree. In some cases, a full master's degree can be transferred for a maximum of 30 graduate credit hours.

Common Requirements for Transferring Credits

For credits to be considered for transfer, they generally must meet the following criteria:

• The credits must be from a regionally accredited institution.
• The courses must be at the graduate level.
• You will likely need to have earned a minimum grade in the courses, often a "B" or higher.
• The credits cannot have been used to complete a previous degree. Learn about the easiest online graduate certificate programs.

The data on accepted graduate school applications in Fall 2023 reflects a positive trend for aspiring students. It data highlights the competitive, yet accessible, nature of graduate admissions.  

What are articulation agreements, and how do they affect my transfer credits?

An articulation agreement is a formal partnership between two educational institutions that simplifies the process of transferring credits from one school to another. These agreements are designed to create a seamless transition for students, ensuring that the coursework completed at one institution will be accepted and applied as you transfer grad schools.

Articulation agreements are beneficial to transfer students in several ways:

• Guaranteed Credit Transfer: The primary benefit of an articulation agreement is the assurance that the credits you've earned will be accepted by the receiving institution.
• Clear Pathway to a Degree: These agreements often outline a clear "transfer pathway," which is a curriculum that aligns with the requirements of a four-year college or university.
• Saves Time and Money: By ensuring that your credits will transfer, articulation agreements can save you both time and money.
• Automatic Acceptance: Some articulation agreements include a provision for automatic acceptance into the four-year institution, provided that students meet certain criteria, such as maintaining a specific GPA.

Types of Articulation Agreements

Articulation agreements can vary, but some common types include:

• Program-Specific Agreements: These agreements are tailored to specific majors or programs, laying out the precise courses that will transfer from one institution to the other for that particular field of study.
• Guaranteed Admission: In this type of agreement, the four-year institution agrees to admit any student from the two-year institution who meets a set of predetermined requirements, such as completing a certain number of courses or achieving a minimum GPA.
• Dual-Enrollment Programs: These agreements are often for high school students who take college-level courses while still in high school, allowing them to earn college credit that can be transferred.

While articulation agreements are most common between community colleges and four-year universities, they also exist between four-year institutions and universities offering graduate degrees. If you are planning to transfer, it is always a good idea to check if your current school has an articulation agreement with the institution you wish to attend. If you're looking for a good deal, many affordable online masters programs can save you money.

Can I get financial aid as a graduate transfer student?

Yes, you can absolutely get financial aid when you transfer grad schools. However, it's important to understand that your financial aid package from your previous institution will not automatically transfer with you. You will need to reapply for aid through your new school.

Types of Financial Aid for Graduate Transfer Students

As a graduate student, you'll be considered an independent student, meaning your eligibility for federal aid is based on your own financial information, not your parents'. The most common forms of aid include:

1. Federal Direct Unsubsidized Loans: These are the most common type of federal student loans for graduate students. You are responsible for paying all the interest that accrues on the loan, including while you are in school.
2. Federal Grad PLUS Loans: If the Direct Unsubsidized Loans do not cover the full cost of attendance, you can apply for a Grad PLUS Loan. This loan is credit-based and can cover up to the remaining cost of attendance, minus any other aid received.
3. Institutional Aid (from the University): This is often the most valuable type of aid and can include fellowships and scholarships, assistantships, and grants. Some experienced professionals pursue an executive masters for career advancement.

For graduate students planning their long-term careers, it’s also helpful to consider fields that offer strong financial returns. Exploring highest paying PhDs can guide your decisions about program selection and funding, helping you invest in a degree that maximizes both expertise and earning potential.

The infographic below can help you deal with credit transfer approval for your target grad school.

How does transferring affect my current student loans and funding package?

Transferring schools can have a significant impact on your student loans, and it's crucial to manage the process carefully to avoid unexpected repayment. When you withdraw from your current institution, your federal student loans' grace period may be triggered. This is a six-month period where you aren't required to make payments. However, if the gap between leaving your old school and starting your new one extends beyond this six-month window, you'll be required to begin repaying your loans.

To prevent this, you should ensure your loans are placed in in-school deferment once you transfer grad schools. Your new school's registrar reports your enrollment to the National Student Loan Data System (NSLDS), which should automatically notify your loan servicer. It's essential to verify that your new school has reported your status correctly by checking your account with your loan servicer or the Federal Student Aid website. Additionally, for unsubsidized loans, any accrued interest will be capitalized—or added to your loan's principal balance—if you exhaust your grace period during the transfer, increasing your total debt.

You must formally notify your current financial aid office and academic department of your withdrawal. They will have a specific process you need to follow to close out your student account and funding.

For students seeking to continue their education without lengthy time commitments, exploring one year MPA programs online can be an excellent option. These accelerated programs allow you to earn a Master of Public Administration in just 12 months while managing other professional or personal responsibilities, providing a fast, flexible pathway to advance your career.

What factors should I consider when choosing a new graduate school to transfer to?

Choosing a new graduate school to transfer to is a significant decision that requires careful consideration of various factors. In fall term of 2023, around 1.2 million graduate students enrolled in public institutions, while only a third of that number enrolled in private colleges and universities.

Here are some of the most important aspects to keep in mind when choosing a new graduate school:

Academic Program and Specialization

• Program Alignment: The primary reason for transferring should be to find a program that is a better fit for your academic and career goals. Ensure the new program offers the specific specialization you are interested in.
• Faculty Expertise: Research the faculty in your potential new department. Look for professors whose research interests align with yours, as they can serve as mentors and advisors.
• Curriculum: Review the course requirements and curriculum to see if it matches your interests and will help you develop the skills you need for your future career.

Transfer Policies and Credits

• Credit Transferability: One of the most critical factors is the university's policy on accepting transfer credits.
• Transfer Process: Investigate the school's graduate transfer process.

Financial Considerations

• Tuition and Fees: The cost of attendance can vary significantly between institutions. Be sure to look into the tuition and fees at your potential new school.
• Financial Aid and Funding: Inquire about financial aid opportunities for transfer students, including scholarships, fellowships, and assistantships.
• Cost of Living: If you are moving to a new city, research the cost of living to ensure it is within your budget.

University Culture and Resources

• Campus Environment: Consider the overall culture of the university and whether it is a good fit for your personality and learning style.
• Student Support Services: Look into the resources available to graduate students, such as career services, writing centers, and mental health support.

For students who wish to pursue the highest level of education without relocating, it’s also worth exploring how to get a doctorate online. Many accredited institutions now offer fully online doctoral programs, allowing students to complete coursework, research, and even some dissertation requirements remotely while balancing professional and personal commitments.

In Fall 2023, graduate student enrollment was significantly concentrated in public institutions, with a smaller proportion of students attending private universities. The provided chart illustrates this trend, showing that public institutions enrolled over twice as many graduate students as their private counterparts. 

How does the process of transferring differ for PhD students compared to master's students?

While the administrative steps of applying to a new institution are similar, the process and complexity of transferring for PhD students are significantly different and more challenging than for master's students. The core differences stem from the nature of the programs, the role of research, and the relationship with a faculty advisor.

Here is a breakdown of the key distinctions:

For Master's Students: A More Straightforward Path

Transferring a master's program, while not simple, is a more common and structured process. The focus is primarily on coursework and credit transfer.

• Emphasis on Coursework: Master's degrees are generally course-based. The main concern for a transferring master's student is how many of their completed credits will be accepted by the new institution.
• Credit Transfer is Key: The decision often comes down to a straightforward evaluation of syllabi and course content to see if they align with the new program's requirements.
• Less Dependence on a Single Advisor: While master's students may have a program advisor, their academic progress is not typically tied to a single faculty member's research. This makes it easier to leave one institution and integrate into another.
• More Flexibility in "Fit": The reasons for transferring are often related to program focus, location, or career opportunities. These are generally well-understood and accepted by admissions committees.

For PhD Students: A Complex and High-Stakes Decision

Transferring a PhD program mid-stream is less common and involves a host of complexities beyond just transferring credits. It is often seen as a significant disruption to a highly specialized research track.

• Centrality of the Advisor-Student Relationship: The most significant difference is the deep, apprenticeship-like relationship between a PhD student and their research advisor.
• Research and Dissertation Progress: A PhD is centered on producing original research. If a student has made substantial progress on their dissertation, it can be very difficult to transfer that specific work to a new advisor and institution. The new advisor may have a different research agenda, leading to a loss of time and effort.
• Funding is Tied to the Advisor: PhD funding, especially for research-based assistantships, is often directly tied to the primary research advisor's grants. Leaving the advisor means leaving that funding behind, with no guarantee of a similar package at a new institution.
• Admissions Scrutiny: PhD admissions committees will view a transfer application with more skepticism.
• Common Reasons for Transferring are Unique: The most accepted and seamless reason for a PhD student to transfer is when their advisor moves to a new university and the student moves with them. A great option for seasoned educators looking to advance their career without leaving their current job is the online PhD in higher education.

What are the implications of transferring for my dissertation research and progress?

Transferring graduate schools, especially during the dissertation phase, can significantly impact your research, funding, and timeline. The most substantial challenge is the near-total reset of your academic progress. Unless you are following your advisor to a new institution, you're essentially starting your dissertation from scratch. 

From 2017-18 to 2022-23, the number of awarded doctoral degrees reached 3.7%.  This increase indicates that more students are completing doctoral programs. However, for a student considering a grad school transfer, this data point underscores the high stakes of a doctoral program, where the ultimate goal is not just admission but successful completion.

Your new university, department, and advisor have no obligation to accept any of your previous work. This reset has several major implications: your advisor and committee will change, your prior research is often not portable, and significant delays to your graduation are almost inevitable.

For students interested in library and information science, there are also flexible options available that minimize traditional admissions barriers. Programs like masters in library science online no GRE allow applicants to pursue graduate-level education without the requirement of standardized tests, making it easier to continue your studies even while navigating complex transitions like transferring schools.

Implications Based on Your Current Dissertation Stage

Stage 1: Pre-Proposal (Coursework/Early Exploration Phase)

The implications of transferring are highly dependent on your current stage of research. If you're in the pre-proposal phase, before you've formally started your dissertation, the transition is the least disruptive, though still challenging. While you will lose time and credits, you won't be losing established research. The process can be framed as finding a better academic fit before committing to a dissertation topic. However, you will still need to find a new advisor and may need to retake comprehensive exams.

Stage 2: Post-Proposal / Data Collection Phase

Transferring during the post-proposal or data collection phase is extremely risky. In this stage, you have invested considerable time and resources into your research. Your new institution will likely not accept your previous work, which means you could lose the time and resources you've already invested. This is because your new committee will need to approve a new proposal, potentially requiring a complete change in your research question and methodology. Furthermore, your current data may not be usable, especially if it was collected under a specific IRB protocol or through institutional resources that can't be transferred.

Stage 3: Writing Phase

Moving during the writing phase is practically impossible, with one major exception. No new institution or advisor will be willing to sign off on and award a PhD for research they did not supervise. A dissertation is the culmination of a long mentorship and research process, and a new department cannot vouch for work done elsewhere. The only common exception is a "lift and shift," where your current dissertation advisor moves to a new university and you transfer with them. In this scenario, your progress is preserved, and the transition is primarily administrative.

The Best-Case vs. Worst-Case Scenario

The difference between the best-case and worst-case scenarios for transferring is stark. In the best-case scenario, your current advisor moves to a university that is a good fit for you and you can transfer with them, allowing your research to continue with minimal disruption.

The worst-case scenario is a falling out with your advisor, leaving you without a letter of recommendation. You cannot take any of your data and no new institution is willing to take a risk on a transfer student without a clear reason. You could be forced to leave your program with only a master's degree and have to reapply to other PhD programs from scratch.

Before making any decision, you must have frank conversations with both your current advisor (if possible) and any potential new advisors to clearly understand what, if any, of your progress can be salvaged.

The data shows a consistent increase in the number of graduate degrees and certificates awarded between 2017-18 and 2022-23. The most significant growth was seen in graduate-level certificates, followed by master's and doctoral degrees.

What are some common mistakes to avoid when transferring between graduate schools?

Transferring graduate schools requires careful planning to avoid common mistakes that can lead to significant setbacks. During the decision and research phase, many students make the mistake of fleeing a bad situation rather than deliberately moving toward a better one. Instead of focusing on the negatives of your current program, you should clearly define what you need in a new program, such as a specific research facility or a faculty member who aligns with your work.

You should also be proactive in investigating transfer credit policies, as many schools will only accept a small number of credits, or none at all, which could extend your time to graduation. Additionally, it's a good idea to research the new program's culture by speaking with current students to avoid transferring into another difficult environment.

During the application and departure phase, one of the biggest mistakes is burning bridges with your current professors and advisor. You may still need their help for letters of recommendation and professional references in the future, so remain respectful and professional throughout your departure. You should frame your move as a search for a better academic fit and thank your faculty for their guidance.

When you write your personal statement, avoid being negative about your current program. Instead, focus on how your experience has clarified your academic goals and how the new program is the ideal place to achieve them. Lastly, after you have transferred, it's crucial to be proactive in your new environment by immediately meeting with your new advisor and introducing yourself to your new peers. You should also be realistic about your timeline, as transferring almost always extends your time to graduation.

Could an Online Graduate Program be a Viable Alternative to Transferring Schools?

Evaluate your academic and career objectives alongside the rising availability of flexible online graduate programs. For many, a streamlined, accelerated path—such as the fastest online degree—offers a practical solution that avoids the challenges of credit evaluations and administrative transitions. Online programs may provide accelerated curricula, cost efficiency, and flexible scheduling that better align with professional and personal commitments. Consider these advantages in comparison with the complexities of transferring traditional graduate schools to determine the pathway that best meets your long-term goals.

Here's What Graduates Have to Say About Their Grad School Transfer

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