Study.com Review | Considering WGU? WATCH THIS FIRST! Transfer Credits From Study.com!
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- čas přidán 25. 07. 2024
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📚 WGU to Study.com Course Mappings (25% Discount) 📚
docs.google.com/spreadsheets/...
In this video, I'm going to talk about how you can use Study.com to transfer credits into WGU before starting your program. This can potentially save you a lot of time and money on completing general courses, as well as relieve some of the emotional burden as well as reduce some up front costs as you are adjusting to the distance learning model.
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Study.com Review | Considering WGU? WATCH THIS FIRST! Transfer Credits From Study.com!
0:00 Intro
1:38 Introduction to SDC Platform and Accreditation
2:10 Transferable Schools
3:10 SDC Transcript
4:00 WGU Course evaluation sheet
5:10 SDC to WGU Transfer Equivalency Spreadsheet
7:20 Course Overview (Passing Grade, etc.)
10:30 How long do the courses take?
10:56 Cost of SDC
12:30 Finish WGU Fast!
14:00 Outro
About SDC, and How you can use Study.com to transfer credits into WGU
Not only WGU,
Next we'll go over the learning format
I'll be covering how to check if your particular school accepts credit from SDC
Next, I'll talk about the cost of SDC
Finally I'll discuss a strategy and process that i'd recommend for transferring credits into WGU.
Study.com is basically an online learning platform where you can go to take classes either for fun, or to earn credit that you'll use to transfer into colleges such as WGU.
Show WGU transcript sheet
Show spreadsheets for WGU General and WGU CompSci
#ambassador #sponsored #StudyAmbassador #study.com
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DISCLAIMER: This video description has some affiliate links and I may receive a small commission. I only share stuff that I use and believe in. Thanks so much for your support 🥺
❗In order to get the 30% discount, you have to click the link below. Study[.]com is deprecating discount codes! ❗
study.com/?adkey=182b5d3d0aeb4089a701f9c3f876bddb
code expired last month :(
Oh ok I'll try the link. Many thanks!
After going to the website and seeing you inserted yourself in place of the picture on the main page, coming back to this video is hilarious.
Bro, you appeared in my life at the right time! God bless!
Hey Abrar, heck yeah, glad to hear it lol
Same for me as well!
Same
Same
Bro INVALUABLE insights. Not just this video but all your content. Thank you so much for putting this content out there. You're literally helping myself and others take control of their futures, careers, and lives. Will be supporting on patreon.
Also, that thumbnail lol 😂😂😂
Hey Edward, glad you find my content useful, really glad to hear it!! And THANK YOU for the support, REALLY appreciate it🥺. Also lmao about the thumbnail. When I showed it to my friends, a lot of them didn't even notice what I did. It's really funny if you look at the original picture from the study[.]com homepage lmao
Thanks so much for the code Josh. It saved me a lot of money!
Your videos are always a blessing at the right time. God bless you.
I’m soooo glad I ran into your channel. Insightful. Clear. And your energy is awesome! I appreciate you!
Thank you so much, I really appreciate that :). Thanks for taking the time to comment too!
Your video has helped so much . Thanks for blazing the path !
Shoot, I'm glad to hear it!!! Thanks so much for watching :)
New to finding your channel and all the information is sooo helpful and valuable especially to a person just starting out such as myself. Keep up the great work and thank u!
Hey, glad you've found it useful! thanks so much for watching! Appreciate it :)
U helped motivate me I feel like most people don’t go to university because it cost u thousands of dollars and a good portion of American citizens are left with debt after this is a cheap affordable way to earn credits and save me money and time it seems like I’m not they only one u have helped I see the comments on all your vids and u really saved a lot of people from working at a Walmart their whole life I’ve been looking into it because of u it seems like they are high in demand especially in other countries in Japan for example because of the population decline they are asking foreigners to come and work for them .
Man I can’t thank you enough. Thanks to you I have the motivation and confidence that I can get a degree without haven’t to grind 4 years. I’ve been wanting to get into IT for so long but i don’t have the money or time for a 4 year university. Then you show up with this info. I instantly subscribe
Thank you so much!! And thank you for subscribing! I was in the same boat. MISS ME with that 4 years down the drain, haha. Best of luck, and thanks again!
Extremely helpful. Thanks for taking the time developing that excel sheet.
No problems :) Glad it helped
Thank you ! Josh ! Trying to help brother get into it ! This is great !
No problems!! Thank you so much for watching :)
This is just AWSOME!! THANKS!!
Thank you for giving & sharing helpful information ( Blessings to you)…. Thank you 🙏🏽
Your video was SUCH a major help to me, and your on-screen presence is so calming- thank you! 👏🏼
Hey Christine! I’m glad it was helpful, and thanks so much for the nice comment 🥺🥺. I appreciate you watching!
Great content and advice! Definitely need more people like you in the world that genuinely just want to help people to achieve a better future!
Thanks so much, really appreciate the kind words. I'll keep doing my best, haha
Thank you so much Josh! This was so helpful and made getting my bachelor's a lot less stressful. Thanks for sharing!
Hey Brandi! Glad to hear it! Best of luck with your studies and the Bachelor's :)
Really invaluable stuff thanks! Didn’t know we could take classes online and use to transfer. I didn’t do too well in my younger years in college so this is really helpful. GE always ax requirement, but makes sense since we learn theory for a well rounded education.
Bro I don’t know where to start but may God bless you for what you are doing for many people here.
Wow, Josh, it is a great resource for students planning to attend WGU. Thank you so much!
Hey Banjamin, NP! And thanks for watching!!
I feel very fortunate to have found your channel, I wish you a ton of success.
Hey O ram! Thank you very much! I really appreciate it! Best of luck to you as well :)
This is amazing information. Thank you so much!!!
Wanted to say thanks for all of the amazing info. Signed up today and your discount code made it possible!!
Super! And no problem! Thanks for letting me know :)
The best thing about this is the THUMBNAIL brooo XD Amazing content thank you for sharing, across the board.
Lmao. Thank you for noticing the thumbnail 😂
I’m considering going to WGU and I’m so happy that your channel came to my life. So many things I wish I knew back then to get my degree.
how's it going so far at WGU? I'm considering applying as well
Thank you so much ...this is game changing !!!
Thank you. This answered my question on whether I would register at WGU first. Logically that would be the first step, but I was unsure if by registering at WGU first you would be obligated to start at WGU right away. I wish I had found out about WGU years ago, it would have saved a lot of time.
Love the outpour of content Josh! Currently preparing to pre-game and planning for WGU CS degree.
Heck yeah! Congrats on that. I def don't regret getting the CS degree. It was tough, but I'm glad I did it. Good luck with it :)
@@JoshMadakor how long does it take to complete the courses on average?
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www.patreon.com/joshmadakor - Any support greatly appreciated!!
That hat is dope. Thanks for the tips. Definitely going to utilize this strategy.
No problem! Thanks for watching, really appreciate it!
Thank you for the information, truly helps. May God bless you!
Thanks so much!! Appreciate you watching!!
Just saw your video and I am planning to attend WGU. Thank you so much for this, much respect ✊
Glad it was helpful! Good luck at WGU! I don't regret going there at all!
I've never heard of this before. I'm going to make sure that I check this out.
For sure! It's pretty good tbh.
Great money saving tips. Thank you Josh.
No problems! Glad it was useful :)
WELL DONE!! Thank you!
Great information and very helpful!! Thank you 🙂
Oh you watched it already, haha! Glad it was helpful :)
Dude...you are a blessing! Thanks for everything you do!
My pleasure! I appreciate you watching. Thanks so much!
Thank you!❤❤❤ you are the best!
Thanks, you're brilliant! Also, where did you get that hat? I need it for my roommates birthday gift. 👀👌
This video was so helpful!
Hey Josh! Thank you so much for this informative video. I would appreciate it if you please gave me some advice here. I've dropped out of my Associates degree in Information Security. Can I still use the credits I have earned when in the degree to use towards the bachelor's at WGU or you recommend do a fresh start?
I literally asked the WGU counselor about this and I was like...I hope Josh makes a video about this so I can figure this out. THANK YOU!
THE ONE AND ONLY MCLEAN
Great! Good timing haha, I'm glad I could make something useful :P
the counselor wants you to spend money at their school lol
I asked my counselor too, and he strongly recommended me take the courses at WGU.
You are a legend man. This is such amazing information.
Thank you Sir!! Appreciate you watching!
Thank u!!! U just saved me a lot of money!!! Thank u so much!!!!🎉🎉🎉🎉🎉🎉🎉🎉🎉
Yay, no problem! Thank you for commenting!
Great information. Thank you!
Glad it was helpful!!! 😌😌😌
Hey Josh! I just used your code to sign up. Thank you so much. New subscriber here. It was easy to sign up and the platform seems user friendly. Thank you!
Hey Nicky! thanks so much for subbing, super super appreciate it! I really enjoyed my experience with SDC, I hope you do too hehe. thanks again, and thanks for commenting too!!!!
@@JoshMadakor anytime.
where do the allow you to enter the code?
Sweet baby Jesus, I am glad I found you. I want to streamline my degree, im 40 yrs old, retired from the army at 32, and now I am rushing myself to finish. No reason to rush, I want to accomplish my goal before my youngest starts kinder.
How do you know which Sophia and Straighterline classes apply for each class. I love your channel man and I'm really thankful that you would take the time to make these videos to help us out.
Hey Andres! If you go here: partners.wgu.edu/
You can see on the right the different colleges you can transfer credits from. Click on "Sophia" for example, then select your program, and it should show a mapping of courses. Hope this helps :)
Oh make sense thank you,been trying to get answers on how to pay for the class plus I will definitely use your discount code.
Super! Glad it was useful. Thanks so much, I appreciate you using the code, hehe
Were you able to find a place to input the code?
@@SydSkids I haven't sign up as yet, I will soon.
im view 20k ayyyyyyy. just started BSNOS course today. Thank you so much for your guide, i may have never decided to go without it
Glad to hear it! And congrats on being view #20k, didn't think this one would get so many views, haha.
Thank you Josh!
Thanks Daniece! Appreciate you watching!
Thanks for making this
Josh you are the GOAT!!!
Is this content like what transfers to WGU still relevant? Because this is really something I am very interested in. Also great videos! Keep up the good work!
Hey Josh, thanks for the tips
No problem! Thanks for watching!
Josh.... My wife and I just applied to WGU cloud program with helped of your videos. Great tips.... Again thanks.
Amazing! Thank you
Hey Faith Np, thanks for watching!
Thank you for the video.
No problem! Hope it was useful :p
Thanks so much!!!
🖥 Break into IT in ~3 Months with my Hands-On Practical Course! 🖥
coursecareers.com/explore/it/ref/18242/
Thank you!
Thank you so much for this amazing video!! I couldn't find the last CS transfer plan link, can you please add it to the description.
thank you!!
Here you go: docs.google.com/spreadsheets/d/1SHtCCKJafxrTJiB-59s8GOAn2J4b1dqCDjm-iurA9oU/edit#gid=638724391
Thanks so much, I really appreciate your comment!
Very very helpful!!!
I'm so glad to hear it
Thank you bro for your wisdom thank you again
No problems! Thank you for watching and taking the time to comment :) Appreciate it!
Can you do a video on the test portion like do need a webcam do they watch you how many questions are their etc
@@JoshMadakor Can you do a video on the test portion like do need a webcam
Wow you are awesome!!
Love this.
Thanks for watching! I wish I knew about SDC sooner :p
You're the 🐐, does wgu accept financial aid?
Thanks brother
thank you so much.
You're welcome! Appreciate you watching :)
Damn. I messed up. I should’ve looked into this before starting my term
I know right? It's amazing, I wish I knew sooner too :(
Thanks!
Wow! Thanks so much, I really appreciate that!!!
😮WOW! Thank you so much. I’ve watched so many of these videos from others and all it did was left me confused, overwhelmed, stuck, lost, and frustrated. This video is right to the point and you explained it sooooo clear for me and very thorough. I totally understand now. I will be getting BS Healthcare Management from WGU👍🏼My goal is to get my bachelors in one year or less from WGU because I want to move on and apply for law school ASAP!! Law school which is my long-term goal is to become an Attorney here in GA. I’m sooo happy for your walk-thru👍🏼 Hugs!🤗 WGU is a legitimate degree? Law school will accept? Btw, are you married?!?!😉LETS BE FAIR!
Fair
Lol 😅❤
@@janellemcleod …WHAT?!?! 🤷🏻♀️😂👍🏼
Lmao I’m so glad the video helped out. If you’re wondering I’d the wgu is transferable to law school, ultimately, you have to check with your target school. I would personally write down a bunch of schools you’d be okay going to and just check them all at at the same time haha. WGU has a list of graduate schools wgu students have been able to transfer to, but still recommend double checking with your school of choice: www.wgu.edu/alumni/career-support/education-and-professional-paths.html
Haha, I am legally married, technically speaking, lol 🤗
Lmao
Too bad I did not know about this last month. I start WGU in 6 more days. At least I have to pay zero dollars out of pocket. My wife is currently making $90k a year as a nurse. She is thinking about switching to cyber security and your videos are gone help her graduate faster thanks to you.
Best of luck to both of you guys! I really appreciate you watching and taking the time to share your guys' plans :). GL!
Why she would switch to cyber security if she’s making 90k? If u don’t mind me asking, I am a new graduate nurse.
@@nathanmikewinchesterchevri370 She saw over 300 job posting in our area for cyber security and a lot of them pay over $110,000 plus tons of them had options to work from home. Also, most nurses are kind of lazy. My wife year after year is usually the only nurse that ever gets a raise every year compared to the other 30 nurses that work on her floor.
How's WGU going so far? I'm thinking of starting soon.
How’s WGU? Update please
I want to do this as I self taught for web developer. I want to do the computer science tracl but I might just do the web development track because I suck at math. Me passing calculus is laughable. I'm 37 and have not taken a math course in 15 years. I would like to have a degree by 40. I gave up on college. I impish I knew about this at least a year ago and it took me 2 years because I went into 2 different bootcamps and quit and started again with a training website
God bless you soo much
Again, I really appreciate you making these videos.
I have a few questions, if you feel comfortable answering them. If not, that is ok too.
1. Do you feel as though jobs may look at you different from getting degrees in such a short time? Or do you feel like the time it takes to get the degree isn't relevant? I know people have their stigma about not going the for the degree as long as you do traditionally, but honestly, I wouldn't even be considering a degree if it wasn't for a place like WGU. Does "start date and graduation date" come into conversion of the interview when they ask about your degree, and how do you go about that? I am hoping to avoid that conversation if the stigma is as big as the internet makes it seem.
2. With all the degrees that you've obtained at WGU (and I know that you have years of experience behind it), but do you notice a significant increase in income due to those degrees? Do you also see a faster response from jobs after applying? And I guess that will lead me to: do you think while in pursuit of the degree, that companies are more likely to respond to you rather than if you weren't attending WGU at all? I already have the experience (will be doing the Bachelor's for Cloud Computing) but it seems that I will need the degree just to get the doors somewhat open for me. Due to my name being Pharaoh, I probably get to face some name discrimination behind the scenes; however, I would like to cross off all the check marks I can to increase my chances of getting the jobs.
I still plan on going to WGU regardless and will start my classes on December 1st instead of November 1st, so I can transfer as many credits as possible. But I just wanted to ask you because you have more clarification, and my friends who went to college, graduated a long time ago (and also not in tech). I didn't know if there would necessarily be a difference since that scenario is a different career field. My counselor has also told me one thing, yet another counselor I spoke to (since he was unavailable) had some contradicting answers to what I had originally been given. It reminded me of the stress that I remember feeling when trying to apply to college straight out of high school lol.
Thanks again, for whatever info and help you can relay, Josh.
Sorry, one more question! Was it hard for you to correlate the classes on the excel sheet for what's needed in the degrees? Depending on how this goes, I plan on doing the MBA Information Technology Management, Data Analytics, or the MS Information Technology Management. (Especially since the MBA and MS ITM is 10/11 courses). The Data Analytics would be great too, but probably not "as easy".
he actually has a video on the subject of question one
Hey Pharaoh!
1. I haven't really had any problems with my WGU degrees, the timeline RARELY comes up. It has only come up once in my lifetime and it was my coworker asking me about it after I was already hired. It's never come up in interviews. On my resume, I don't put "from" dates, I only put the date that I graduated. When I'm forced to put a "from" date on a job form or something, I will just be truthful and put it in. Even for my MS, which i finished in 12 days, lmao. I wouldn't say there is any stigma associated with it since IT doesn't even require degrees in the first place--they are just kind of an extra icing on the cake. Skill/exp is usually paramount.
2. I get a LOT of job spam from recruiters. Usually more than one per day. I'm not 100% sure if I can attribute it to my degrees, or my experience, or what, but it's likely a package deal between all those things and keyword hits on my resume/linkedin profile. Also, the thing you said about your name...My actual name is "Nnamdi" but I don't go by it because it's so foreign and people (as well as myself) don't even know how to pronounce it. Discrimination is real, that's partially why I go by Josh and don't even put my legal name on my resume. I actually had a coworker named Mohammad that changed his name to a super American sounding name to avoid the discrimination. I'm hoping it becomes less and less in the future, but we'll see. Btw, I'm not telling you to get a nickname lol. I'm just acknowledging the concern :)
Thanks so much for taking the time to comment, and thanks for coming to the streams :)
It wasn't hard! WGU has a site for this: partners.wgu.edu/
Just look on the bottom right for "Study.com", then it shows all the different degrees/courses with the equivalent Study.com classes
@@JoshMadakor
Thanks for getting back to me, again!
I think for me, they are probably more likely to ask how long I've been attending since I plan on applying to some positions while in pursuit of the degree. Kinda hoping not, because I don't want them to think I'm a "beginner". It's been a conundrum of "we want you to have a degree" vs "we want you to have skills." So, now I will have both (hopefully really soon) and I hope there won't be an excuse not to hire me. (Although, I think it's weird going into an interview and then being told that. It's not like it's a surprise since they have my application and resume?) lol
I understand on the discrimination part. I was actually hoping you didn't have a story like that, but I'm happy that you shared. I don't want to pick a name, but I did anyway, because I don't have the luxury to wait for people to get over their discrimination. I currently use "Harvey", but it annoying now. Going on two years that I've been using it. Part of me feels like "if they don't want to hire me because of my name, then I don't want to work for them," but I can't really combat that scenario when I have bills to pay.
I don't plan on changing my name; however, if I did, it still wouldn't be anything that would make them choose me (probably anime related). But maybe once your foot is in the door, you can go back to your name? I'm hoping that's the case for me.
With that being said, if you have to show your degrees as proof, does it have "Josh" on it, or your birth name? And does it come into question? I would think it would be inappropriate for them to ask "why is it different" (some legalities somewhere, Title VII)
hi great content can u please make a similar google doc file with Sophia to WGU Equivalent courses? or how can one do this on their own?
Hey Saif! Go here: partners.wgu.edu/Pages/Partners.aspx
then scroll to the bottom left where it says, "Sophia Learning LLC". those are all the equivalent Sophia classes.
Hey Josh! Do you have the transfer list for the business management degree? I get an error when I click on the one on this link.
Hi Josh, would you happen to have a transfer list for an MBA in IT Management?
Hey Josh, as I see through the spreadsheet, there are only 35 courses listed but 38 courses are needed to complete the CS Degree. Did you submit any other certificates for the rest 3 courses or did you use any other site to take the classes?
Really appreciate you for this video!!
Hi! The Business Admin Management portion on your spreadsheet is not working. Is there any other way for me to view this? Thanks for the insight!
thank you so much for posting this! question... does the discount code only apply if you're a WGU student?
Nope! It’s just for study.com so any school is fine ^^
Going in with network and security +, does that except you from doing A+ or another comptia exam?
do you know where i can find the link that is in your google docs? because the only one i need the link is broken lol. & its not popping up anywhere else on their website (business management degree)
Thanks for the great content and tips. I am a respiratory therapist and starting WGU’s Cyber security degree program with no prior IT experience. Do you think getting the Google IT cert would be beneficial prior to starting WGU?
Hey Earl, it will definitely prime you a little bit for some technical concepts, so if you have the time and money, go for it. Also, I believe it satisfies a class in the BS Cyber, according to this chart: www.wgu.edu/admissions/transfers/transcript-request/transferable-certifications.html
Best of luck with the program, I hope it's fun!
@@JoshMadakor thanks man. Greatly appreciate what you do
Yes
Some of the courses are extremely long (College Algebra, Pre-Calculus, and Discrete Math) all took me 30-40hrs each to complete. Good thing is some of the lessons in one math class may transfer over to another, lowering the amount of quizzes needed to finish. The proctored exams are also no joke, lots of rules to follow about showing the room on video, making sure no one else is in the room or speaks to you, etc.
I feel you on the exams. Pretty troublesome and inconsistent hehe
Sounds good to me 30 to 40 as opposed to a couple months to complete a semester.
Hey Josh, I just tried signing up with your code for SDC and I'm getting an invalid code message. Did it change or did they maybe just do away with them all now?
Bro..Really knowledgable thanks
No problem! Thanks for watching :)
Hey Josh! In your opinion, is it more worthwhile to take "Business of IT - Project Management" outside of WGU or to take it with WGU and get the COMPTIA Project+ Cert? I have read from students that the COMPTIA Project+ exam can be very grinding and tedious. I don't want to waste time on the WGU course if it can be easily fulfilled elsewhere. Do you believe the certification is something that employers really care that much about? Thanks for any input you can provide!
Hey Jacob. It's hilarious that you asked this because I just mentioned this in a video a few days ago haha. Check this out @11:04 of this video: czcams.com/video/ZeejoMDjgb4/video.html
I would recommend taking it outside of WGU if you can. Hope this helps! 😂
@@JoshMadakor Oh great! Thanks so much!
the link for BS in business management is broken. is there a way we can get the classes that along with that?
I live on the east coast and want to attend a college on the east coast as well. Im having a difficult time finding 1 of these websites that are regionally accredited for the east coast.
do you know if they take expired certifications.
for example on expired CCNA or CCNP
also do they give credit-based on your resume or positions held
hey josh, thank you sooooo much for this!!! this may sound like a dumb question but looking at the transfer credit page on some of the courses is shows multiple classes you can take on like *((Accounting 101 (SDCM-0075), Accounting 201 (SDCM-0124), or Accounting 202 (SDCM-0152)) and ((Accounting 102 (SDCM-0076), Accounting 301 (SDCM-0077), or Accounting 303 (SDCM-0105)) for Principles of Financial and Managerial Accounting. am i supposed to take just one class or multiple classes in order to get the transfer credit? sorry a little confused.
Hey Sergio! You only have to do one of the courses! The one with the * next to it is the "recommended" one. This is what WGU says, hidden at the bottom of the page: "*This course is recommended for transfer credit." Hope this helps! Not a dumb question at all!
@@JoshMadakor thanks dude fr fr I’m legit getting my butt back into school and your tips and tricks totally made me what to get my MBA after I get my bachelors 😭
I totally just noticed this and kinda panicked thinking, do I have to take all these classes? Thanks for asking Sergio and answering the question Josh! I feel a lot better.
Accounting is a special case, you'll need to take Accounting 101 & Accounting 201 & Accounting 301 to get Fundamentals of Financial & Managerial Accounting through WGU. Be sure to speak with your enrollment counselor, but this is what mine told me.
WGU has grants and scholarships but I never see anyone discussing that in their videos when it comes to WGU...any tips or info on this would be extremely helpful I'm sure for many people...thanks
Hey, thanks! I haven't really looked into this too much, but I will probably look into this a bit more in the future and make a video on it :P
Hello Sir, Do you take proctored final exam before transfer to WGU?
How many classes will transfer over? Is there a limit?
Hey I need advice! So I know you stated you went to WGU and completed a B.S, in Computer Science and then IT. Were both B.S.? I thought about taking B.S. in Computer Science then M.S in Data Analytics. My career goal is to be in Data Science. Should I take this route? Or should I do a B.S in IT also just in case? Are there many hits for this career?
hey Josh do you register to WGU before starting the courses on the study website? or you do them before starting WGU? thank you for the videos!
Hey Cesar, you have to do the courses before enrolling in WGU. Once you start classes at WGU, you can't transfer any courses in :). I would recommend talking with an enrollment counselor first to get an idea for which courses you'll need to complete, then just complete the ones that you can from study.com!
@@JoshMadakor once you start at WGU you can't transfer more classes in ever? Or do you just have to wait until the second term starts?
@@JoshMadakor What do you mean by "finding out which courses you'll need to complete"? Don't you need to complete all of the courses required?
@@sgbskates I think it's ever --- EVER meaning, pertaining to the particular degree program you are working towards at the time.
The best thing about SDC is that the proctored exams aren't live, so you don't have to schedule. You can just do it whenever. As soon as you feel like it, you can just go on and do it.
is SDC easier/ shorter than just doing the classes at WGU? tough question to know for sure since I doubt many people have tried both but I'm curious...
Do I have to transfer the earned credits in the subscription time period, or can I transfer them after the subscription ends?