Verified · Credit Policy

University of Pittsburgh at Bradford CLEP® Credit Policy

UPB accepts 38 CLEP® exams for transferable college credit. Here's every exam, its minimum required score, and credit hours awarded — plus the other credit-by-exam and prior-learning pathways available at this university.

CLEP® · 38 ExamsACE Accepted
How It Works

3 steps to earn
UPB credit via CLEP®.

Prep with TransferCredit
Pick your CLEP® subject. Our structured chapters and 500+ practice questions per course take you from zero to exam-ready in 4–8 weeks of part-time study.
Sit the CLEP® exam
90-minute exam at any College Board test center. Enter UPB's CLEP® code 2935 at registration — scores transmit to the Registrar automatically.
Credit posts to your transcript
Most students see credit on their UPB transcript within 2–4 weeks of exam transmission. No professor meetings, no final-paper panic — just credit.
The Exam List

Every CLEP® exam
University of Pittsburgh at Bradford accepts.

38 CLEP® exams organized by category, with the minimum score and credit hours awarded for each.

Note: These CLEP® scores and credit hours reflect the College Board standard. This institution is listed as accepting CLEP®, but specific minimum scores and credit awards were not published at the time of writing — verify with the Registrar before scheduling an exam.

Business

5 exams · up to 15 credits
ExamMin ScoreCreditsPrep
Financial Accounting603Start prep →
Information Systems603Start prep →
Introductory Business Law603Start prep →
Principles of Management603Start prep →
Principles of Marketing603Start prep →

Composition and Literature

6 exams · up to 18 credits
ExamMin ScoreCreditsPrep
American Literature603Start prep →
Analyzing and Interpreting Literature603Start prep →
College Composition603Start prep →
College Composition Modular603Start prep →
English Literature603Start prep →
Humanities603Start prep →

History and Social Sciences

12 exams · up to 36 credits
ExamMin ScoreCreditsPrep
American Government603Start prep →
History of the United States I: Early Colonization to 1877603Start prep →
History of the United States II: 1865 to the Present603Start prep →
Human Growth and Development603Start prep →
Introduction to Educational Psychology603Start prep →
Introductory Psychology603Start prep →
Introductory Sociology603Start prep →
Principles of Macroeconomics603Start prep →
Principles of Microeconomics603Start prep →
Social Sciences and History603Start prep →
Western Civilization I: Ancient Near East to 1648603Start prep →
Western Civilization II: 1648 to the Present603Start prep →

Science and Mathematics

7 exams · up to 21 credits
ExamMin ScoreCreditsPrep
Biology603Start prep →
Calculus603Start prep →
Chemistry603Start prep →
College Algebra603Start prep →
College Mathematics603Start prep →
Natural Sciences603Start prep →
Precalculus603Start prep →

World Languages

8 exams · up to 24 credits
ExamMin ScoreCreditsPrep
French Language Level I603Start prep →
French Language Level II603Start prep →
German Language Level I603Start prep →
German Language Level II603Start prep →
Spanish Language Level I603Start prep →
Spanish Language Level II603Start prep →
Spanish with Writing Level I603Start prep →
Spanish with Writing Level II603Start prep →
✉️
See something outdated? CLEP® policies, minimum scores, and credit awards can change. If you spot a discrepancy with University of Pittsburgh at Bradford's current policy, email team@transfercredit.org and we'll update this page.
Beyond CLEP®

UPB is an
ACE-aligned institution.

UPB is recognized on acenet.edu as an ACE-aligned institution. Beyond CLEP®, it may accept ACE-recommended coursework toward degree requirements. Acceptance of specific courses is determined by the UPB Registrar under its prior-learning policy; confirm before enrolling.

ACE · American Council on Education
ACE Credit
ACE evaluates non-traditional learning — corporate training, workforce programs, credit-by-exam — and recommends equivalent college credit. CLEP® exams themselves are ACE-reviewed. Colleges that are ACE-aligned often accept ACE coursework in addition to CLEP®.
Source: acenet.edu
NCCRS
NCCRS Credit
The National College Credit Recommendation Service, administered by the University of the State of New York, reviews non-collegiate coursework and assigns college-equivalent credit. Member institutions accept NCCRS-recommended coursework directly; non-member institutions often consider NCCRS coursework under their prior-learning policy. Either way, acceptance means NCCRS-recommended self-paced courses may count toward degree requirements.
Source: nationalccrs.org
How Your Credit Path Works

Two ways to earn credit.
Both count at UPB.

Most students pass their CLEP® on the first try. If you don't, your subscription unlocks the matching ACE/NCCRS self-paced course — with a retake-able final exam. Either route earns you transferable credit at UPB.

Watch how it works
📝
Step 1
Take your CLEP®
exam
Prep with chapters & 500+ questions
Outcome
Awaiting
result
Most students pass first try
🎟️
Safety Net
ACE/NCCRS
included
Self-paced · retake-able exam
Ready. Pass or not — you're covered.

ACE courses UPB may accept

Self-paced courses across the full gen-ed and major-requirement catalog. Each carries an official ACE or NCCRS credit recommendation — submitted to the Registrar like any transcript.

UPB is an ACE-aligned institution per acenet.edu. Acceptance of specific courses is determined at the Registrar's discretion — confirm before enrolling.

Business & Accounting

20 courses · 60 credits
Managerial Accounting 3cr Financial Accounting 3cr Business Essentials 3cr Principles of Management 3cr Foundations of Leadership 3cr Leadership & Organizational Behavior 3cr Business Communication 3cr Business Ethics 3cr Leading Organizational Change 3cr Project Management 3cr Business Law 3cr International Business 3cr Human Resources Management 3cr Globalization & International Mgmt. 3cr Entrepreneurship 3cr Microeconomics 3cr Macroeconomics 3cr Principles of Finance 3cr Financial Management 3cr Principles of Marketing 3cr

English, Writing & Humanities

7 courses · 21 credits
Advanced Technical Writing 3cr English Composition I 3cr English Composition II 3cr College Writing 3cr Humanities 201: Critical Thinking 3cr Art History I 3cr Art History II 3cr

Mathematics

9 courses · 31 credits
Business Math 3cr College Algebra 3cr Pre-Calculus 3cr Calculus 1 4cr Calculus 2 4cr Calculus 3 4cr Discrete Mathematics 4cr Quantitative Analysis 3cr Principles of Statistics 3cr

Computer Science & IT

22 courses · 66 credits
Current Trends in CS & IT 3cr Computer Concepts & Applications 3cr Introduction to HTML & CSS 3cr Introduction to JavaScript 3cr Ethics in Technology 3cr Introduction to Networking 3cr Fundamentals of Information Technology 3cr Introduction to Linux 3cr Introduction to Java 3cr Programming in Python 3cr Introduction to Computing 3cr Programming in C 3cr Programming in C++ 3cr Data Structures & Algorithms 3cr Network & Systems Security 3cr Cybersecurity 3cr Database Fundamentals 3cr Software Engineering 3cr Introduction to Operating Systems 3cr Introduction to Artificial Intelligence 3cr Database Programming 3cr Systems Analysis & Design 3cr

Health Sciences

8 courses · 20 credits
Medical Terminology 3cr Healthcare Finance & Budgeting 3cr Healthcare Organization & Management 3cr HR Management in Healthcare 3cr Anatomy & Physiology I 3cr Anatomy & Physiology I Lab 1cr Anatomy & Physiology II 3cr Anatomy & Physiology II Lab 1cr

Natural Sciences

5 courses · 13 credits
Introduction to Biology 1 3cr Introduction to Biology 2 3cr Chemistry I 3cr Physics I 3cr Environmental Science 1cr

Psychology & Social Science

11 courses · 33 credits
Introduction to Psychology 3cr Research Methods in Psychology 3cr Psychology of Diversity 3cr Educational Psychology 3cr Abnormal Psychology 3cr Psychology of Personality 3cr Advanced Social Psychology 3cr Ethics in the Social Sciences 3cr Introduction to Sociology 3cr Introduction to Criminology 3cr Principles of Philosophy 3cr

History & Languages

3 courses · 9 credits
U.S. History I 3cr U.S. History II 3cr French Language I 3cr
Why TransferCredit.org

The prep tool built for
UPB's bar.

UPB's minimum CLEP® scores run 60. Generic flashcard apps aim for "passing." We're built for acing.

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Structured chapters & subchapters
Not flashcards. Every subject is broken into chapters and subchapters mapped directly to the College Board exam outline — you learn the material, not memorize trivia.
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Readiness quizzes per topic
Short quizzes after each subchapter. Your readiness score tells you when you're actually ready for the target minimum — no guessing, no wasted exam fees.
500+ questions per course
Every subject ships with 500+ practice questions calibrated to real exam difficulty. Most students hit their target score in 4–8 weeks of part-time prep.
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ACE/NCCRS backup included
If CLEP® doesn't work out, your subscription unlocks the matching ACE/NCCRS course with a retake-able final exam.
Self-paced, no deadlines
Study on your schedule. Complete prep in 2 weeks or 12 — whatever works. Especially useful for adult learners, military, and working students.
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One subscription, every subject
Prep for 25+ CLEP® subjects under one plan. No per-course fees. At ~$29/mo vs. $300–600 per credit — the math is obvious.
Everything You Need

One subscription.
Everything unlocked.

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25+
CLEP® Subjects
College Board's most popular exams, covered in depth with official exam-outline alignment.
500+
Questions per course
Exam-calibrated practice tests with detailed explanations for every answer.
🎓
70+
ACE/NCCRS courses
Full catalog via partner — your CLEP® safety net and credit-direct path.
🧑‍🏫
Expert help
Subject-matter experts available when you're stuck on a concept or a question.
Student Reviews

50,000+ students.
Real results.

Hover to pause · updates daily

J
Josephine K.
CLEP® Precalculus
★★★★★
Returning student at 35. Precalc was where I'd stopped 15 years ago. Picked it up faster than expected. Passed with 55. Good enough.
D
David T.
NCCRS · Business Communication
★★★★★
My university is an NCCRS member so I went this route instead of CLEP®. Finished in under a month. Zero drama.
T
Tyler B.
CLEP® Introductory Sociology
★★★★★
Two weeks of solid study, one evening of cramming, passed with room to spare. The practice questions mirror the real exam format closely.
P
Priya K.
ACE · Managerial Accounting
★★★★★
Did the ACE course instead of CLEP® — took me 4 weeks, retake-able final was a huge stress reliever. Credit transferred cleanly.
E
Emily S.
CLEP® Analyzing Literature
★★★★★
Was terrified of lit exams. The chapter structure broke down every period and movement I needed. Passed with a 62 — above what I needed.
L
Lauren W.
ACE · Intro to Sociology
★★★★★
Failed the CLEP® by 4 points. Was crushed. Then I saw my subscription had the matching ACE course. Retook the final, passed, credit posted.
S
Scarlett W.
CLEP® German Level I
★★★★★
Heritage speaker, never studied it formally. Used the prep to learn grammar rules I'd never been taught. Passed easily. 6 credits.
C
Caleb D.
NCCRS · Financial Accounting
★★★★★
CFO at a nonprofit, no degree. NCCRS course and I was done in two weeks. They accepted my transcript within days. Finally, a solution.
J
Josephine K.
CLEP® Precalculus
★★★★★
Returning student at 35. Precalc was where I'd stopped 15 years ago. Picked it up faster than expected. Passed with 55. Good enough.
D
David T.
NCCRS · Business Communication
★★★★★
My university is an NCCRS member so I went this route instead of CLEP®. Finished in under a month. Zero drama.
T
Tyler B.
CLEP® Introductory Sociology
★★★★★
Two weeks of solid study, one evening of cramming, passed with room to spare. The practice questions mirror the real exam format closely.
P
Priya K.
ACE · Managerial Accounting
★★★★★
Did the ACE course instead of CLEP® — took me 4 weeks, retake-able final was a huge stress reliever. Credit transferred cleanly.
E
Emily S.
CLEP® Analyzing Literature
★★★★★
Was terrified of lit exams. The chapter structure broke down every period and movement I needed. Passed with a 62 — above what I needed.
L
Lauren W.
ACE · Intro to Sociology
★★★★★
Failed the CLEP® by 4 points. Was crushed. Then I saw my subscription had the matching ACE course. Retook the final, passed, credit posted.
S
Scarlett W.
CLEP® German Level I
★★★★★
Heritage speaker, never studied it formally. Used the prep to learn grammar rules I'd never been taught. Passed easily. 6 credits.
C
Caleb D.
NCCRS · Financial Accounting
★★★★★
CFO at a nonprofit, no degree. NCCRS course and I was done in two weeks. They accepted my transcript within days. Finally, a solution.
How TransferCredit.org Works

The policy,
in plain English.

We're credit-by-exam prep provider and offer ACE/NCCRS coursework via our partners — both pathways produce official records that feed into UPB's Registrar workflow like any other transcript.

The Product

What you get with TransferCredit

  • Structured prep content for 25+ CLEP® exams — chapters, subchapters, 500+ practice questions per subject
  • Access to 70+ ACE/NCCRS courses via partner network like UPIStudy — self-paced, retake-able final exam, no strict proctoring
  • Readiness tracker that tells you when to book the exam vs. keep prepping
  • Official transcripts issued through ACE Credit Registry (Credly) and NCCRS Official trnascript issued via the provider — same format any U.S. college accepts
  • Pass-or-pivot safety net — a CLEP® setback converts into access to the matching ACE/NCCRS course
The Transfer

How credit reaches UPB

  • CLEP® path: Enter UPB's code 2935 at test registration — College Board transmits scores directly to the Registrar
  • DSST path: Same mechanism using DSST code (confirm with Registrar)
  • NCCRS path: Complete the course, we issue an official NCCRS transcript, you submit it to the Registrar
  • Consolidation option: ACE/NCCRS credits can be merged into one transcript via Excelsior University's OneTranscript service
  • Credit typically posts 2–4 weeks after the Registrar receives your score or transcript
Which Pathway For You

CLEP®, ACE/NCCRS,
or community college?

Three legitimate ways to earn UPB credit without sitting in a 15-week university classroom. Here's the honest comparison.

⚡ Fastest
🎯
CLEP® Exam
Format90-min exam
Time to credit4–8 weeks prep
Cost$93 exam + prep
UPB acceptsYes · 38 subjects
RiskSingle high-stakes exam
Best for: Confident test-takers who want fastest turnaround and lowest cost per credit.
📖
ACE/NCCRS Course
FormatSelf-paced + retake-able final
Time to credit2–6 weeks / course
CostIncluded in subscription
UPB acceptsYes · Cooperating College
RiskLow · unlimited retakes
Best for: Students who prefer structured learning over high-stakes exams, or who didn't pass a CLEP® first try.
🏫
Community College
Format15-week semester
Time to credit4–6 months
Cost$300–600 per credit
UPB acceptsUsually · articulation agreements
RiskLow · familiar format
Best for: Students who want a traditional classroom experience and are not time-constrained.
About University of Pittsburgh at Bradford

UPB
in brief.

The University of Pittsburgh at Bradford is a public campus of the University of Pittsburgh located in Bradford, Pennsylvania. It is one of the University of Pittsburgh's regional campuses and serves students in northwestern Pennsylvania and the surrounding area. The campus offers a residential college environment in a small-town setting.

UPB offers undergraduate study in a range of liberal arts, sciences, and professional fields. The campus is known for its small-campus atmosphere, close faculty interaction, and opportunities for hands-on learning. As part of the University of Pittsburgh system, students can also benefit from access to broader university resources.

For CLEP and transfer credit purposes, the University of Pittsburgh at Bradford follows University of Pittsburgh policies rather than a separate independent college system. Credit-by-exam and transfer credit decisions are handled through university academic policies and evaluation processes, so acceptance depends on the specific exam, score, course equivalency, and degree program. Students should consult the campus and university transfer-credit guidance before relying on any exam for degree progress.

Registrar and credit procedures at UPB are managed through the University of Pittsburgh's academic records and registration systems. Course registration, transcript processing, and credit evaluation are tied to university policy, and students typically work with academic advisors and the registrar for questions about transfer work, advanced placement, and other forms of prior learning credit. Because policies can vary by program and change over time, official university sources are the best reference for current requirements.

38
CLEP® Exams Accepted
2
Credit Pathways
114
Max CLEP® Credits
Quick Highlights
  • Public campus of the University of Pittsburgh system
  • Small-campus setting in Bradford, Pennsylvania
  • Undergraduate-focused programs in liberal arts, sciences, and professional fields
  • Transfer and exam credit are evaluated through University of Pittsburgh policies
  • Regionally accredited by the Middle States Commission on Higher Education
FAQ

Questions, answered.

How many CLEP® exams does University of Pittsburgh at Bradford accept?
University of Pittsburgh at Bradford accepts 38 CLEP® exams for college credit across Business, Composition and Literature, History and Social Sciences, Science and Mathematics, and World Languages.
What minimum CLEP® score does UPB require?
UPB requires minimum CLEP® scores in the range of 60 depending on the exam. The standard ACE-recommended passing score for CLEP® is 50.
How do I send my CLEP® score to University of Pittsburgh at Bradford?
Enter UPB's institution code 2935 when registering for your CLEP® exam. Scores transmit automatically to the Registrar.
How many CLEP® credits can I apply toward my UPB degree?
Most undergraduate programs cap credit-by-exam at approximately 30 semester hours. Confirm program-specific caps with the Registrar.
Does UPB accept DSST exams?
DSST acceptance at UPB is not confirmed in our dataset. Contact the Registrar for current policy.
Is UPB an NCCRS member institution?
UPB is not currently listed as an NCCRS member. NCCRS-recommended coursework may still be considered under the Registrar's prior-learning policy — confirm first.
How long does it take to earn CLEP® credit at UPB?
Most students prep 4–8 weeks per exam. The CLEP® itself is 90 minutes. Credit typically posts to your transcript 2–4 weeks after transmission.
What if I don't pass my CLEP® exam on the first try?
You can retake CLEP® after 3 months. With a TransferCredit.org subscription, you can also pivot to the matching ACE/NCCRS self-paced course with retake-able finals.
CLEP® exam details — Business (5 exams)
Does UPB accept CLEP® Financial Accounting?
Yes. UPB accepts the CLEP® Financial Accounting exam for 3 college credits, with a minimum required score of 60.
Does UPB accept CLEP® Information Systems?
Yes. UPB accepts the CLEP® Information Systems exam for 3 college credits, with a minimum required score of 60.
Does UPB accept CLEP® Introductory Business Law?
Yes. UPB accepts the CLEP® Introductory Business Law exam for 3 college credits, with a minimum required score of 60.
Does UPB accept CLEP® Principles of Management?
Yes. UPB accepts the CLEP® Principles of Management exam for 3 college credits, with a minimum required score of 60.
Does UPB accept CLEP® Principles of Marketing?
Yes. UPB accepts the CLEP® Principles of Marketing exam for 3 college credits, with a minimum required score of 60.
CLEP® exam details — Composition and Literature (6 exams)
Does UPB accept CLEP® American Literature?
Yes. UPB accepts the CLEP® American Literature exam for 3 college credits, with a minimum required score of 60.
Does UPB accept CLEP® Analyzing and Interpreting Literature?
Yes. UPB accepts the CLEP® Analyzing and Interpreting Literature exam for 3 college credits, with a minimum required score of 60.
Does UPB accept CLEP® College Composition?
Yes. UPB accepts the CLEP® College Composition exam for 3 college credits, with a minimum required score of 60.
Does UPB accept CLEP® College Composition Modular?
Yes. UPB accepts the CLEP® College Composition Modular exam for 3 college credits, with a minimum required score of 60.
Does UPB accept CLEP® English Literature?
Yes. UPB accepts the CLEP® English Literature exam for 3 college credits, with a minimum required score of 60.
Does UPB accept CLEP® Humanities?
Yes. UPB accepts the CLEP® Humanities exam for 3 college credits, with a minimum required score of 60.
CLEP® exam details — History and Social Sciences (12 exams)
Does UPB accept CLEP® American Government?
Yes. UPB accepts the CLEP® American Government exam for 3 college credits, with a minimum required score of 60.
Does UPB accept CLEP® History of the United States I: Early Colonization to 1877?
Yes. UPB accepts the CLEP® History of the United States I: Early Colonization to 1877 exam for 3 college credits, with a minimum required score of 60.
Does UPB accept CLEP® History of the United States II: 1865 to the Present?
Yes. UPB accepts the CLEP® History of the United States II: 1865 to the Present exam for 3 college credits, with a minimum required score of 60.
Does UPB accept CLEP® Human Growth and Development?
Yes. UPB accepts the CLEP® Human Growth and Development exam for 3 college credits, with a minimum required score of 60.
Does UPB accept CLEP® Introduction to Educational Psychology?
Yes. UPB accepts the CLEP® Introduction to Educational Psychology exam for 3 college credits, with a minimum required score of 60.
Does UPB accept CLEP® Introductory Psychology?
Yes. UPB accepts the CLEP® Introductory Psychology exam for 3 college credits, with a minimum required score of 60.
Does UPB accept CLEP® Introductory Sociology?
Yes. UPB accepts the CLEP® Introductory Sociology exam for 3 college credits, with a minimum required score of 60.
Does UPB accept CLEP® Principles of Macroeconomics?
Yes. UPB accepts the CLEP® Principles of Macroeconomics exam for 3 college credits, with a minimum required score of 60.
Does UPB accept CLEP® Principles of Microeconomics?
Yes. UPB accepts the CLEP® Principles of Microeconomics exam for 3 college credits, with a minimum required score of 60.
Does UPB accept CLEP® Social Sciences and History?
Yes. UPB accepts the CLEP® Social Sciences and History exam for 3 college credits, with a minimum required score of 60.
Does UPB accept CLEP® Western Civilization I: Ancient Near East to 1648?
Yes. UPB accepts the CLEP® Western Civilization I: Ancient Near East to 1648 exam for 3 college credits, with a minimum required score of 60.
Does UPB accept CLEP® Western Civilization II: 1648 to the Present?
Yes. UPB accepts the CLEP® Western Civilization II: 1648 to the Present exam for 3 college credits, with a minimum required score of 60.
CLEP® exam details — Science and Mathematics (7 exams)
Does UPB accept CLEP® Biology?
Yes. UPB accepts the CLEP® Biology exam for 3 college credits, with a minimum required score of 60.
Does UPB accept CLEP® Calculus?
Yes. UPB accepts the CLEP® Calculus exam for 3 college credits, with a minimum required score of 60.
Does UPB accept CLEP® Chemistry?
Yes. UPB accepts the CLEP® Chemistry exam for 3 college credits, with a minimum required score of 60.
Does UPB accept CLEP® College Algebra?
Yes. UPB accepts the CLEP® College Algebra exam for 3 college credits, with a minimum required score of 60.
Does UPB accept CLEP® College Mathematics?
Yes. UPB accepts the CLEP® College Mathematics exam for 3 college credits, with a minimum required score of 60.
Does UPB accept CLEP® Natural Sciences?
Yes. UPB accepts the CLEP® Natural Sciences exam for 3 college credits, with a minimum required score of 60.
Does UPB accept CLEP® Precalculus?
Yes. UPB accepts the CLEP® Precalculus exam for 3 college credits, with a minimum required score of 60.
CLEP® exam details — World Languages (8 exams)
Does UPB accept CLEP® French Language Level I?
Yes. UPB accepts the CLEP® French Language Level I exam for 3 college credits, with a minimum required score of 60.
Does UPB accept CLEP® French Language Level II?
Yes. UPB accepts the CLEP® French Language Level II exam for 3 college credits, with a minimum required score of 60.
Does UPB accept CLEP® German Language Level I?
Yes. UPB accepts the CLEP® German Language Level I exam for 3 college credits, with a minimum required score of 60.
Does UPB accept CLEP® German Language Level II?
Yes. UPB accepts the CLEP® German Language Level II exam for 3 college credits, with a minimum required score of 60.
Does UPB accept CLEP® Spanish Language Level I?
Yes. UPB accepts the CLEP® Spanish Language Level I exam for 3 college credits, with a minimum required score of 60.
Does UPB accept CLEP® Spanish Language Level II?
Yes. UPB accepts the CLEP® Spanish Language Level II exam for 3 college credits, with a minimum required score of 60.
Does UPB accept CLEP® Spanish with Writing Level I?
Yes. UPB accepts the CLEP® Spanish with Writing Level I exam for 3 college credits, with a minimum required score of 60.
Does UPB accept CLEP® Spanish with Writing Level II?
Yes. UPB accepts the CLEP® Spanish with Writing Level II exam for 3 college credits, with a minimum required score of 60.
Start Today

Your UPB credit,
in weeks not semesters.

One subscription. 25+ CLEP® subjects for prep. 70+ ACE/NCCRS courses via partner. Pass-or-pivot safety net. Start your trial today.

TransferCredit.org is an independent education service, not affiliated with or endorsed by University of Pittsburgh at Bradford. CLEP® is a registered trademark of the College Board. DSST is a registered trademark of Prometric. Credit policy facts verified at time of writing; always confirm current policy with the Registrar.