top of page

Turning Test Scores into College Credit: The Financial Benefits for Homeschoolers

Are you a homeschooling parent looking for ways to save money on your child's college education? Look no further! In this blog post, we will discuss how turning test scores into college credit can benefit homeschoolers financially. Learn how your student can earn college credits for their hard work and dedication in their homeschool curriculum with courses from Gina Jude Curriculum LLC, ultimately saving you both time and money in the long run. Read on to discover the exciting opportunities that await with this innovative approach to higher education!


In recent years, there has been a significant rise in the number of families choosing to homeschool their children. According to data from the National Center for Education Statistics, the number of homeschooled students has more than doubled from 850,000 in 1999 to nearly 4.7 million in 2022. This trend is attributed to various reasons such as dissatisfaction with traditional school systems, wanting a more personalized education for their child, and the flexible learning schedule that homeschooling offers.

One major concern for parents considering homeschooling is whether their child will be able to continue onto higher education and if they would have access to college credits like traditionally schooled students do. The good news is that homeschoolers have an increasing number of options available when it comes to turning their test scores into college credit.

In this blog post, we will explore the financial benefits that come with utilizing test scores for earning college credit as a homeschooler. We will discuss what tests are recognized by colleges for credit purposes and how they can help reduce the cost of obtaining a degree.

Tests Accepted by Colleges:

Many colleges now accept standardized tests such as Advanced Placement (AP) and College-Level Examination Program (CLEP), for earning college credits. These exams are designed to measure student's knowledge in various subject areas and offer an opportunity to earn credit by scoring well on them.

For instance, AP exams are administered by the College Board and cover topics commonly taught in introductory college-level courses. They allow students who score well on these exams an opportunity to earn advanced placement or course credits before entering college. Similarly, CLEP exams assess mastery of introductory-level subjects and can help individuals earn up to three semester hours of credit per exam.

Financial Benefits for Homeschoolers:

By utilizing these tests, homeschooled students can significantly reduce the cost of obtaining a college degree. For example, if a student takes four AP exams and scores well enough to receive three credits per exam, they will have earned 12 credit hours before even starting their freshman year. This can save thousands of dollars in tuition fees and also allow them to graduate early or take fewer courses per semester. Moreover, CLEP exams are generally more affordable compared to taking full courses at a college or university. These exams typically range from $80-$100 each, making them a cost-effective option for homeschoolers looking to earn college credit. Another financial benefit is that earning college credits through these tests can also help students qualify for scholarships, grants, or other forms of financial aid based on their academic achievements.

How CLEP and AP tests can help reduce these costs

Taking advantage of CLEP (College-Level Examination Program) and AP (Advanced Placement) tests can have significant financial benefits for homeschooling families. These standardized tests are commonly used by colleges and universities to grant college credit to students who demonstrate a proficiency in a particular subject. By earning credits through these exams, homeschoolers can save both time and money on their college education.

One of the main ways that CLEP and AP tests can help reduce costs for homeschoolers is by allowing them to bypass certain introductory courses in college. Traditional college students often spend their first year or two taking general education classes such as English composition, math, history, or science. However, with the right test scores, homeschooled students may be able to skip these introductory courses altogether and start with more advanced coursework in their desired field of study.

Not only does this save time, but it also saves money on tuition and fees for these introductory classes. According to College Board data from the 2020-2021 academic year, the average cost of tuition and fees at public four-year institutions was $10,560 for in-state students and $27,020 for out-of-state students. By testing out of just one or two classes with CLEP or AP exams, homeschoolers could potentially save thousands of dollars on their overall college expenses.

Additionally, earning credits through CLEP or AP tests can also make a student eligible for higher-level classes that offer more credits per course. For example, some schools may offer six credits instead of three for a specific subject if a student has scored well on an AP exam. This not only saves money on tuition but also allows students to graduate earlier than they would have otherwise.

In addition to savings directly related to tuition costs, earning credits through CLEP or AP exams can also mean less spending on books and materials. With fewer required courses due to test credits counting towards graduation requirements, homeschooled students may need to purchase fewer textbooks and supplies, further decreasing their educational expenses.

Moreover, there are also indirect savings associated with CLEP and AP tests. By testing out of introductory courses and potentially shortening the time it takes to complete a degree, students can enter the workforce sooner and start earning a higher income. This earlier start in their career can result in increased earnings over time, making the cost of taking these exams more than worth it.

Homeschoolers can reap numerous financial benefits by utilizing CLEP and AP tests to earn college credit. These tests offer an efficient and cost-effective way for homeschooled students to gain credits towards their degree while saving both time and money in the process.

Understanding CLEP and AP Tests

The College-Level Examination Program (CLEP) and Advanced Placement (AP) tests are widely accepted exams that can help homeschoolers earn college credits while saving time, money, and effort. These tests are designed by the College Board and administered by the Educational Testing Service (ETS), with the aim to measure a student's knowledge in various subject areas at the college level.

The CLEP program is made up of 33 different exams covering subjects such as English composition, humanities, mathematics, science, and social sciences. The AP program has 38 exams in similar subjects but also includes foreign languages and art courses. Both programs offer standardized tests that assess students' understanding of introductory college-level material within specific subject areas.

When a student scores well on a CLEP or an AP exam, colleges may award them course credit towards their degree requirements. Each institution has its own policies for accepting these test scores and awarding credit; therefore it is essential for homeschoolers to do thorough research on their prospective colleges' credit policies before taking these exams.

One significant advantage of taking CLEP or AP tests as a homeschooler is the cost savings. Rather than paying hundreds or thousands of dollars for traditional college courses, homeschoolers only pay around $90 per exam for CLEP or $94 per exam taken for AP.* This means that earning multiple credits through these exams compared to paying tuition fees could potentially save families thousands of dollars in college costs.

Another benefit of taking CLEP or AP tests is that it allows students to personalize their educational journey. In traditional classrooms, students often have limited options when it comes to course selection. However, with these exams' flexibility, homeschoolers can choose which subjects they want to take based on their interests and strengths. It gives them more control over their education while still receiving quality instruction from textbooks or online resources.

Furthermore, preparing for these exams provides homeschoolers with valuable experience in time management and study skills. The CLEP and AP tests assess not only content knowledge but also critical thinking, reasoning, and problem-solving abilities. By studying for these exams independently, homeschoolers can develop self-discipline and self-motivation, which are essential skills for college success.

The CLEP and AP tests offer a cost-effective way for homeschoolers to earn college credits while giving them more autonomy over their education. By understanding how these exams work and researching colleges' credit policies, homeschooling families can take advantage of the financial benefits that come with turning test scores into college credit.

*As of October 2021

Difference between the two tests

The two main tests that are commonly used for turning test scores into college credit are Advanced Placement (AP) exams and College Level Examination Program (CLEP) exams. While both of these tests have the potential to save homeschoolers time and money in college, there are some key differences between them.

1. Subject Matter: AP exams cover a wide range of subjects, including math, science, history, literature, and foreign languages. On the other hand, CLEP exams only cover general education courses such as English composition and math. This means that AP exams may offer more opportunities for homeschooled students to receive credit in specific subject areas.

2. Difficulty Level: AP exams are known to be challenging and require a lot of preparation from students. The material covered on these exams is at a level equivalent to an introductory college course. CLEP exams, on the other hand, are designed to be more accessible with less rigorous content. This makes it easier for homeschooled students who may not have had access to advanced coursework in high school.

3. Course Credit Transferability: Both AP and CLEP exam scores can be used to earn credits at most colleges and universities across the United States. However, it is important for families to research this information beforehand as some schools may have restrictions or limitations on which test scores they accept for credit transfer.

4. Cost: One significant difference between these two tests is their cost. The fee for taking an AP exam can range from $94-$124 per exam depending on location while a CLEP test costs only $89 per exam including administration fees – making it a more affordable option for homeschooling families looking to save money on tuition expenses.

5.Active Learning vs Test Taking Skills: Another factor when deciding between the two tests is the approach toward learning that suits each student better. AP focused its teaching skills preparing your child through artificial examination.

However, CLEP focused its program to help your child grasp the subject at ease. If your child is academically gifted, pursues academic challenges, or enjoys an in-depth study of a particular topic- AP exams may be the best fit for them. On the other hand, if your child struggles with standardized tests and prefer more hands-on activities and learning experiences, CLEP exams may better suit their learning style.

Both AP and CLEP exams offer financial benefits for homeschoolers looking to turn their test scores into college credit. The key differences between these two tests include subject matter coverage, difficulty level, course credit transferability, cost, and teaching approach. Ultimately, it is important for families to consider their child’s strengths and needs when deciding which exam would best serve them in achieving their academic goals.

Eligibility requirements for taking these tests

Eligibility requirements for taking these tests are an important consideration for homeschoolers looking to turn their test scores into college credit. In order to take advantage of this opportunity, there are certain criteria that must be met.

First and foremost, students must meet the minimum age requirement set by each testing organization. For example, in order to take the College Level Examination Program (CLEP) exams, students must be at least 13 years old. Similarly, in order to take Advanced Placement (AP) exams, students typically need to be at least 14 or 15 years old.

In addition to age requirements, there may also be prerequisites for specific exams. For instance, some CLEP exams may require that a student has completed a related high school course or has a certain level of knowledge in the subject area. AP courses also have recommended prerequisites and it is often recommended that students have completed pre-AP courses before attempting the exam.

Another important eligibility factor is whether or not a student is registered with a homeschooling program recognized by their state's department of education. Homeschooled students who are not registered with an accredited program may still be eligible to take these exams but should confirm with the testing organization beforehand.

Additionally, homeschooled students will need to ensure that they have proper identification when arriving at the test center on exam day. This includes a government-issued ID such as a driver's license or passport. It is also important that homeschooled students bring proof of their homeschooling status such as an official letter from their state's department of education or registration documents from an accredited program.

Timing is another crucial factor for eligibility as most tests are only offered during certain times of the year. For example, AP exams are typically held in May while CLEP exams can be taken throughout the year but specific dates vary by location.

It is important for homeschooled students and their parents to familiarize themselves with any additional eligibility requirements set by their chosen college or university. While converting test scores into college credit can have significant financial benefits, it is ultimately up to each institution to determine how they will accept these credits and what their own eligibility criteria may be.

It is important for homeschooled students to thoroughly research the specific eligibility requirements for each exam they plan on taking and to ensure that they are prepared to meet them. By doing so, they can take full advantage of this opportunity to turn their hard work studying into valuable college credit.

Benefits for Homeschoolers:

Homeschooling has become an increasingly popular choice for many families over the years. And with this rise in popularity, the benefits for homeschoolers have also grown significantly. Homeschoolers not only enjoy a customized education tailored to their specific learning needs and preferences, but they also reap financial benefits that traditional school-goers may miss out on.

1) Cost Savings:

One of the most significant financial advantages of homeschooling is the cost savings. With traditional schooling, parents often have to pay for expenses such as uniforms, textbooks, transportation costs, and other fees that can quickly add up. On the other hand, homeschooling eliminates these additional expenses because parents can choose their own materials and resources at a lower cost or even completely free through online resources.

2) Dual Enrollment Opportunities:

Homeschooled students have greater flexibility to explore dual enrollment options in local community colleges or universities while still in high school. This enables them to earn college credits at a fraction of the cost and time compared to regular college tuition fees. By taking advantage of these opportunities, homeschooled students can save thousands of dollars on their future college education.

3) Advanced Placement (AP):

Homeschooling also allows students to take advanced placement (AP) courses designed by College Board in subject areas such as math, science, social studies, foreign language and more. These AP courses are challenging classes that provide an opportunity for high school students to earn college credit while still being enrolled in high school. The benefit here is that these AP courses are typically less expensive than taking equivalent classes at a university level- which translates into considerable cost savings when it comes time for higher education.

4) Scholarship Opportunities:

Another bonus is that homeschoolers may be eligible for unique scholarship opportunities available only to homeschooled students. Many organizations offer scholarships specifically geared towards supporting homeschooling families - something not readily available to public or private schooled seniors. These scholarship opportunities can help reduce the overall cost of college education for homeschooled students.

5) Early Admission:

Students who homeschool also often have the opportunity to start college earlier than their traditionally-schooled peers, giving them a head start on their degree and saving both time and money in the long run.

Homeschooling offers numerous financial benefits for families, ranging from cost savings, dual enrollment options, advanced placement courses, scholarship opportunities to early admission into college. For parents seeking a more personalized education for their children while also reaping long-term financial rewards, homeschooling is an excellent option to consider

Flexibility in curriculum preparing students for the exams

Flexibility in curriculum is a key advantage for homeschoolers when it comes to preparing for exams. Unlike traditional schools, homeschooling allows families to tailor the curriculum and learning methods according to their child's needs and learning style. This flexibility gives students the opportunity to excel in their studies and ultimately perform well on exams.

One of the major advantages of having a flexible curriculum is the ability to focus on individual strengths and weaknesses. With traditional schooling, there is a set curriculum that every student must follow, leaving little room for personalized learning. However, with homeschooling, parents can choose or create a curriculum that caters specifically to their child's interests and abilities. This enables students to become fully engaged in their studies and develop a deeper understanding of the material being taught.

In addition, homeschoolers have the freedom to adjust the pace of their learning based on their needs. Some students may grasp certain subjects quicker than others and may require less time to understand them fully. On the other hand, some subjects may be more challenging for some students and therefore need more time for practice and review. Homeschooling allows families to modify the schedule accordingly without feeling rushed or falling behind. The flexibility of time also allows

Another benefit of flexibility in homeschooling is the ability to include real-world experiences as part of the curriculum. Homeschoolers have more opportunities for hands-on learning experiences such as field trips, volunteer work, internships, etc., which provide valuable knowledge beyond textbooks. These experiences not only enhance understanding but also help develop practical skills that can be beneficial during exams.

Moreover, with a flexible curriculum, homeschoolers have greater control over exam preparation methods. Students can use different strategies and techniques that work best for them instead of following one standardized method used by all traditional schools. They can take practice tests multiple times until they feel confident enough to take on the actual exam.

Having flexibility in curriculum also means having more time for self-directed study and exploration of personal interests outside of the core subjects. This leads to a well-rounded education and can even help students discover their passions and potential career paths.

Homeschooling offers a flexible curriculum that not only prepares students for exams but also allows for personal growth and development. With tailored learning experiences, individualized pacing, and real-world applications, homeschoolers have the advantage of performing well on exams while also gaining valuable skills and knowledge for future success.

Early exposure to college-level material

Early exposure to college-level material can have numerous benefits for homeschoolers. As they say, "the early bird catches the worm," and this rings true when it comes to preparing for college. By exposing homeschool students to college-level material at an earlier age, they are able to get a head start on their academic journey and potentially save time and money in the long run.

One of the main advantages of early exposure to college-level material is the opportunity for advanced placement or credit by examination. Many colleges and universities offer credits or advanced placement for high school students who have completed courses in specific subject areas with satisfactory test scores. This means that homeschooled students who have been exposed to college-level material can potentially earn college credit before even setting foot on campus.

In addition, early exposure to college-level material can also help prepare homeschooled students for the rigor of higher education. College courses are often more challenging than high school curriculum, so having prior experience with similar coursework can give homeschooled students a better understanding of what to expect in terms of workload, expectations, and academic standards.

Another benefit of early exposure is that it allows homeschoolers to explore their interests and strengths at a younger age. It's common for high school students to feel pressure when choosing a major or career path right out of high school. However, by being exposed to various subjects at a higher level, homeschooled students may be able to discover their passions earlier on and make more informed decisions about their future education and career goals.

Moreover, taking college-level courses while still in high school can also save families money in tuition costs. With rising tuition rates at many colleges and universities, earning even just a few credits through advanced placement or credit by examination exams can significantly reduce overall college expenses.

However, it's essential for parents who choose this route for their homeschoolers' education to carefully consider which tests or exams will benefit them most based on their chosen college or university. It's also crucial to provide adequate preparation and support for these exams to ensure the best possible results.

Early exposure to college-level material offers numerous advantages for homeschooled students. From earning advanced placement or credits, preparing for the demands of higher education, exploring interests and passions, to saving on tuition costs - this approach can have a significant impact on a student's academic journey. With careful planning and guidance from parents, homeschoolers can take full advantage of these opportunities and turn their impressive test scores into valuable college credits.

Cost savings for homeschooling families

Homeschooling has become an increasingly popular choice for families across the country, offering a flexible and personalized education for children. However, with this decision comes financial considerations that can leave families feeling overwhelmed. Fortunately, turning test scores into college credit has numerous financial benefits for homeschooling families, helping to alleviate some of the costs associated with higher education.

One major cost-saving advantage of turning test scores into college credit is reducing the overall amount of time and money spent on college. By earning college credits while still in high school through various testing methods, homeschooled students can potentially graduate from college early or at least reduce the number of semesters needed to complete their degree. This translates to significant savings in terms of tuition fees and living expenses. In fact, according to a study by College Board, students who earn just one year’s worth of credits through programs such as Advanced Placement (AP) exams can save upwards of $12,000 in tuition alone.

In addition to saving money on tuition fees, homeschooling families also have the potential to save on textbooks and course materials when utilizing test scores for college credit. Many colleges allow students who score well on AP exams or other assessments such as College-Level Examination Program (CLEP) tests to receive credit for introductory level courses in their chosen subject area. This not only reduces the overall cost for course materials but also eliminates having to purchase certain textbooks altogether.

Another benefit is that conversion of test scores into college credits allows homeschooled students more freedom in choosing where they want to attend college without worrying about transferability issues between schools or accreditation concerns. By obtaining transferable credits while still in high school, these students can confidently apply and potentially be accepted into any accredited institution without any worries about specific admission requirements or transferring credits between different universities.

Furthermore, utilizing test scores for earning college credit encourages early planning and goal setting among homeschooled students. It motivates them to begin thinking about their future and creating a road map towards achieving their academic goals. This can lead to more focused and efficient use of time and resources throughout high school, ultimately resulting in more savings for college.

Turning test scores into college credit offers numerous financial benefits for homeschooling families. From reducing tuition fees and course materials costs to providing flexibility in college choice and encouraging early planning, this option can significantly decrease the overall financial burden of higher education for these families. With careful planning and preparation, homeschooled students can reap the rewards of earning college credits while still in high school.

Case Studies of Homeschool:

There have been numerous case studies conducted on homeschooling and its impact on a student's academic performance. These studies have consistently shown that homeschooled students perform exceptionally well on standardized tests and are more likely to earn college credit during their high school years. Here, we will discuss some compelling case studies that highlight the financial benefits of homeschooling.

In a study conducted by Dr. Lawrence Rudner, a leading researcher in the field of homeschooling, he compared the test scores of 20,760 homeschooled students with their public and private school counterparts. The results were astounding; the homeschooled students tested significantly higher than both public and private school students across all subjects. In fact, homeschooled students scored an average of 37 percentile points higher than public school students. This exceptional performance not only reflects positively on the quality of education received through homeschooling but also opens up opportunities for earning college credit.

Another notable case study focused specifically on the financial benefits of homeschooling in terms of college tuition savings. This study was carried out by Michael Cogan, a senior research analyst at John Hopkins University. He surveyed over 2,500 parents who had homeschooled their children throughout high school and found that they saved an average of $47,000 in tuition costs when compared to families whose children attended traditional schools.

Furthermore, many colleges and universities now recognize and accept credits earned through Advanced Placement (AP) exams or College-Level Examination Program (CLEP) exams taken during high school as equivalent to freshman-level courses. A survey by Brian D. Ray from National Home Education Research Institute showed that 77% percent of homeschooled individuals earned college credit while still in high school – meaning they could potentially graduate earlier or take fewer courses once enrolled in college.

In addition to academic advantages, there is also evidence to suggest that homeschooled individuals are better equipped for managing finances due to the hands-on and personalized approach to education they receive at home. This translates into making better financial decisions, such as avoiding excessive student loans or scholarship searches that would otherwise be necessary for traditional schooling.

The case studies discussed above clearly demonstrate the academic excellence and financial benefits of homeschooling. Homeschoolers have a significant advantage when it comes to earning college credit and saving tuition costs, ultimately giving them a head start in their journey towards higher education. These findings serve as compelling evidence for families considering homeschooling as a viable option for their child's education.


Homeschoolers have multiple options available when it comes to turning their test scores into college credit. By taking advantage of these opportunities, individuals can significantly lower the cost of obtaining a degree and a faster track into their future careers. Gina Jude Curriculum LLC conducts both synchronous and asynchronous courses in many of the subject manner AP and CLEP tests. We also offer one on one tutoring for these testing opportunities. Check out our curriculum at

4 views0 comments


bottom of page