An associate degree requires a minimum of 64 semester credits, or 96 term credits. A bachelor's degree usually requires 120-128 semester credits, or 180-192 term credits. Thus, when credits are transferred from a college on the term system to a college on the semester system, a term credit is evaluated as two-thirds of a semester credit; for example, 30 term credits become 20 semester credits. No credits are "lost"; they are simply converted to a different unit. This may result, however, in some fractional credits. It is advisable to get complete transfer information from a counselor.