I came to this country in 1998 with over 157 credits from a top foreign business school that has reciprocity programs with Harvard, UPenn, etc. I was short one semester because I was turning 21 years old and the U.S. would disqualify me from migrating if I missed that age limit. Having studied abroad, my credits were assessed & I got the most equivalency & transfer credits at Empire State College - a State University of New York (they took 2.5 credits for each 3 credits I completed), so my 157 became 128.5, and I only had to take a few more major subjects. Some top schools in NY and NJ only converted 2 out of every 3 credits I already studied, which is too commercialized and irrational! I have no regrets pursuing my degree at SUNY-ESC. I worked my way up the corporate ladder from being a fresh immigrant working at the hotel front desk to accounting clerk, then accounting manager, staff accountant to chief accountant for 8 years, and now cost controller, and seasonal financial controller level in five star hotels. I have traveled assisting our sister hotels from New Mexico, Miami, Antigua, British Virgin Islands, Buckhead-GA, and New York City and I have contributed to their successes, one way or another. None of them would have been possible if I was too busy negotiating my learning from a top foreign business school through highly expensive universities that were shortchanging me. I hold a 97% SAT percentile from my country and I make hotels & restaurant management companies grow, and I know I will be a CPA someday.