In a college or university in the United States, students generally receive credit hours based on the number of "contact hours" per week in class, for one term; more well known as Semester Credit Hours. A contact hour includes any lecture or lab time when the professor is teaching the student or coaching the student while they apply the course information to an activity. Regardless of the duration of the course (i.e. a short semester like summer or intersession) and depending on the state or jurisdiction, a semester credit hour (SCH) is 15-16 contact hours per semester. Most college and university courses are 3 Semester Credit Hours (SCH) or 45-48 contact hours, so they usually meet for three hours per week over a 15-week semester.
Homework is time the student spends applying the class material without supervision of the professor: this includes studying notes, supplementary reading, writing papers, or other unsupervised activities such as labwork or field work. Students are generally expected to spend three hours outside class studying and doing homework for every hour spent in class.
Normal full-time studying is usually 15 credit hours per semester or 30 credit hours per academic year. Some schools set a flat rate for full-time students, such that a student taking over 12 or 15 credit hours will pay the same amount as a student taking exactly 12 (or 15). A part-time student taking less than 12 hours pays per credit hour, on top of matriculation and student fees.
Credit for laboratory and studio courses as well as physical education courses, internships and practica is usually less than for lectures - typically one credit for every two to three hours spent in lab or studio, depending on the amount of actual instruction necessary prior to lab. However, for some field experiences such as student teaching as a requirement for earning one's teaching license, a student may only earn 8-10 credits for the semester for doing 40 hours a week of work .
To figure a grade-point average (GPA), the grade received in each course is subject to weighting, by multiplying it by the number of credit hours. Thus, a "B" (three grade points) in a four-credit class yields 12 "quality points". It is these which are added together, then divided by the total number of credits a student has taken, to get the GPA. Transfer credits are not necessarily counted in the GPA.
Some courses may require a grade higher than that which is considered passing. In this case, a grade of "D" will still add to the total number of credits earned (unlike an "F")
Various types of student aid and certain student visas require students to take and complete a minimum number of course credits each term. Schools often require a minimum number or percentage of credits be taken at the school to qualify for a diploma from that school—this is known as a residency requirement.
Credit by examination, also known as credit by exam, is a way of receiving course credit without taking the course. This grade often shows as a "K" on a transcript, however it carries no credit hours, and therefore has no effect on the GPA. This also means that a student often must take other classes instead, to meet minimum hour requirements. This still benefits the student, because he or she can learn something new and useful, instead of repeating what is already known. DANTES and College Level Examination Program (CLEP) are two programs that offer college bound students credit by examination.
Faculty in comprehensive or baccalaureate colleges and universities typically have 12 SCH per semester. Faculty teaching significant graduate work or large classes (100 or more students in a section) may have "load lifts" or "course reductions." Faculty at research universities typically have an official teaching load of 12 SCH per semester, but their actual load is reduced because of the requirement for significant peer reviewed published research. While faculty workloads are almost universally based on the number of SCH taught, faculty teaching in technical "clock hour" programs in technical and community colleges have workloads that more closely resemble high school teaching, so that Faculty in community colleges typically teach 15 SCH or more per semester (5 days per week at 3 hours per day).
In Canada, the term college often refers to a community college or trade school, whilst the more formal and inclusive term for post-high school education is post-secondary education. Most university courses run from September to April with 13 weeks before Christmas and 13 weeks after. Classes that meet three hours a week are generally awarded 6 credit hours. 3rd and 5th year classes are more specialized so some facilities may offer half courses that run from September to December or January to April. These courses are awarded 3 credit hours. In some provinces, such as Ontario, a different system is used. The school year is often broken into two semesters. A single semester class is worth 1/2 a credit, and a full year course is worth a full credit. A normal class load consists of five to six classes a semester, which leads to five-six credits being accumulated each school year.
There is no unified academic credit system in Brazil. The regulating bodies of the Ministry of Education and the legislation count the hours of instruction. A full-time year of higher education takes between 800 and 1200 instruction-hours in Brazil, which would be equivalent to 30 US credits and 60 European ECTS. In Uruguay's University of the Republic, a credit stands for 15 hours of work, including classes, personally studying and task activities. Since semesters last 15 weeks, a credit corresponds to one hour of work a week.
In India, in engineering colleges which follow the course credit system, the number of 'Contact Hours' in a week of a particular course determines its credit value. Typically, courses vary from 2 to 5 credits. The GPA is calculated on a 10-point scale, with weighted average of the grades received in the respective course. The grades awarded are; A+, A, B+, B, C+, C, D and E(Fail). This GPA is also known as CGPA (Cumulative Grade Point Average). The thesis submitted at the end of the four-year degree is generally given 20 credits. On an average, students in India need to complete 195-200 credits after their 4-year engineering course to be awarded the degree B.Tech/B.E. with a summer internship (6 weeks minimum) & a one-year-long thesis project.
A new CBCS (Choice Based Credit System) scoring system was devised by UGC for undergraduate students from the academic year 2016-17. The system provides an opportunity for students to pick courses from core, elective or skill-based courses.
In Europe, a common credit system has been introduced. The European Credit Transfer and Accumulation System (ECTS) is in some European countries used as the principal credit and grading system in universities, while other countries use the ECTS as a secondary credit system for exchange students. In ECTS, a full study year normally consists of 60 credits. ECTS grades are given in the A-E range, where F is failing. Schools are also allowed to use a pass/fail evaluation in the ECTS system.
In the United Kingdom, the common credit system is the Credit Accumulation and Transfer Scheme (CATS). A full study year normally consists of 120 CATS credits and grades are usually recorded as percentages (i.e. 0-100). Most UK Universities also use the European ECTS system in addition to CATS.
In high schools in the United States, where all courses are usually the same number of hours, often meeting every day, students earn one credit for a course that lasts all year, or a half credit per course per semester. This credit is formally known as a Carnegie Unit. After a typical four-year run, the student needs 26 credits to graduate (an average of 6 to 7 at any time). Some high schools have only three years of school because 9th grade is part of their middle schools, with 18 to 21 credits required.
In Canada, credits can be earned at the end of a course in high school. Earning a credit depends whether a person passes the course or not. A certain number of credits are required to graduate high school. A minimum of 30 credits are needed in order to graduate in specifically Ontario, those being 18 compulsory credits and 12 elective credits. 1 credit is equal to 1 completed course per semester, with the maximum credits earned per semester being 4-5. Each school year is separated into 2 semesters, or 4 terms; while it takes 1 semester for 1 credit, there are two compulsory courses taken in Grade 10 that each take up 1 term, earning half a credit upon completion, adding up to 1 credit, and being considered as one course that has merely been separated.  The course credit system is similar to the one used in the United States.