About This Site

Who writes this

Ethan Chen writes and maintains this site. It is not written from professional experience in a financial aid office — it is written by reading the regulations themselves and quoting them, which is why every figure on the site carries the citation it came from and the date it was last checked. Where the regulation is silent or ambiguous, the page says so rather than picking an answer.

That is the whole claim being made here, and it is deliberately a narrow one: you should be able to verify any number on this site without trusting the person who wrote it.

Who publishes this

This site is published by Innomatrix Limited, a company registered in England and Wales under number 16188012. Its registered office is 71-75 Shelton Street, London, WC2H 9JQ.

It is a UK company writing about United States federal regulations, which is worth stating plainly rather than leaving for you to discover. Nothing here is an official US source and nothing here is advice — the value on offer is that every figure is traced to the regulation it came from, so you can check it against the primary text without taking anyone's word for it.

How the rules are verified

Each rules page follows the same process:

1. Primary source first. Figures come from the Code of Federal Regulations, the U.S. Code, the Federal Register, or an official Department publication — never from another site's summary.
2. The regulation is quoted, not paraphrased. Where the exact wording carries the meaning — "as determined by the institution", "rounded to the nearest whole percentage point" — you see the sentence itself, with its citation.
3. Arithmetic is executed, not typed. Every worked example and comparison table is generated at build time by the same code, from the same rule data. Nothing is hand-entered, so a table cannot drift out of sync with the rule it illustrates.
4. Known-wrong answers are named. Where a specific incorrect figure is circulating — including in official university guidance — it is shown alongside the reason it is wrong, so you can recognise it.
5. Every page carries a verification date. These rules change. A page that has not been re-checked against its source since the last amendment says so.

What this site is not

It is not official, and it is not advice. This site is not affiliated with, endorsed by, or sponsored by the U.S. Department of Education, the U.S. Department of Veterans Affairs, or the U.S. Department of Homeland Security. Your school's financial aid office, your DSO, and the VA make the determinations that actually govern your money and your status.

The purpose here is narrower and, I think, more useful: to let you check their number against the regulation, rather than the other way round. If a figure on this site disagrees with what your school told you, the school is the authority — but you now have the citation to ask about it with.

Where to start

The tools apply these rules to your own numbers: the GPA calculator on your school's actual grading scale, and the reference pages on credit hours and the federal rules that read them.

Corrections

If something here is wrong, I want to know. Federal rules on credit hours changed substantially in July 2026 and material published before then is frequently out of date — this site included, if I miss an amendment.

Write to hello@howmanycredits.com. A correction that comes with the section number is the fastest kind to act on, and if you are right the page will say so with the date it changed.