Money Hack

The CLEP Cheat Code

$97 per exam vs. $1,500 per course. 34 exams. 3,000+ accepting schools. This is the biggest money hack in higher education.

$97

Per CLEP exam

34

Available exams

3,000+

Accepting schools

What Is CLEP?

CLEP (College-Level Examination Program) is a series of 34 standardized exams administered by the College Board. Each exam covers a full semester of introductory college coursework. Pass the exam, earn the credits — without sitting through the class.

Over 3,000 colleges and universities accept CLEP credits, including most state schools, community colleges, and many private institutions. The program has been running since 1967.

CLEP is not a shortcut — it's a smarter path. You still need to know the material. You just don't need to pay $1,500 and spend 16 weeks proving it.

The Math That Changes Everything

Here's what one college course costs vs. one CLEP exam. We use $1,500 as an illustrative 3-credit course cost — a public 4-year in-state course averages about $1,195, and private-college courses often run far higher (College Board, Trends in College Pricing 2025):

ExpenseUniversity CourseCLEP Exam
Tuition (3 credits)$1,500$97
Textbook$100–$200$0 (free study)
Time commitment16 weeks90 minutes
Total cost$1,600–$1,700$97

Now scale that up. Most students can realistically pass 5 to 8 CLEP exams:

5 exams

$7,500+

saved

8 exams

$12,000+

saved

10 exams

$15,000+

saved

The 5 Easiest CLEP Exams to Pass

Setting aside the language exams (whose high pass rates mostly reflect native speakers testing out), these exams have the highest pass rates in College Board's most recently published civilian test-taker data — and cover material most students already know from high school or everyday life:

1College Composition

~81% pass rate6 credits

Multiple choice plus two essays. If you can write a clear five-paragraph argument, this replaces both semesters of freshman English at many schools.

2Introductory Sociology

~80% pass rate3 credits

If you understand how society works — social norms, institutions, inequality — you already know half of this.

3Principles of Marketing

~79% pass rate3 credits

You've been on the receiving end of marketing your whole life. Product, price, promotion, place — much of it is structured common sense.

4College Mathematics

~76% pass rate6 credits

Not calculus. This covers algebra, probability, logic, and sets. Worth 6 credits at many schools.

5Analyzing & Interpreting Literature

~75% pass rate3 credits

If you're a reader, this exam rewards close reading of passages provided on the test — no memorized author lists required.

Pass rates are from College Board's most recently published civilian data; DANTES-published military pass rates run lower on several exams. Your result depends on preparation.

How to Study for Free

Modern States: Free Courses + Free Exam Voucher

Modern States is a nonprofit that offers free online courses for CLEP exams. Complete the course and pass its quizzes and final, and they give you a voucher that covers the $97 exam fee. That means you can earn college credit for literally $0.

Free course + free exam voucher = $0 college credits

Other free study resources:

  • Khan Academy — covers math, psychology, economics, and more
  • YouTube — CrashCourse and Professor Leonard for exam-specific prep
  • Quizlet — thousands of free CLEP flashcard sets made by other test-takers
  • Your local library — REA and Peterson's CLEP study guides, free to borrow

Step-by-Step: How to Take a CLEP Exam

1

Check if your target school accepts CLEP

Use College Decoded's Credit Lab to see which CLEPs your school accepts and what scores they require.

2

Register at College Board

Create a CLEP account at clep.collegeboard.org. You'll need this to schedule and send scores.

3

Study for 2-4 weeks

Use Modern States (free), Khan Academy, or YouTube. Most exams take 2-4 weeks of casual study.

4

Find a test center — or test from home

CLEP exams are offered at thousands of test centers (mostly college campuses and military bases), or online via College Board's remote proctoring. Test centers may add an administration fee.

5

Test day: 90 minutes

Bring a valid photo ID. The exam is computer-based. Most exams are 100 multiple-choice questions in 90 minutes.

6

Get your score immediately

For most exams, you'll see your score on screen as soon as you finish. 50 (on a 20-80 scale) is the ACE-recommended passing score — but each school sets its own.

7

Send scores to your school

You can send scores during registration or later through your CLEP account. There's a small fee per score report.

Who Should Take CLEP

High School Students

Earn college credits before you even start. Arrive at college with a semester already done.

Adult Learners

Your life experience counts. Adults often pass sociology, psychology, and business exams with minimal study.

Military Members

CLEP is completely free through DANTES. Many service members earn 30+ credits while serving.

Homeschoolers

CLEP provides an objective, widely-accepted way to demonstrate college-level knowledge.

Career Changers

Knock out gen-ed requirements quickly so you can focus on your new major.

Budget-Conscious Families

At $97 per exam (or $0 through Modern States), CLEP is the single best ROI in education.

Military Members: CLEP Is FREE Through DANTES

Active duty, Guard, and Reserve members (plus eligible spouses and civil service employees) can take CLEP exams free through the DANTES (Defense Activity for Non-Traditional Education Support) program. DANTES funds your first attempt at each exam title — and DANTES-funded and on-base test centers waive the administration fee too. Retakes are self-paid after a 3-month wait.

Many military bases have on-site testing centers. Some service members have earned 30+ credits through CLEP alone, covering an entire year of college before using a single day of GI Bill benefits.

Stack CLEP credits with your GI Bill to graduate faster or use benefits for a graduate degree

Learn more about maximizing military education benefits in our GI Bill guide.

Stacking CLEP with AP & Dual Enrollment

CLEP doesn't have to stand alone. The smartest students stack multiple credit sources to maximize savings:

Credit SourceCost per 3 CreditsBest For
CLEP$97 (or $0)Gen-ed subjects
AP Exams$99Subjects offered at your school
Dual Enrollment$0–$300Subjects not covered by CLEP/AP
University Course$1,500+Major-specific courses only

A strategic combination can cover your entire freshman year. Check out our AP vs. CLEP guide for a detailed comparison of when to use each.

How CD's Credit Lab Shows Which Schools Accept Which CLEPs

The hardest part of CLEP isn't the exam — it's figuring out which schools accept which exams and what scores they require. Acceptance policies vary wildly. One school might accept Intro Psychology with a score of 50, while another requires 60, and a third doesn't accept it at all.

College Decoded's Credit Lab solves this by letting you search CLEP acceptance policies across the 3,146 schools we've mapped, in seconds. See exactly which exams each school accepts, what scores you need, and how many credits you'll earn.

Depending on your school list, credit stacking with CLEP, AP, and dual enrollment can surface anywhere from about $6,500 in potential savings at a state school to $30,000+ at some private colleges. Results depend entirely on each school's credit policies.

Build Your CLEP Strategy

See exactly which CLEP exams your target schools accept, what scores you need, and how much you'll save. Our Credit Lab does the research for you.

Open Credit Lab