Time requirements [edit]. An associate degree is awarded to students who complete 90 quarter credit hours or 60 semester credit hours of schooling. Typically, on a full-time schedule, this requires two years to complete.onversely, high school graduates who enter college with a high amount of transfer credits (AP, AICE, IB, CLEP) could finish the degree in less than two years. In rare circumstances, some students take one year to earn the associate degree.
Home âº Credit Score A-Z âº Average Fico Score 2015. While the average Fico score in the United States is 634, the score between states can vary considerably. Because of the increasing number of auto loans, mortgages and credit card balances, the U.S. seem to have a relatively low national average credit score.
1 Standard FHA guidelines and regulations apply, yet many lenders do require a 580 FICO score. 2  For greater loan amounts on purchases, minimum FICO scores increase to 600 on Purchase, Rate / Term refinances and to 640 on cash-out refinances.  Maximum Debt to Income Ratio's are 43%.