The extra semester
Maria planned to take "Introduction to Business" and "Personal Finance" at her community college before transferring to a public university. The intro course transferred fine. Personal Finance counted only as a general elective and did not satisfy the university's required "Principles of Economics" for her business major.
Result: She had to take Economics at the university, adding one extra semester and about $4,200 in tuition and fees.
Lesson: Check whether a course satisfies a specific major requirement, not just general elective credit.