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Transferring from Ryerson bcomm to UTM

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Hi, I was wondering how difficult it would be to transfer from ryerson bcomm to utm bcom? would you do this after first year? first semester? how do transfer credits work? will this set me back a year?
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I was also wondering about this a few weeks ago. I called UTM Admissions and they said that the maximum transferable credits they allow Commerce stduents is 3.5, which is equivalent to about half a year. So yes, you would be set back a year if you transferred.
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