Universidad Adlofo Ibanez Credit Transfer Information Full-time credit load (undergraduate) At Universidad Adolfo Ibanez, every course meets for a total of 45 contact hours, which is equivalent of three credits at The University of Montana. Therefore, students are encouraged to enroll in five classes per semester, which will give students 15 UM semester credits. A minimum full time load per semester is four classes, equivalent to 12 UM semester credits. Grade conversion Adolfo Ibanez Grade U.S./UM Equivalent 6.0-7 (Muy Bien) A 5.0-5.9 (Bueno) B 4.0-4.9 (Suficiente) C 0-3.9 (Insuficiente) F Upper division Upper division credit may be granted upon approval by your advisor/department chair upon your return to The University of Montana. Save your coursework and class syllabi to earn such approval. Other notes Chilean transcripts will include the number of contact hours per class to assist UM in determining the appropriate number of credits.