Calculate Overall GPA

An overall or a cumulative GPA is an integral part of an internationally accepted system in the evaluation of a student’s academic performance in the whole career of his high school or collegiate years. By the end of each school term or semester, a student is awarded a GPA, or grade point average, which is an assessment of his performance in his studies, consisting of the various quizzes, tests, and final examinations that have taken place within the term.

As a general rule, a teacher or professor gauges the comprehension and ability of a student through these various exams, assignments, and written reports. By computing his whole performance within a given semester, grades are awarded to the student for each of his respective subjects or classes. The grades, which usually come as alphabetical letters, are given according to total aggregate marks scored by the student or on the basis of percentage of marks. After the end of all semesters, the final or overall GPA is calculated by taking the average of grade point earned from courses taken in all semesters.

To calculate overall GPA, on the other hand, all of the semester GPAs that have been accomplished in previous semesters are required. The methods in calculating the grade point average for high school and college students vary because of the different grading systems, but the basic principle in how to calculate overall GPA are similar.

To determine your current semester GPA, you will need to fill in your letter grade and course credit value for up to any number of courses. To calculate overall GPA, including your past and present scores, also include your GPA and credits to date.

By using a GPA Calculator, you need to enter the number of credits the class was worth, for example: 1-4. Enter the letter grade that you have received for each class or course, or, if you do not have a grade yet, the grade you think you will receive for each subject. Do this for each of your classes. After you have entered all of the necessary data, click on the compute or calculate button, and your semester credits and GPA will be generated within seconds.

To emphasize, calculate overall GPA by entering the total number of credits you have completed and the most recent semester GPA that you have received. Your GPA is calculated by dividing the grade points by the credits. The same steps apply as exemplified above. Your cumulative credits and GPA will be listed below.

Learning Day: What is GPA and how to calculate it

During your schooling years, there are two GPAs or grade point averages that are important to your academic standing. First, your semester grade point average is the average of your grades for any one particular semester of your high school or college career. Your GPA for a given semester is usually not as important as your cumulative GPA, but it does contribute to the latter, and your most recent semester GPA is probably the most important semester GPA to you.

Your cumulative grade point average, on the other hand, is the average of your accumulated semester GPAs during your entire high school or collegiate career. In evaluating applications to universities, post-graduate studies, and jobs, your cumulative grade point average is the will be considered. Indeed, your cumulative GPA will have the most bearing to gauge your skills and comprehension of your various subjects, and your overall academic performance. If you are transferring to another institution, it will also be used to determine if you are in good academic standing, if you can graduate, or if you are to be placed on probation.

As a general rule, GPA is calculated for courses in which you are awarded grades that come in the form of letters with corresponding values or grade points. If you take a course wherein subjects are only awarded P (passing) or F (failure), both will affect your grade point average. Particular grades that have been earned in courses and are transferred from other institutions are usually not included in the GPA calculation, but grades that have been earned at affiliated off-campus programs sometimes exchange and cross-registration agreements and are included in the GPA calculation.

Most colleges and universities across the United States calculate GPA on a 4.0 scale. The highest grade is an A, or A+, which is equivalent to 4.0. This is the standard grading scale at most colleges, and most high schools also adopt this grading system.

GPA is calculated by dividing the total amount of grade points earned by the total amount of credit hours that have been attempted. Normally, your grade point average may range from 0.0 to a 4.0. For example:

A                     =                      4.00 grade points
A-                    =                      3.70 grade points
B+                   =                      3.33 grade points
B                     =                      3.00 grade points
B-                    =                      2.70 grade points
C+                   =                      2.30 grade points
C                     =                      2.00 grade points
C-                    =                      1.70 grade points
D+                   =                      1.30 grade points
D                     =                      1.00 grade points
D-                    =                      0.70 grade points

WF/F                  =                     0 grade points


Here is an example of a student’s transcript:

Course                         Credit Hours               Grade                          Grade Points

Physics                        3                                  A                                 12

Math                            1                                  3                                  3

English                        3                                  C                                 6

Economics                   3                                  F                                  0

Total Credit Hours Attempted: 10                                                     Total Grade Points: 21

To calculate the GPA, the total grade points are divided by the total credit hours attempted.


Total Grade Points                                          divided by                   21

Total Credit Hours Attempted                       divided by                   10


Learning day: What is a Loan?

When an individual borrows money from a bank or a financial institution in return for a guarantee, it is called a loan. A loan is an arrangement where a banker or a financier offers property or money to the debtors with an agreement, that the borrower would repay the borrowed money or return the property within a certain period in the future. Generally, there is a predetermined time in which the mortgagor has to return the borrowed money with full interest.

Loans can be defined as money that is lent at interest. There are three types of loans, namely: credit, finance, and mortgage. Credit, in commerce and finance, is the term used to denote transactions involving the transfer of money or other property on promise of repayment, usually at a fixed future date. The transferor thereby becomes a creditor, and the transferee, a debtor; hence credit and debt are simply terms describing the same operation viewed from opposite standpoints.

Finance plays an important role in the economy. As banks, credit unions, and other financial institutions provide credit, they help expand the economy by directing funds from savers to borrowers. For example, a bank acquires large amounts of money from the deposits of individual savers. The bank does not let this money sit idle but instead provides loans to borrowers who might then build a house or expand a business. The savings of millions of people percolate through many financial institutions, spurring economic growth.

Furthermore, a loan has several types, and it can be classified in the following categories:

Secured loans – In this type of loan, the borrower has to guarantee some assets such as a property or a car as security with an agreement to pay back the finances within a given period of time. A secured loan is a very familiar debt instrument of sorts; in general, most individuals, especially families, use this type of loan in order to procure housing. In these cases the borrowed money is generally utilized to procure some properties. Examples of this type include: car debts, home debts, as well as loans for properties and for entrepreneurs.

Unsecured loans – A fiscal lend which is not protected with the debtor’s assets can be classified under the unsecured loans category. In such cases, the investment bankers or financiers have to endure the risk that the pledger may not return the money. These loans can be obtained from various financial institutions with numerous distinct market packages as: bank overdrafts, unsecured corporate bonds, private finances, credit or debit cards, and credit facilities. Because of the insecurity that is involved with these kinds of dealings, the interest rate in these cases is enormously different from the secured types of loans.