Here's the rule: 40/60/80 Rule: At the conclusion of the student-athlete’s sophomore year of college, the student-athlete needs to complete 40% of their degree program. At the conclusion of the student-athlete’s junior year, the student-athlete must complete 60% of their degree program. Lastly, at the conclusion of the student-athlete’s fourth year and beyond, they must complete 80% of their degree program. It's difficult to understand how these kids on their fourth year are transferring in enough credits to meet this rule. I guarantee your kid wouldn't be getting those transfer credits.