Sam Richard

Sam has built his career across two continents and two industries — finance and education. He worked in finance in Canada and Australia before moving into higher education, where he founded colleges in Canada and now works with off-campus organizations in the UK. His specialty is the practical mechanics of credit transfer: how students can earn credits efficiently, move them across borders, and finish their degree without paying twice. He writes about the financial and academic strategies he wishes more students knew about before they enroll.