Credits earned by a student and stored in the Academic Bank of Credit will, after the date of earning such credits, have validity up to a maximum of

Credits deposited in the Academic Bank of Credit remain valid for a maximum shelf life of seven years from the date they are earned.

A ten-year validity window would exceed the period actually allowed for stored credits.

A twelve-year span overstates how long banked credits stay usable.

Fifteen years is well beyond the permitted validity of accumulated credits.

The Academic Bank of Credit stores, transfers and redeems credits so learners can move between institutions.

Only registered higher education institutions can open credit accounts and deposit credits for students.