Conversations regarding increasing 4-year student completion rates has sparked debate on the effectiveness of incentivizing students to take more credits each semester. California currently provides one of the largest incentive programs in the country, offering a variety of grants to students who take 12-15 credits per semester. There is general consensus to focus efforts to move students through to graduation, and research of financial incentive programs has more often shown positive impacts; however, the debate is around how to best implement.