<p>If you take less than 15 credits a semester, then you will not be on track to graduate on time. If time or money isn’t as much of an issue for you as grades, then take the 4 classes. But realize that it means you’re looking at summer or winter session classes (extra tuition) or an extra semester or two (if you keep to the 4 class schedule) or an overloaded semester later on when the classes get even harder.</p>