I started my studies at UoM on July 2008, I will have 9 credits by the end of August. That leaves 21 credits, or 7 courses to be taken during the Fall and Winter semesters. I have chosen 4 for Fall and 3 for Winter.
The application deadline does not allow you to fulfill your credit requirements from the summer semester immediately before the program start date. Therefore for fall and winter you would have to take 5 classes each semester if you did not attend classes THIS summer.