University of Maryland Global Campus

MATH 105: Topics for Mathematical Literacy

A study guide to UMGC's MATH 105, a general education mathematics course on modeling, personal finance, probability, logic and statistical reasoning.

Updated October 2026 · 5 min read

MATH 105 at the University of Maryland Global Campus is a three-credit course for students who do not need a college algebra, statistics or higher-level mathematics course. UMGC notes that it meets the general education requirement in mathematics.

The catalog describes an investigation of contemporary topics: exponential and logarithmic modeling, personal finance, probability, basic logical thinking and statistical reasoning. The challenge is mostly in translating real situations into mathematics and explaining results clearly.

Course at a Glance

ItemDetails
UniversityUniversity of Maryland Global Campus
Course codeMATH 105
Credits3
LevelUndergraduate, general education mathematics
Intended forStudents who do not need college algebra, statistics or higher mathematics
Typical workApplied problems, short explanations and calculations (general; check your term)

What MATH 105 Covers

TopicWhat you work on
Exponential and logarithmic modelingGrowth and decay, doubling times, and what a logarithm reverses
Personal financeInterest, savings, loans and comparing options
ProbabilityChances of events and combining them
Basic logical thinkingStatements, reasoning and spotting faulty arguments
Statistical reasoningReading data and judging claims

Key Concepts Explained

Exponential Growth

When a quantity doubles every d units of time, its size after t units is the starting size times 2 raised to t/d.

Example: A quantity of 200 that doubles every 3 years is 200 x 2^(9/3) = 200 x 8 = 1,600 after 9 years.

Probability of at Least One

It is usually easier to find the chance of none and subtract from 1.

Example: If each of 3 independent attempts has a 0.2 chance of success, the chance of at least one success is 1 - 0.8^3 = 1 - 0.512 = 0.488.

Judging Statistical Claims

Ask who was sampled, how many, and what is being compared. A percentage without its base can mislead, so write the base next to every percentage you report.

Typical Assignments and How to Approach Them

Assignment typeWhat it testsHow to approach it
Finance problemsUsing interest ideas for real decisionsDefine each quantity, choose the formula and compare options in a sentence
Modeling problemsExponential and logarithmic thinkingCheck your model against a known value before using it
Probability and logic tasksClear reasoningWrite the event, the rule used and the answer as a probability between 0 and 1
Interpretation questionsReading data criticallyState the claim, the evidence and one limitation

Setting up Word Problems

Most errors begin before any calculation. Read the problem twice, underline the quantities, and write what you need to find. Then choose the model: linear, exponential, probability or logic.

Clue in the wordingLikely model
Doubles, halves, grows by a percentageExponential
At least one, chance ofProbability
Interest, balance, loanFinance formula
If, then, thereforeLogic

A Worked Finance Comparison

You deposit $500 for 2 years at 4% a year. With simple interest the total is 500 + 500 x 0.04 x 2 = $540. With annual compounding it is 500 x 1.04^2 = 500 x 1.0816 = $540.80.

Takeaway: Compounding adds interest on interest, so the gap grows with time and rate. For short periods it is small, which is worth saying in an explanation.

Before You Submit

Statistical Reasoning in Everyday Claims

The course asks you to reason about statistics you meet in the news and at work. Typical questions include whether a sample is representative, whether a percentage change is taken from the right base, and whether a graph's axis exaggerates a difference.

A change from 2 to 3 is a 50 percent increase, yet only one unit. Stating both the relative and the absolute change prevents misleading summaries and shows the examiner that you understand the claim.

A Four-Week Study Pattern

Because the course touches several areas, rotate through them instead of finishing one at a time. This plan is a suggestion; adjust it to your term calendar.

WeekFocusCheck yourself by
1Exponential models and logarithmsExplaining doubling time in a sentence
2Personal financeComparing two loan or savings options
3Probability and logicSolving an at-least-one problem both ways
4Statistical reasoningCritiquing a news statistic

Where Students Get Stuck

Study Tips for MATH 105

How We Help with MATH 105

Send the problem set, your notes and your working. A maths tutor can explain each method, prepare fully worked solutions to study from, or check your steps.

GradeEssays is independent and not affiliated with University of Maryland Global Campus. Our work is a study and reference aid: use it to understand the method, then complete and submit your own work under UMGC's academic integrity policy.

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Frequently Asked Questions

Who is MATH 105 for?

UMGC says it is for students who do not need a college algebra, statistics or higher-level mathematics course, and it meets the general education mathematics requirement.

What topics does MATH 105 cover?

Exponential and logarithmic modeling, personal finance, probability, basic logical thinking and statistical reasoning.

Is there a prerequisite?

The catalog entry shows none.

Is it the same as MATH 107?

No. MATH 107 is College Algebra and has a more algebraic focus.

Do I need a calculator?

Check your course instructions for allowed tools.

Can you check my working?

Yes. We review your setup and calculation and explain any corrections.