Adding Number to Random Cell

Any help would be appreciated. I'm at a loss! I need to figure out how to add the value from a cell to the top number of a column. Sounds easy, except top row changes all the time.

This is the formula to determine where the top row is :

=IF(ROW(C14)>=H13,(E1+I8),"")

H13 is entered by a user based on what quarter a student enters into a school. So they can enter into the school during any one of the 16 quarters in a school year. They enter with a certain number of credits. Those credits are entered by the user also. I need to take those entered credits and plug them into the correct column that corresponds with the quarter. Dang, I hope that's not confusing.

In a nutshell, I need a simple formula that shows how many credits a new student needs each quarter to graduate. They usually come in behind, so the credits are different for each student. I take their current credits, how many quarters are left, divide those and add them into the remaining quarters so they come out with all 27 necessary credits to graduate.

I have everything working except adding in their current credits to the first quarter because that cell location changes with each student.