Showing results for: stranded credits
Blog Post
November 30, 2023
Improving Data Collection and Management Practices to Understand Stranded Credits
Institutional debt is an understudied and overlooked type of student debt that hinders stopped-out students’ ability to complete or further their education. This specific debt often results in “stranded credits”—earned credits that students cannot access because their former institution is withholding their transcript or blocking registration until they settle their unpaid balance. Institution record systems are not designed to facilitate easy access to understanding who is affected by stranded credits. But, with small changes and greater collaboration, institutions…
Blog Post
November 9, 2023
Who Has Stranded Credits?
Insights from a New Ithaka S+R Survey
In August 2022, the Ohio College Comeback Compact (“Ohio Compact” or “Compact”) was launched to offer a pathway to re-enrollment for stopped-out college students with stranded credits in the Northeast Ohio region. The Compact allows stopped-out students to return to any of the eight participating public colleges and universities despite owing institutional debt and having their transcript withheld. Through the Compact, students are eligible to receive up to $5,000 in debt forgiveness and a release of their transcript…
Blog Post
August 15, 2022
Stranded Credits: State-Level Actions and Opportunities
Over the past several years, state and federal regulators have increasingly scrutinized the practice of transcript withholding. As of June 15, 2022, five states have pending bills and eight states have enacted bills that prohibit postsecondary institutions from withholding transcripts. Without transcript holds, students will be able to re-enroll in college, transfer to an institution that better fits their needs, apply for jobs that require postsecondary degrees, and potentially be in a better position to pay off their educational debt.
Blog Post
August 2, 2022
New Opportunity for Stopped-Out College Students in Northeast Ohio to Settle Debt and Access Stranded Credits
Ohio College Comeback Compact Launches Summer 2022
Thousands of college students in Northeast Ohio who left school without a degree and owe money to their former college now have a pathway back to settle the debt and continue their education. Beginning this month, the Ohio College Comeback Compact is contacting approximately 15,000 students with a new proposition: come back to any public college in the region, even if you owe money and your transcript is being held because of it. Eligible students who…
Blog Post
December 8, 2021
A Sustainable Solution to Settle Students’ Debt and Release Stranded Credits
Ithaka S+R and Eight Ohio Public Institutions Announce Promising New Pilot
Since publishing our first report on the subject in October 2020, Ithaka S+R has been at the forefront of defining the problem of stranded credits. We are now moving ahead with testing a potentially groundbreaking solution. “Stranded credits” are credits that students have earned but can’t access because their former institution is holding their transcript as collateral for an unpaid balance to the institution. Ninety-five percent of…
Blog Post
May 4, 2021
A State-by-State Snapshot of Stranded Credits Data and Policy
As the higher education sector begins to address the adverse effects of the pandemic on enrollment, institutions and policymakers alike have begun to turn their attention to a pernicious form of debt that could be preventing over six million students, especially low-income students and students of color, from re-enrolling and earning their degrees. This form of debt prevents students from accessing their transcripts at institutions they attended in the past, leading those previously earned credits to become “stranded” at…
Blog Post
October 5, 2020
“Stranded Credits”
New Report Explores Scope and Effects of Transcript Withholding
In the past 20 years, over thirty-six million Americans have left higher education without earning a postsecondary degree or credential. Those with some college experience but no degree are often left in debt without the requisite labor market opportunities to pay it off, and can struggle financially for several years after dropping out. These impacts are particularly deleterious for students of color, who are often saddled with an…
Blog Post
February 13, 2024
No Longer Stranded?
How New Department of Education Rule Creates Opportunities for Students and Institutions
In 2020, Ithaka S+R estimated that approximately 6.6 million students did not have access to their educational transcripts due to past due balances, resulting in stranded credits. This challenge may impact any student, but our research indicated it was more likely to affect students who identified as women, racial and ethnic minorities, and those from low-income backgrounds. During our initial investigation of stranded credits, we found that nearly all higher education institutions used transcript holds as a tool to…
Blog Post
October 11, 2022
CFPB Ends Transcript Withholding for Students Owing Institutional Loans
Last week, the Consumer Finance Protection Bureau (CFPB) issued new guidance that postsecondary institutions cannot withhold academic transcripts from students owing past due institutional loan payments. The action is part of a series of decisions aimed at regulating institutionally-based aid programs such as loans and Income Share Agreements, or ISAs. This move protects some students with stranded credits, or credits students have earned but cannot document because of a past due balance.
Blog Post
March 19, 2025
How Have Institutions Responded to Transcript Withholding Limitations?
In recent years, institutions have started to move away from the practice of stopping students with unpaid balances from accessing their official transcripts. These transcript holds have been criticized as ineffective tools for debt collection and for their role in the creation of stranded credits, credits students have earned but cannot access. In July 2024, regulations from the Department of Education went into effect that limited this practice. By that time, at least 13 states had already adopted similar…
Blog Post
January 14, 2025
Supporting Adult Learners and Boosting Degree Completion in Tennessee
Announcing a New Project
Ithaka S+R is excited to announce a collaboration with the Tennessee Board of Regents (TBR) and the Tennessee Higher Education Commission (THEC) to better understand the challenges faced by Tennesseans with some college but no credential who have been prevented from continuing their education due to administrative holds and past due balances, often called stranded credits. TBR governs the College System of Tennessee, the state’s public community and technical colleges. As a leader in state strategies to promote…
Blog Post
October 28, 2024
Turning Debt into Credentials
The Ohio College Comeback Compact Continues to Benefit Adult Learners, Institutions, and Northeast Ohio
After a successful pilot year and transition to full program implementation, the Ohio College Comeback Compact continues to show growth and positive student outcomes for adults with some college but no credential who departed postsecondary education with past due balances. With continued generous support from Lumina Foundation, The Kresge Foundation, and the Joyce Foundation, Ithaka S+R is pleased to continue partnering with the eight public colleges and universities in Northeast Ohio for the third year of the Compact.
Blog Post
May 9, 2024
From Debt to Degrees
Evaluating the Ohio College Comeback Compact
Across the US, the number of individuals who started college but stopped out before attaining a degree has continued to grow. Research shows that earning an associate’s degree, bachelor’s degree, or a targeted credential has wide-ranging benefits, from increased lifetime earnings to improved health outcomes. Postsecondary institutions and regional economies also benefit when students re-enroll and complete programs. Returning students face unique challenges to re-enrollment and completion, and this is especially true for students with past-due balances at their…
Blog Post
April 25, 2024
Removing Barriers to Re-Enrollment for Adult Learners
Announcing A New Technical Assistance Project in Kentucky
In collaboration with the Kentucky Council for Postsecondary Education (CPE), Ithaka S+R is providing research and consulting to identify barriers to re-enrolling adult learners who have stopped out and assess intervention opportunities to improve adult learner re-enrollment in Kentucky. This project builds on Ithaka S+R’s prior research, implementation, and evaluation efforts to address stranded credits—credits that students have earned but cannot access because of administrative holds placed by the college or university they previously attended as collateral…
Blog Post
November 8, 2023
Op-Ed in The Hill Highlights Opportunities Following Education Department’s New Transcript Withholding Ban
Almost exactly three years after Ithaka S+R first published national research on “stranded credits”—credits that students have earned but can’t access because their college is holding their transcript and blocking registration until they pay a balance due—the federal government is on the verge of eliminating transcript withholding as a debt collection practice. In a new op-ed in The Hill, we discuss a package of regulations issued by the US Education Department and aimed at protecting beneficiaries of…
Blog Post
September 27, 2023
After Successful Pilot, the Ohio College Comeback Compact Moves to Full Implementation
The Ohio College Comeback Compact successfully concluded its pilot year, demonstrating proof of concept for a novel program aimed at re-enrolling college students with stranded credits and settling the institutional debt they owed their former institutions. The Compact is advancing to a full implementation at the eight original public colleges and universities in Northeast Ohio for the 2023-24 academic year. And, with generous support from Lumina Foundation, The Kresge Foundation, and the Joyce Foundation, Ithaka S+R will be…
Blog Post
May 2, 2022
Addressing Food Insecurity Will Pay Off for States
In order to achieve their ambitious attainment goals, most states will need to rapidly increase credential production. Increasing attainment improves a state’s fiscal outlook, increases individual wages, improves individual health and life outcomes, and increases civic engagement. However, our research suggests that most states’ goals will remain out of reach unless their plans…
Blog Post
March 10, 2022
A Preliminary Analysis of Debt Forgiveness Programs
The COVID-19 pandemic spotlighted the ever-increasing amount and crushing effects of student debt, including debts owed directly to postsecondary institutions. In an earlier report, Solving Stranded Credits, we estimated that roughly 6.6 million students owe over $15 billion in unpaid balances to colleges and universities in the United States. The weight of institutional debt can leave students feeling defeated, forcing many to avoid pursuing postsecondary education altogether. On a national scale, these debts…
Blog Post
August 30, 2021
Collecting Data on New Debt Relief Programs
What’s the Impact on Stranded Credits and Student Outcomes?
Stranded credits, or academic credits previously earned but inaccessible due to an outstanding debt to an institution, impact an estimated 6.6 million students across the country. Students affected by stranded credits represent nearly one-sixth of the estimated 36 million students who left college with some credit, but no degree, and are more likely to be students of color and from lower-income backgrounds. Recently, the issue of stranded credits…
Blog Post
August 17, 2021
“It pushes you down even further”
Documenting the Burden of Stranded Credits Through the Voices of Those Affected
In October 2020, Ithaka S+R estimated that 6.6 million people in the US owe a debt to a college or university they previously attended, and because of that, cannot access their transcripts or credentials. This insidious and understudied form of student debt not only saddles individuals with collections, credit rating issues, and other typical consequences of debt, but also prevents them from using credits and credentials they’ve earned to continue their education or…
Blog Post
April 17, 2025
How Is Kentucky Supporting Adult Learner Engagement?
A New Brief Shares Lessons Learned
Across the nation, there are 36.8 million individuals under the age of 65 with some college and no credential. Approximately 557,000 of these learners have stopped out from Kentucky colleges and universities. Re-enrolling adult learners with some college, no credential is a growing priority across the US and in Kentucky. Credential completion helps individuals get high paying jobs, brings in new tuition revenue for institutions, and helps regions develop a workforce needed for a healthy economy. Individuals and…
Blog Post
February 5, 2025
Adult Learner Community of Practice Launched
Over 50 Institutions Across Pennsylvania Participating
In December 2024, Ithaka S+R, in collaboration with the Pennsylvania Department of Education, launched the Adult Learner Re-Engagement Community of Practice. Already, institutions across Pennsylvania are demonstrating their commitment to developing innovative solutions for re-enrolling adult learners. A total of 93 representatives from 51 institutions, including public and private colleges, occupational training providers, community colleges, and universities, have joined this year-long engagement. The group encompasses a wide variety of offices and roles, from academic affairs and admissions to adult…
Blog Post
November 12, 2024
Improving Re-Enrollment for Adult Learners with Some College, No Degree
Announcing a New Project with the New Jersey Office of the Secretary of Higher Education
As states and postsecondary institutions work to achieve critical degree attainment and workforce development goals, establishing policies and practices to effectively support adult learners who have some college but no degree is crucial. Through the statewide “Some College, No Degree” initiative, the New Jersey Office of the Secretary of Higher Education (OSHE) is working to increase adult learner re-enrollment and degree completion in the state. Beginning fall 2024, the New Jersey OSHE and Ithaka S+R are working together to…
Blog Post
November 1, 2024
Pennsylvania Adult Learner Re-Engagement Community of Practice
New Project Announcement and Call to Participate
Higher education institutions currently face the unique challenge of maintaining enrollment in the face of demographic cliffs and changing attitudes towards the value of higher education. One area where institutions may see growth is in re-engaging their own pool of stopped out students who are now adult learners with some college credits and no credential (SCNC). The recent regulation limiting transcript withholding by the US Department of Education creates an opportunity for institutions to identify clear pathways for their stopped…
Blog Post
October 10, 2024
Assessing Administrative Holds and Institutional Debts for Stopped Out Students
A New Project to Support Adult Learner Re-engagement in North Carolina
North Carolina is expanding higher education engagement efforts to adult learners. The University of North Carolina System has dedicated substantial resources to improve infrastructure and program delivery to enroll adult learners and re-engage those who have previously stopped out in their educational journeys. To support this ongoing work of reaching degree attainment and workforce development goals, Ithaka S+R is collaborating with the University of North Carolina (UNC) system office to analyze the scope of administrative holds for unpaid balances, which…