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Today’s postsecondary students accumulate credits from various sources of learning, and most attend multiple institutions on their path to earning a credential. This presents challenges for the states, systems, and institutions as they work to support these students on their educational journeys. To help the higher education community find solutions, Ithaka S+R and Complete College America are launching a coalition of institutions committed to advancing comprehensive methods of credit transfer. We call this approach holistic credit mobility. …

The typical postsecondary student of 2024 accumulates credits from multiple sources and attends multiple institutions before earning a credential. Yet many of our state, system, and institutional policies and practices have not adapted to this reality. To help address this challenge and support the higher education community in better serving today’s mobile students, Ithaka S+R and Complete College America are collaborating on a new, multi-faceted project, with funding from Ascendium Education Group. Through conducting research, launching a cohort of networks…

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…

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…

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…

In January 2023, the ACT team and CUNY introduced several new features on CUNY T-Rex, which included a refreshed homepage, a student portal for CUNY students to access their transcript and explore how their courses are applied across CUNY colleges, and functionality to let users explore how course credits (from both CUNY and non-CUNY institutions) and CPL apply at various CUNY colleges and to major and minor requirements. Today, we are pleased to announce the launch of additional, new features…

Losing credits when transferring to a new institution is a major barrier preventing many college students from earning a degree. Providing better information about how credits transfer, and providing that information early enough to enable students and advisors to plan, are crucial steps to tearing down that barrier. With an additional $4.4 million in philanthropic funding, the groundbreaking Transfer Explorer is poised to take those steps, at scale.

Successfully addressing student debt, transcript holds, and re-enrollment for adult learners often requires cross-organizational partnerships. The Ohio College Comeback Compact is doing exactly that in northeast Ohio. A regional collaborative of eight public colleges and universities, the Ohio Department of Higher Education, Ithaka S+R, and College Now Greater Cleveland, the Ohio Compact is an innovative program allowing students to return to one of the participating institutions despite owing institutional debt that likely resulted in a transcript hold.

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…

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…