Publications

As of 2023, 43.6 million borrowers owe more than $1.7 trillion in student loan debt. The burden of debt negatively impacts borrowers' ability to provide for their families, purchase a car, or buy a home. However, there is another, often overlooked, institutional debt that students may owe their former institutions after stopping out. It is estimated that 6.6 million students owe $15 billion in unpaid balances to their institutions.

Since June 2019, the Articulation of Credit Transfer project (ACT) has focused on streamlining the information, advising, and administrative processes concerning how credits from one City University of New York (CUNY) institution transfer to another CUNY institution. This work addresses a critical challenge at CUNY, and indeed, across American higher education. When students transfer from one college to another, they frequently are unable to count their previously earned credits toward degree requirements at their new institution, jeopardizing their ability to…