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Removing Credit Transfer Barriers Key to Improving Higher Ed Completion Rates

Dr. Andrew J. SeligsohnDr. Andrew J. SeligsohnHigher education in the United States has come under increasing scrutiny — but not always for the right reasons. Critics claim that colleges and universities award degrees with little economic value, limit ideological expression on campus, and operate primarily for their own financial interests, rather than as institutions of shared public value. While much in this narrative is false, it nonetheless affects the public’s attitude toward higher education and individuals’ decisions about pursuing a postsecondary degree, which may be detrimental to their economic interest.

When these critiques are made in bad faith, we should counter them with facts about the value of college attainment. It remains true for example, that a college degree is likely to yield a significant boost in earnings. Nonetheless, anyone who cares about higher education must also ask why these arguments resonate so deeply with the public. Where real frustrations are fueling legitimate skepticism, addressing those concerns can both improve higher education’s reputation and enhance its value for students, families, and society. Since the experiences that give rise to frustration and receptivity to attacks on higher education are personal experiences, it pays to drill down into the particulars to figure out what’s going on.

In that spirit, Public Agenda, in partnership with Sova and the Beyond Transfer Policy Advisory Board, set out to deepen our collective understanding of learner experiences with the credit transfer process. We knew from research on enrolled students that transfer was a source of pain for many learners. But we didn’t know how many people were affected, how much it mattered to them, and how it shaped their views of higher education more broadly. With support from ECMC Foundation, we fielded a national survey of adult Americans that interrogates transfer experience and outcomes. 

Dr. Lara CouturierDr. Lara CouturierThe findings were striking, and they should serve as a call to action for institutions of higher education. Nearly 4 in 10 respondents reported that they had tried to transfer credit toward a college degree or credential. This included credits earned at a previous college or university, as well as credits earned from nontraditional sources. In fact, more than a third attempted to transfer credits earned from workplace training, military experience, industry certification, vocational or trade school, or other prior learning. With more households feeling the cost of inflation and needing to upskill to survive in this economy, and more higher education institutions facing enrollment declines, we should be finding ways to develop more on-ramps and clear the path to a college degree.

Unfortunately, the survey revealed that Americans who attempt to transfer encounter convoluted paths, often losing credit hours, money, and motivation along the way. One in five respondents reported having to repeat a class they had already taken because their credits didn’t transfer. Thirteen percent reported running out of financial aid as a result of having to repeat courses. And, most concerning, 16% reported that they gave up on pursuing a college degree or credential because the process of transferring was so difficult. It’s clear difficulties with transfer are not only inconveniences — they’re significant financial burdens and barriers to completion.

We also sought to understand how these direct experiences shape individuals’ broader attitudes toward higher education. We found it profoundly troubling that 74% of respondents who had tried to transfer credit agreed with the statement that two- and four-year higher education institutions care more about making money than about educating students. In fact, respondents who had tried to transfer credit were more likely to hold this jaded view than those who had attended college but had not transferred or those who had no prior experience with higher education. So while some of the current attacks on higher education may be in bad faith, it should not be surprising that they find a receptive audience among so many Americans who recall feeling personally misled. 

We know, then, that credit transfer needs reform — but what exactly does that look like? Public Agenda also surveyed Americans about potential interventions, and the results are promising. First, when asked what should happen to a college with a track record of not accepting many credits for transfer, Americans felt public accountability would be more helpful than heavy-handed punitive approaches. Fifty-four percent of Democrats and 47% of Republicans agreed that institutions should have to make a plan to improve credit transfer rates. Conversely, just one-third of Republicans and Democrats thought colleges should lose their funding. But what might go into a plan for improvement? Our survey found broad support among Republicans, Democrats, and independents for a variety of policies intended to make it easier for students to transfer credits. Support is notably strong for requiring that students have free and easy access to their transcripts, credentials, and degrees; requiring institutions to create public databases with transfer information; and requiring that prospective transfer students are quickly told how many credits will be accepted. 

The benefits of a better transfer process are clear and compelling. Students would face fewer obstacles to completing their degrees, leading to higher graduation rates, better individual economic outcomes, and broader prosperity. Just as importantly, higher education would rebuild trust with the public by showing that institutions are committed to serving students—not just collecting tuition dollars. And the benefits of this renewed trust extend beyond the higher education system. The perception that public institutions don’t care about ordinary Americans is a key element of the challenge our broader democracy is facing. Since the education system is a direct way many people interact with our government, restoring confidence that higher education works for all Americans can further inspire faith in public institutions.

If we ignore issues like the broken credit transfer system, skepticism about higher education will continue to fester. Worse, more students may give up on college altogether, missing out on opportunities for personal and professional growth—all of which ultimately erodes our democracy. Pushing back against misinformation isn’t the only way to defend higher education; we must acknowledge and address the real barriers students face. Credit transfer is an experience shared by many with cross-partisan support for reform—now is the time to act. Reforming the transfer process won’t solve every challenge facing higher education, but it’s a clear and necessary step toward improving the system for the good of both students and institutions themselves.

Dr. Andrew J. Seligsohn is president of Public Agenda, a national research-to-action organization. Dr. Lara Couturier is a partner at Sova, a higher ed advocacy organization.

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