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New Insights on Sources of Credit Loss

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Title: New Insights on Sources of Credit Loss
Language: English
Authors: Matt S. Giani (ORCID 0000-0001-7257-7253), Lauren Schudde (ORCID 0000-0003-3851-1343), Tasneem Sultana (ORCID 0009-0005-4272-3949)
Source: Educational Researcher. 2026 55(4):281-285.
Availability: SAGE Publications. 2455 Teller Road, Thousand Oaks, CA 91320. Tel: 800-818-7243; Tel: 805-499-9774; Fax: 800-583-2665; e-mail: journals@sagepub.com; Web site: https://sagepub.com
Peer Reviewed: Y
Page Count: 5
Publication Date: 2026
Sponsoring Agency: Eunice Kennedy Shriver National Institute of Child Health and Human Development (NICHD) (DHHS/NIH)
Contract Number: P2CHD042849
T32HD007081
Document Type: Journal Articles
Reports - Research
Education Level: Higher Education
Postsecondary Education
Descriptors: College Transfer Students, College Credits, Majors (Students), Public Colleges
Geographic Terms: Texas
DOI: 10.3102/0013189X251410173
ISSN: 0013-189X
1935-102X
Abstract: Many students who transfer between postsecondary institutions lose credits, which may sap academic momentum and increase college costs. Despite anecdotal evidence of major credit loss (MCL), where students cannot apply transferred credits toward their major, data limitations have hindered analyses of its magnitude or causes. Using novel administrative data in Texas, we measure MCL for a statewide sample of 2020-2022 vertical transfer students, compare it to estimates of general credit loss (GCL), and examine how it varies across student populations, majors, and universities. Our analyses show that MCL is roughly as prevalent as GCL and varies considerably across universities. Our results suggest promising directions for research and reforms that may mitigate credit loss.
Abstractor: As Provided
Entry Date: 2026
Accession Number: EJ1503712
Database: ERIC
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  Data: <searchLink fieldCode="AR" term="%22Matt+S%2E+Giani%22">Matt S. Giani</searchLink> (ORCID <externalLink term="https://orcid.org/0000-0001-7257-7253">0000-0001-7257-7253</externalLink>)<br /><searchLink fieldCode="AR" term="%22Lauren+Schudde%22">Lauren Schudde</searchLink> (ORCID <externalLink term="https://orcid.org/0000-0003-3851-1343">0000-0003-3851-1343</externalLink>)<br /><searchLink fieldCode="AR" term="%22Tasneem+Sultana%22">Tasneem Sultana</searchLink> (ORCID <externalLink term="https://orcid.org/0009-0005-4272-3949">0009-0005-4272-3949</externalLink>)
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  Data: SAGE Publications. 2455 Teller Road, Thousand Oaks, CA 91320. Tel: 800-818-7243; Tel: 805-499-9774; Fax: 800-583-2665; e-mail: journals@sagepub.com; Web site: https://sagepub.com
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  Data: Eunice Kennedy Shriver National Institute of Child Health and Human Development (NICHD) (DHHS/NIH)
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  Data: 10.3102/0013189X251410173
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  Data: 0013-189X<br />1935-102X
– Name: Abstract
  Label: Abstract
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  Data: Many students who transfer between postsecondary institutions lose credits, which may sap academic momentum and increase college costs. Despite anecdotal evidence of major credit loss (MCL), where students cannot apply transferred credits toward their major, data limitations have hindered analyses of its magnitude or causes. Using novel administrative data in Texas, we measure MCL for a statewide sample of 2020-2022 vertical transfer students, compare it to estimates of general credit loss (GCL), and examine how it varies across student populations, majors, and universities. Our analyses show that MCL is roughly as prevalent as GCL and varies considerably across universities. Our results suggest promising directions for research and reforms that may mitigate credit loss.
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