Heading in the Right Direction? Examining the Relationship of Transfer Patterns and Income Status on College Student Outcomes.

Given the prevalence of transfer activity, education stakeholders must understand how transfer may be associated with student outcomes. Such knowledge is critical, as the COVID-19 pandemic and economic downturn have impacted college enrollment and student transfer behavior. Relying on a sample of 6510 undergraduate students from BPS:12/17 data, we conducted analyses using multiple regression to examine the relationship between student transfer direction and two student outcomes: time to degree and cumulative loan debt. Further, we analyzed whether these relationships varied by income status, using adjusted gross income (AGI) as a proxy. We found that transferring from one postsecondary institution to another may extend time to degree by one academic semester and result in increased student loan debt, with these findings varying by income level.