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Community college transfer students often encounter challenges on their path to a bachelor’s degree, leading to widespread transfer credit loss. In turn, this may lower the chances of credential completion and increase the time and costs for students, their families, and taxpayers. A working paper from the Community College Research Center reviews three definitions of credit transfer inefficiency—credit transferability, credit applicability, and excess credits among completers—and why community college transfer students often end up with excess credits that do not count toward a bachelor’s degree.