At least one in three undergraduates attends more than one college, but we know little about how
students decide to transfer. Most studies about transfer are retrospective, quantitative, and/or
restricted to students who complete a transfer, thus missing the process through which students
reach transfer decisions. In contrast, this mixed methods, longitudinal study prospectively
examines a cohort of students across multiple colleges and universities over time. Based on data
from more than 200 interviews with 50 students from low-income Wisconsin families, we find
that about half of students consider transferring, but a substantial percentage ultimately decide to
persist at their initial institution. Other studies have ignored the deliberation process—and
existence—of this group. For all students who consider transfer, we illuminate a process of
discussion and reflection that is shaped by social class and social capital.