Losing credits reduces graduation rates for transfer students

I would like them to drill down deeper.  Are the students starting in programs that don't typically transfer, like AAS programs?  Is it the time involved?  Cost?  Discouragement?  The article notes that graduation rates for transfer student is about 60%, matching the rate for students who start at universities. Hmmm.  From CBS Moneywatch.

Why many community college students don't graduate
The researchers, from the Graduate Center of the City University of New York, said the biggest obstacle to community college students in going on to obtain a bachelor's degree is lost college credits. The greater the credit loss, the less likely the student will earn a bachelor's degree. 
When examining transcripts that represented a national cross-section of college students, David Monaghan, a doctoral student, and Paul Attewell, a professor of education, discovered that roughly 14 percent of transfer students had to start nearly from scratch. Their new institutions accepted fewer than 10 percent of their community college credits. Only 58 percent of transfer students were able to move more than 90 percent of their credits to four-year institutions. The remaining 28 percent of transfer students lost between 10 percent and 89 percent of their credits. 
Students who managed to get almost all of their credits to transfer were 2.5 times more likely to earn a four-year degree than their peers who lost more than half of their credits, according to the report, which was funded by the Bill and Melinda Gates Foundation.

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