“…Researchers have examined how students' social class can affect their likelihood to transfer (Dowd et al, 2013;Eddy et al, 2006); how community colleges can perpetuate social stratification (Dougherty, 1987;Dougherty & Kienzl, 2006;Dowd & Melguizo, 2008;Karabel, 1972Karabel, , 1974Schudde & Goldrick-Rab, 2015); and how financial knowledge influences students' trajectories (e.g., Campbell et al, 2015;Carales, 2020;Dowd et al, 2013;Goldrick-Rab, 2006;Park & Assalone, 2019;Wells, 2008). Their studies have found that students from higher socioeconomic classes are more likely to transfer and persist in higher education.…”