The transfer process includes areas such as academic preparation and advisement, transfer evaluation, financial aid, and psychosocial factors. A descriptive, exploratory method was employed to capture the perceptions of a transfer student cohort regarding their experiences in transitioning from lower division community college enrollment to upper-division, baccalaureate work. Using semistructured interviews within a focus group setting, and a follow-up survey, the study explored students' perceptions of the effectiveness of their transfer experience. Three factors were identified as impediments to a successful transfer experience: (a) the quality of academic advisement, (b) access to financial aid, and (c) social and cultural issues. (Contains 5 tables.)