Given financial barriers facing community college students today, and workforce projections in science, technical, engineering, and math (STEM) fields, the costs of unnecessary delays while navigating transfer pathways are high. In this phenomenological study, we analyzed the delay experiences of 172 students (65% female) navigating community college transfer pathways in STEM fields in Massachusetts. When focusing on institutional delays, three central elements emerged: (a) informational setbacks from dissatisfactory advising, (b) imperfect program alignment with four-year institutions, and (c) college resource limitations. Students took unnecessary courses or could not get into courses in a timely manner, resulting in lost time, money, and credit. An accumulation of delays is particularly detrimental to STEM women and men, given the sequential nature of their programming. Implications for policy and practice are discussed. (Contains 1 table.)