The directory provides current information designed to assist college students desiring to transfer in the selection of their new college or university. The handbook provides the specific information needed about transfer policies at 2,800 two-year and four-year U.S. colleges. College descriptions are alphabetical by state. In addition to general information on costs, degrees offered, and size, the college descriptions include: admissions and residency requirements; fall 1991 application deadlines; number of transfer applicants accepted; articulation programs with other colleges; services for transfer students; financial aid availability and the deadline for applying; and the percentage of students transferring from two-year programs. A guidance section helps students understand the complex transfer process and provides advice on planning ahead for maximum transfer of credit, making sound choices about where to transfer, budgeting resources, and dealing with "transfer shock." Special sections address the needs of community college students, returning adults, and high school students. (GLR)