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How do students fare under transfer of credit arrangements? This paper reports a NZ [New Zealand] study of the first year university experience, academic performance, and subsequent persistence to completion, of 253 students who transferred with credit across sectors, from polytechnic certificate programs into a university Business Studies degree course. The survival of both transfer students who entered internal programs and those who studied through distance education is investigated and compared. The results are considered in the context of the comparative findings of a range of transfer survival studies from the US [United States], Canada and Australia.