Refers to the ability of learners to receive and carry with them verified college-level credit from a variety of high-quality learning experiences. These often include credit from dual (concurrent) enrollment, work-based learning, military experience, corporate training, digital badging, and prior learning assessment (recognition of prior learning).

Research has identified three necessary supports to enable state systems of higher education and higher education institutions to serve mobile students' transfer needs well (and achieve holistic credit mobility):

• State Policy:  State policy has been slow to attend to the financial disincentives higher education institutions face in the credit assessment and acceptance process.
• Responsive Institutional and Cross-Institutional Practices: Students face challenges from institutional or cross-institutional level practices that offer limited support to students who have withdrawn or stopped out, insufficient or ineffective student advising to encourage exploration of ways to gain credits outside of the classroom, and unclear pathways for moving between institutions.
• Supportive Technology: There is inconsistent or insufficient technological development to support reconciling learning from multiple sources, and the technologies that do exist are limited and fragmented.