Education and training beyond high school matters, preparing students to contribute to their communities, allowing them to lead healthier and more productive lives, and strengthening the economy. In today's economy, higher education is increasingly important for those seeking jobs that pay a living wage. Unfortunately, many Ohio policies work against the state's goal that by 2025, 65% of Ohioans aged 25 to 64 will have a degree, certificate, or other postsecondary workforce credential of value. Among the barriers are weak state funding for public colleges and universities and insufficient, poorly structured need-based aid. Another barrier is state law requiring public higher-education institutions to certify student debt to the Ohio Attorney General's Office (AGO) for collection. Debts include not only unpaid tuition, but library and lab fees, fines for non-payment, parking fines, and other fees not directly related to tuition. These practices are separate from loans students have taken to pay for school, which are generally owed to the federal government or other third-party lenders, and do not result in transcript withholding. The analysis in this report found that these policies are more likely to present barriers for students attending the state's two-year community colleges, which enroll more people who historically have had less access to postsecondary education, including Black and Latinx students, older students, and first-generation students. The number of debts per student is higher at two-year schools than it is at four-year schools. The report concludes with recommendations policymakers seek to address the problems created by current state law regarding student-debt collection and school-level practices on transcript withholding. [Additional support provided by College Now Greater Cleveland.]