A study investigated bachelor's degree completion times and related factors for students in Oklahoma higher education institutions. Data were drawn from survey information on 1,399 college freshmen in 1995 and cohort data on the entire freshman population of 37,059 in 1988. Analyses focus on comparison of students' expected and actual time-to-degree (by age, race, gender, and institution type) and on other factors of interest in time-to-degree (student employment, advanced placement courses, College Level Examination Program, course load, and transfer). A separate section discusses factors that may negatively impact time-to-degree not examined in this study (changing majors, extracurricular activities, financial aid, and remediation). Recommendations concerning time-to-degree issues culled from other state and institutional studies are also examined, and this study's recommendations are presented. Appended materials include a brief review of literature on factors influencing degree completion time and a copy of the 1995 degree completion survey. (Contains 45 endnotes.) (MSE)