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WASHINGTON -- Whether they called them "near-completers" or "ready adults" or "stop-outs," the educators and policy experts gathered here today agreed that people who have earned most but not all of the credits they need for a college degree should receive more attention.

"Kelley McDonald has always loved exploring new terrain. In home videos as early as age 3, "I'm always off by myself, looking under rocks or catching and studying bees," she says. Today, at 18, the Apple Valley, Minn., college student is studying for a science career in the fast-growing field of nanotechnology-working with materials at the molecular or atomic level. That makes her one of the lucky ones-a young adult whose career passion is in sync with one of the hot jobs of the near future."