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B-On-Time Loan SAP
If you are interested in renewing your B-On-Time Loan, you are encouraged to do so by filing your renewal Free Application for Federal Student Aid (FAFSA) no later than April 1 prior to the upcoming academic year. If you have an incomplete financial aid file as of October 1, you will NOT be eligible to renew your B-On-Time Loan.
In addition to meeting the general eligibility requirements for the B-On-Time Loan (i.e., eligible for federal financial aid, enrolled full-time, etc.), you must meet the B-On-Time Satisfactory Academic Progress (SAP) requirements to maintain your eligibility. Failure to do so will result—according to state regulations—in your no longer being eligible to receive the B-On-Time Loan.
SAP Terms: Appeal Process | Completion Rate | Evaluation Period
| Eligibility based on High School Diploma | |||
|
| Cumulative GPA | Completion Rate | Max. hrs. |
| After 1st Year | Meet Satisfactory Academic Progress requirements for financial aid |
150 hrs. | |
| After 2nd Year | Overall 2.5 GPA | | 150 hrs. |
To receive the B-On-Time Loan, you must be eligible for federal financial aid (as determined by the FAFSA) and enrolled full-time.
| Eligibility based on Associate's Degree | |||
|
| Cumulative GPA | Completion Rate | Max. hrs. |
| After 1st Year | Overall 2.5 GPA | 75% of attempted hrs. in past year |
150 hrs. |
| After 2nd Year | Overall 2.5 GPA | | 150 hrs. |
To receive the B-On-Time Loan, you must be eligible for federal financial aid (as determined by the FAFSA) and enrolled full-time.
Appeal SAP requirements due to a hardship
If you have become ineligible to receive a B-On-Time Loan due to your not enrolling full-time, you can file an appeal. The appeal is separate from the standard financial aid appeal process (see the Satisfactory Academic Progress Requirements for Financial Aid) and must demonstrate a true hardship. Examples of hardships include, but are not limited to, a severe illness or other debilitating condition or responsibility for the care of a sick, injured or needy person. You may also submit an appeal if you cannot enroll full-time due to a required student teaching or internship program. To appeal the B-On-Time Satisfactory Progress requirements, you must submit a letter of explanation, as well as documentation of your hardship, to Financial Aid and Scholarships.
To determine your completion rate for the B-On-Time Loan, total the number of new/non-repeated hours you completed during the evaluation period (i.e., fall and spring). Then divide that number by the total number of fall and spring hours for which you registered to determine if you meet the 75% completion rate. Keep the following in mind when calculating your completion rate:
- Correspondence courses do not count as registered hours.
- Courses with a letter grade of A, B, C, D, F or CR are counted as completed courses.
- Courses with a letter grade of PR or W do not count as completed hours.
Your B-On-Time Loan Satisfactory Academic Progress is evaluated at the end of each academic year (i.e., fall/spring), regardless of whether you received financial aid for that period. The academic year ends at the end of the spring semester.