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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 completing your renewal Free Application for Federal Student Aid (FAFSA) before March 15th prior to the upcoming academic year.

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.

Renewal eligibility based on:

  • High school diploma
  • Associate’s degree

SAP Terms: Completion Rate| Evaluation Period | Appeal Process

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

75% of attempted hrs. in past year

150 hrs.

 

Eligibility based on Associate's Degree

 

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

75% of attempted hrs. in past year

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.

Completion Rate

To determine your completion rate for the B-On-Time Loan, total the number of 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.

Hours that count as attempted but not completed are:
• F or U
• PR (progress)
• W (withdrawal)
• I (incomplete)
• Repeats excluded from your GPA

Hours that count as attempted and completed are:
• A through D
• CR (credit)
• Repeats included in your GPA

Evaluation Period

Your B-On-Time Loan Satisfactory Academic Progress is evaluated at the end of each academic year (i.e., end of spring), regardless of whether you received financial aid for that period. The academic year ends at the end of the spring semester.

Appeal Process

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 must demonstrate a true hardship that you experienced during the period of poor academic performance. 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 requirements, you must submit a letter of explanation, as well as documentation of your hardship, to Financial Aid and Scholarships.