Satisfactory Academic Progress

What is Satisfactory Academic Progress (SAP)?

Federal and state regulations require that students maintain a certain level of academic performance in order to be eligible for financial aid. This is known as Satisfactory Academic Progress (SAP).

  • If you meet these requirements, you are eligible to be considered for financial aid, provided you also meet all other financial aid requirements. 
  • If you do not meet these requirements, you are not eligible to receive financial aid, including during summer terms.

Read the full SAP Policy and Progress Standards

Satisfactory Academic Progress (SAP)  Requirements:

  • GPA - Minimum cumulative grade point average (GPA) of 2.0 for all undergraduate students.
  • Credit Completion Rate - Minimum credit hour completion rate of 66.6% for both undergraduate and graduate students.
  • Maximum Time Frame - Completing a degree within a maximum time frame (150% of the number of hours required for graduation in their programs of study, including transferred hours accepted for credit toward the degree.)
  • The Office of Financial Aid reviews the grades of each student who received aid at the end of each Spring semester
    • The review includes all semesters of attendance at UNC Charlotte, whether or not financial aid was received.
  • Students who fail to meet one or more of the SAP standards at the time their academic progress is reviewed are not eligible for financial aid.
  • Financial aid eligibility may be regained in the future if the student’s cumulative performance meets all three standards of SAP.

Students who are not meeting SAP may appeal their eligibility to receive aid by completing the appeal process below.

  • Appeal Form  Submission Deadlines
    •  August 1 - Deadline to submit a SAP appeal to receive aid for each fall semester. Note: For the Fall 2020 semester the university will accept late appeals through August 31.
    •  January 27 - Deadline to submit a SAP appeal to receive aid for Spring 2021.
  • Number of Appeals: Students are limited to a maximum of three approved appeals during their program of study. Students who are not progressing due to not completing their degree in the maximum time-frame may only appeal once.  
  • Appeal Form: Complete the online SAP Appeal form available on the Forms & Publications page
    • Please review additional information regarding your appeal on the SAP Policy page.
  • Summer: Appeals are NOT accepted for any summer terms.

If you choose not to appeal or your SAP appeal is not approved, you must make your own financial arrangements and pay your bill in full by the payment due date. You also have the option to apply for an alternative loan. This is a private education loan in the student's name, offered by private lenders. Read more about alternative loans here.

  • Students who are academically suspended at the end of the spring semester, but are allowed to enroll in the summer term as a condition of their reinstatement, are not eligible for financial aid during the summer terms.
  • Students who have been re-admitted as a result of the “two year rule” or “associate rule” must still meet the standards of SAP in order to be eligible for financial aid.
  • Grade foregiveness is not taken into consideration when figuring SAP.
  • Please allow up to 3 weeks for a decision to be made on a SAP appeal.
  • The Office of Financial Aid will notify you of your failure to meet the standards of SAP by email; however, it is your responsibility to monitor your SAP status, and stay informed of the University’s SAP standards.
  • SAP policy and appeal information are detailed in the Satisfactory Academic Progress Policy.