SAP Policy

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).


Satisfactory Academic Progress

All students who wish to qualify for financial aid must meet three standards collectively known as SAP. These standards include:

  • a minimum cumulative Grade Point Average (GPA) 
  • a minimum credit hour completion rate
  • completion of a degree or program of study within a maximum number of credit hours 

  • All prior coursework, attempted and earned, is reviewed in the determination of SAP. 
  • Students who have been re-admitted as a result of the “two year rule” or “associate rule” (see catalog) are still subject to Satisfactory Academic Progress standards for all attempted coursework at UNC Charlotte. 
  • 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.
  • Eligibility to receive aid may be reestablished by if grades improve to meet the minimum cumulative GPA.

  • The Office of Financial Aid will measure a student’s academic performance annually, at the end of each spring semester.
  • You will be notified by email and in Banner Self-Service if you fail to meet the standards of SAP; however, it is the students’ responsibility to stay informed of the University’s Satisfactory Academic Progress standards and to monitor their own academic progress

Satisfactory Academic Progress Requirements

In order to receive federal financial aid or other need-based aid, a student’s cumulative grade point average (GPA) must meet the minimum requirement as defined below:

  • Undergraduate Students - must have a cumulative GPA of at least 2.0.
  • Graduate Students - must meet the GPA requirements determined and monitored by the Graduate School

All students must earn a minimum of two-thirds or 66.6% of the credit hours that they have attempted.

Example A:

The student below has earned 120 credit hours at UNC Charlotte and has attempted a total of 123 credit hours.  Divide 120 (earned credit hours) by 123 (attempted credit hours).  This student’s credit hour completion rate is 98%.

 

Attempt Hours

Passed Hours

Earned Hours

GPA Hours

Quality Points

GPA

UNC Charlotte:

76.000

73.000

73.000

73.000

283.00

3.877

Transfer:

47.000

47.000

47.000

0.000

0.00

0.000

Degree:

123.000

120.000

120.000

73.000

283.00

3.877

 

 

 

 

 

 

 

Example B:

The student has attempted a total of 48 credit hours during his entire attendance at UNC Charlotte.  In order to meet the minimum credit hour completion rate requirement and be eligible for financial aid for future semesters, the student must have earned 32 of those credit hours (48 x 0.666 = 32).  In this case, the student has only earned 24 credit hours and is NOT meeting the minimum credit hour completion rate.  (24 divided by 48 = 50%).  This student is not eligible for financial aid.

 

Attempt Hours

Passed Hours

Earned Hours

GPA Hours

Quality Points

GPA

UNC Charlotte:

48.000

24.000

24.000

24.000

60.00

2.500

Transfer:

0.000

0.000

0.000

0.000

0.000

0.000

Degree:

48.000

24.000

24.000

24.000

60.00

2.500

 

 

 

 

 

 

 


SAP Specifications

  • Earned Hours:  A, B, C, D, H, P or S
  • Unearned Hours:  F, I, IP, W, WE, NR, U or N 
  • IP Grades: Graduate students who earn IP grades for dissertation/thesis research credits will be evaluated on a case by case basis separate from the initial SAP review process.
  • Withdrawals (W)Courses for which a student has withdrawn and a W is posted on their transcript, are counted as attempted but not earned credit hours.
  • Course Repeats: If a student repeats a course, both the original and the repeated courses will count toward the earned and attempted credit hours.  Students may only receive federal financial aid for one repeat of a course that has been successfully completed with a grade    of “D” or higher.
  • Incomplete Grades (I):Courses for which a student earns a grade of incomplete (I) are counted as attempted but not earned credit hours.  Once a grade is received it is the student’s responsibility to notify the Office of Financial Aid by submitting an appeal.
  • Remedial or ESL Coursework: Remedial and ESL coursework are treated the same as other course work for financial aid purposes. Both the attempted and earned hours count in the calculation of completion ratio and maximum allotted hours. 
  • To remain eligible for financial aid at UNC Charlotte, students must complete their degree program requirements within 150 percent of the published length of their degree program.  All attempted hours are counted, including transfer hours, whether or not financial aid was received.
    • Undergraduate Example:
      • If an Undergraduate degree program requires 120 semester credit hours to complete, then a student is eligible for financial aid during the first 180 attempted credit hours as an Undergraduate. 
      • (120 x 150% = 180 maximum attempted credit hours for financial aid eligibility).
    • Graduate Students:
      • Graduate students must complete their degree within the maximum time frame as determined and monitored by the Graduate School.
    • Second Degree-Seeking Students:
      • All attempted hours from a prior degree will not count towards the second degree, unless they are needed for that degree. A student pursuing a second undergraduate degree is eligible to receive financial aid for a maximum of 150% of the hours required for the second degree (Maximum of 228 hours including hours for first degree). 
    • Mid-Year Transfer Students:
      • When a student transfers to the University, all of their transfer credit hours are counted towards SAP as attempted and earned hours. Any grades are excluded from the University for SAP purposes. The GPA starts at 0.00 as a new transfer.