Can You Get Student Loans on Academic Probation

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What is SAP Financial Aid?

Satisfactory Academic Progress (SAP) is defined as the successful completion of coursework toward an eligible certificate or degree. Federal regulations require the Office of Student Financial Aid to monitor the academic progress of students receiving financial aid.

SAP Standards:

• apply to undergraduate, graduate, and professional students who wish to establish or maintain financial aid eligibility,
• apply to a student’s entire academic record (including transfer hours), whether or not financial aid was received for prior terms of enrollment,
• include a minimum grade point average, minimum pace requirement, and total number of semester hours earned and/or semesters enrolled, and
• do not apply to professional students enrolled in the Colleges of Medicine, Dentistry, and Law, and students in the eligible hospital certificate programs whose academic progress is monitored by the individual colleges and programs.

SAP Eligibility Review

GPA and pace is evaluated for all students after the end of the spring semester. Students are notified by email if they become SAP ineligible after the spring semester. Duration is evaluated at the end of each semester. Students are also evaluated each semester to see if they can become eligible based on GPA and/or pace and are notified by email if they become eligible. Students who are on SAP probation are reviewed at the end of each semester to ensure probation requirements are met.

Students who lose financial aid eligibility due to not meeting SAP requirements may:

• earn the necessary GPA or semester hours to meet the minimum requirements while not receiving federal financial aid or
• submit a SAP Appeal Form in MyUI.

SAP Appeal

A student may file a SAP Appeal Form on the basis of:

• death of a relative
• injury or illness of the student
• other special circumstances (such as difficult transition to UI, family issues, legal troubles, work or budget problems, etc.)

SAP Appeal Deadlines:  For the fall and spring semesters, SAP appeals must be submitted by the first Friday of classes.  For the summer session, SAP appeals must be submitted by June 15.

Completed SAP appeals will be reviewed within 15 business days. You will be notified by UI e-mail if your appeal is accepted or denied.

Please note: Up to three appeals may be accepted. Per Federal financial aid regulations, appeals are not automatically accepted and may be denied based on failure to maintain Satisfactory Academic Progress standards set forth at the University of Iowa.

Regaining Eligibility

Students who are not meeting SAP requirements for GPA or pace may regain eligibility on their own without submitting an appeal by attending and achieving overall SAP requirements without the assistance of federal financial aid. Students who are not meeting SAP requirements are checked each semester and are made eligible for federal aid if they are now meeting overall SAP requirements. 

The same process applies to students who have submitted a SAP appeal that has been denied, they can attend without the use of federal financial aid. Students who have been denied a SAP appeal can re-appeal after one semester without federal aid. These students are monitored each semester and are made eligible for federal aid if they are now meeting overall SAP requirements.

How Long Does Academic Probation Last For Financial Aid?

When you’re in school, it’s important to make sure you’re taking care of your finances so you can focus on getting the most out of your education.

If you’re at risk of being put on academic probation, one way to help keep your grades up is by taking out a student loan. If you’re on academic probation, you might be able to get a student loan through the federal government.

It can be confusing to figure out how to apply for student loans when you are on academic probation because the process is different from what a lot of students are used to. But don’t worry; we’ve got all the answers.

In this article, we’ll discuss what happens when a student goes on academic probation and how this affects their ability to get a federal loan. We’ll also walk through the steps in the process of applying for and receiving your aid once your school determines that it’s time for you to take action if they believe there may be an issue with your grades or financial aid status.

There are probably horrible people who will loan ANYONE money regardless of if they should be given a loan or not. They know that the Federal Government will guarantee the loan and they’ll get paid. They also know you can’t discharge the debt through bankruptcy and that the US government will seize your pay checks if you don’t pay. There is no downside for these people… it’s all downside for you.

Be careful. The only thing worst than graduating with student loan debt, is NOT graduating with student loan debt.

Can you still get financial aid if you are on academic probation?

Can You Still get Financial Aid on Academic Probation? 

Yes, you can still get financial aid if you are on academic probation. However, there are strict guidelines outlined by each school to help keep you on track. 

Let’s start by defining what academic probation is…

If your grades start to fall below a ‘C’ average and you’re not making the academic progress your school requires for graduation, you will be placed on academic probation.

This generally means you’ll be required to sign a contract with your school promising to improve your grades and academic performance. 

Good academic standing is based on the following:

• Grade Point Average (GPA) – Students must have a minimum 2.0 GPA as an undergraduate on a 4.0 scale (i.e. at least a C average)
• Successful accumulation of Credits – If you are enrolled as a full-time student, you must take at least 12 credits to meet the good academic standing requirements set by the financial aid department

If you don’t improve your academic standing after being placed on academic probation your student enrollment status will be in jeopardy. In fact, most students who don’t meet good academic standing get academically dismissed from their school and will no longer be eligible to receive financial aid. In addition to this requirement, many individual programs may require more rigorous requirements to meet good academic standing. 

Each semester the Department of Education makes sure students are on track towards obtaining a career by conducting a Satisfactory Academic Progress evaluation (SAP). Each school has its own SAP policy for financial aid purposes. 

What if I’m already on academic probation?

If you are already on academic probation try your hardest to meet the good academic standing criteria. Whether that means asking for help, paying more attention in class, or actually going to class.

If you are a recipient of the Tuition Assistance Program (TAP) award, you will need to contact the registrar’s office at your school. Why? Well, contacting them will determine if your probationary status affects your state funds. This is because TAP has a different grant program.

Where can I get help if I’m having trouble raising my grades?

Each school offers its own resources, so this information may vary but these are the two common methods:

• Setting up a meeting with your academic advisor: Your advisor will give you a clear overview of the many ways you can solve this problem.
• Visiting the learning center: Most schools, if not all, offer academic assistance programs where students can seek tutoring for writing, math, science, and most other subjects.

If this is your first time on academic probation, you will still be able to receive financial aid. On the other hand, if you have been on academic probation before, you could not only lose your financial aid but you could also get kicked out of school (suspended).

How do I know if I’m losing my financial aid?

To find out if you’re losing financial aid because you’re on academic probation, contact your school’s financial aid office. If you want a clear response from them, we suggest you give them all the logistics in terms of your grades.

I lost my financial aid…

Your school will inform you of the correct steps to take after you lose your financial aid due to being on academic probation. However, if you want more guidance on what to do after losing financial aid, click here. 

Regaining eligibility 

You need to make Satisfactory Academic Progress in order to continue to receive federal student aid. We suggest you talk to your school about possibly appealing their decision that prompted you to become ineligible.

To know the specific instructions on how to regain eligibility get in contact with your school’s registrar office, financial aid office, and/or your academic advisor.

Requirements for Maintaining SAP

To maintain SAP, a student must:

1. Maintain a minimum cumulative grade point average (GPA) – The minimum for undergraduates is based upon academic level and ranges from 1.6 at the end of a student’s first year to 2.0 by the end of the senior year (GPA requirements for scholarships may be higher). For graduate students, minimum GPA are defined by academic unit. The GPA is reviewed annually, and after winter semester grades are posted; the overall GPA must be equal to or greater than the required academic level minimum at the end of each winter semester.
2. Complete at least 67% of all attempted credit hours – This is reviewed at the end of each winter semester and the aggregate percentage of coursework attempted and passed must equal 67% or greater at each review. (For example, an undergraduate student who enrolls for 12 credit hours and completes 8.5 credit hours has completed an acceptable percentage of attempted credit hours, 67% or greater.)
3. Complete a degree program in a maximum timeframe of no more than 150% of the program’s average length – Example: The average number of credit hours it should take to complete a Literature, Science, and the Arts (LSA) undergraduate degree program is 120 credits. Using that average, 150% would equal 180 credit hours which would be the maximum number for which an LSA student could receive financial aid (assuming the above requirements are also met). The 150% standard applies to graduate students based on average program length as defined by a student’s academic unit.

Transfer students: The number of transfer hours accepted upon admission is used to calculate the student’s remaining eligibility under the 150% calculation and will be included in the quantitative calculation which includes number of credits attempted and completed.

Students returning to college for a second undergraduate degree will be given 150% of stated credit hours required for the second degree program. They are eligible to receive only loan funds.

Double majors/minors will be funded with aid based upon a 150% of one major program.

Graduate students on detached study: Detached study semesters will count as the equivalent of eight credit hours attempted and completed when calculating both pace and 150% of program length completion.

SAP Monitoring and Appeals

At the end of each winter term, our office reviews each student’s progress. Students who have not met all three requirements (for all terms enrolled, not just those terms that the student received aid) will be notified in writing that they have lost eligibility for financial aid.

A student may appeal if there are extenuating circumstances. Examples of these include personal or family critical illness (both physical and mental), natural disaster impacting the student or family’s home, assault, etc. If an SAP appeal is approved, the student will be placed on SAP financial aid probation. To appeal, students must complete the SAP Appeal Form, which allows a student to explain the situation, document circumstances, and develop an Academic Recovery Plan with an academic advisor.

About SAP Financial Aid Probation

If you are put on financial aid probation, your academic progress and financial aid eligibility will be reviewed at the end of each semester. You will be asked to sign a term-by-term SAP Probation Agreement that will explain the terms and requirements of your probation.

Students on SAP financial aid probation will be monitored for improvement and adherence to probationary terms including the Academic Recovery Plan. While on probation, an undergraduate student is expected to achieve a semester grade point average of 2.0 or above, not receive an “I” in any coursework, and receive a “P” in each Pass/Fail course. (For graduate-level students, the minimum GPA requirement is determined by the academic unit.)

Students on probation must also follow terms of their Academic Recovery Plan. They continue to receive aid while on financial aid probation but will be monitored.

A student will be removed from SAP financial aid probation upon successful completion of the Academic Recovery Plan. This is demonstrated by obtaining a GPA consistent with the minimum requirement for their academic level and completing an aggregate percentage of 67% or more of all attempted credit hours.

Any student who is placed on academic probation by their school or college is expected to comply with the requirements of both the college or department and OFA. See note below regarding academic holds.

Failure to Meet SAP Probation Requirements

Students who do not meet the terms of financial aid probation are not eligible for aid in any subsequent semester. A written notification is sent to all students who fail to comply with the terms of their probation.

Regaining Financial Aid Eligibility

A student can regain eligibility by doing these three things and notifying the U-M Office of Financial Aid when they have been accomplished:

1. Complete a minimum of 12 credit hours or 8 credit hours for graduate students at U-M (or as specified in the Academic Recovery Plan) without the benefit of financial aid. Students may take the credits at another institution of higher education if approved by their academic advisor.
2. Achieve a minimum GPA of 2.0 for undergraduates (for graduate students, the GPA requirements of their academic unit).
3. Complete 100% of attempted credit hours.

Note: A student who has lost eligibility may not automatically regain it by paying out-of-pocket for the enrolled classes or sitting out (not attending) for a semester.

Special Circumstances Affecting SAP Status

Contact a financial aid advisor if you have lost your financial aid eligibility and you believe you have special circumstances that relate to your SAP.  With proper documentation of circumstances (i.e., doctor’s notice, letter from academic advisor, etc.), you may appeal by completing a Satisfactory Academic Progress Appeal Form. Also, contact your academic advisor to help you develop a plan for achieving good academic standing.

Incomplete Courses, Poor Grades, And Withdrawal

Grades

Only courses for which the student received a grade of A, B, C, D, P, or S are acceptable and will count as a completed course. A grade of E, F, ED, W, NR, I, or X is not acceptable and does not count as Completed for the purpose of the student’s Completion Percentage. Students who fail to complete at least 67% of attempted credit hours because of incomplete grades or who withdraw from all classes will have their financial aid terminated.

Repeated and Not-for-Credit Classes

A student repeating a course and receiving a non-passing grade may receive aid for that course under certain circumstances; see the following examples for detailed information.

A student may not receive aid to repeat a class for which a grade of I was received and was not completed within the maximum time frame set by the course instructor. Students who receive a passing grade may repeat a class once. (However, repeating classes that will not result in additional hours or Michigan Honor Points — per university policy — will not improve the students’ completion rate.) Not-for-credit classes are not eligible for financial aid.

If you are repeating a course, take care that your school or college has not designated it as not-for-credit. If so, you may be required to repay some of your already disbursed financial aid.