Satisfactory Academic Progress for Financial Aid


Federal regulations require students receiving Title IV aid such as Pell Grants, Direct Loans, and Federal Work-Study to meet multiple standards as outlined below in order to maintain Satisfactory Academic Progress (SAP).  Some state aid also requires a student to meet these standards.

SAP for financial aid requires multiple standards of success

  • Cumulative Grade Point Average of 2.0  Students must maintain a cumulative 2.0 or higher grade point average to meet this SAP standard.
  • Completion Rate of 67%  All students must successfully complete at least 67% of the cumulative credit hours attempted to meet this SAP standard.  Attempted credit hours include all credit hours attempted at a KCTCS school as well as any transfer hours.  Earned credit hours include all credit hours successfully completed.  A 67% success rate will allow you to complete your credential within the Maximum Time Frame.
  •  Maximum Time Frame (MTF 150%)  Your credential (degree, diploma or certificate) must be completed within the Maximum Time Frame of 150% of the required number of credits for your declared program of study.  For example, an associate degree requires approximately 60 credits to complete.  You may receive financial aid for a total of 90 credits (60 x 150% = 90).  If you do not complete your associate degree within the Maximum Time Frame of 90 credits, you may lose your financial aid.

SAP Status and Notification

SAP is evaluated at the end of every term of enrollment.  All measurements are cumulative and include all periods of enrollment whether or not financial aid was received.  Failure to meet any single standard may affect eligibility for financial aid.

Email notifications are sent to all financial aid recipients after each evaluation period indicating the current SAP status.  SAP status is also available to view in Student Self-Service.  SAP Statuses are explained below.

  • Meet  All standards of success were met and student remains eligible for all financial aid programs.
  • Warning  Failure to maintain a cumulative 2.0 GPA and/or 67% completion rate results in Warning.  Student will remain eligible for financial aid for one additional term.  There is no Warning period for MTF.
  • Suspend  Failure to meet required SAP standards after the Warning term (except for MTF) results in the loss of all financial aid eligibility (grants, loans and work study).  There is no Warning period for MTF. 
  • Probation  A student who was suspended but submits a successful appeal may be placed on probation if it is determined that SAP can be achieved in one term.
  • Plan of Action  A student who was suspended but submits a successful appeal may be placed on a Plan of Action if more than one term may be necessary to achieve SAP.  A student placed on a Plan of Action must fulfill the requirements of the plan every term in order to remain eligible for financial aid or achieve Meets status.

SAP Appeal Request Process

Students who are suspended but have extenuating circumstances may be eligible to file a SAP Appeal Request.  SAP Appeal Requests are reviewed by a college Appeals Review Committee.  Submission of an appeal does not automatically mean financial aid eligibility is restored.  Students must be able to pay for tuition and books in order to remain enrolled while a SAP Appeal Request is under review.

An online SAP Appeal Request link is available within Student Self-Service for students eligible to submit a request.  Follow the instructions to submit a SAP Appeal Request.  Paper SAP Appeal Requests are no longer available.

SAP Appeal Deadline

SAP Appeal Requests require at least 30 days for review.  Appeal requests submitted 30 days prior to the first day of class should be reviewed in time to start classes.  Due to the limited time between terms and because SAP is evaluated at the end of the term, it is not always possible to submit a request in time for review prior to the start of the upcoming term.

Approved Appeal

If your SAP Appeal is approved, you will be e-mailed a Plan of Action Commitment form. Please print, complete and sign the form (your advisor must sign also) and submit the signed form to the FA Office in order for your aid to be reinstated.  

Additional Concerns

KCTCS Academic Standing

SAP for financial aid is separate from overall academic standing.

Pending/Undecided Students

Students may only receive aid for a maximum of 30 attempted credit hours as “undecided” or “pending.” Students attempting hours beyond 30 must declare an eligible credential to be considered eligible for financial aid and continue to meet all the above standards.