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Satisfactory Academic Progress (SAP) for Financial Aid

  • Responsible Office: Financial Aid – Division of Strategic Enrollment Management, Office of the Provost
  • Current Approved Version: 11/18/2019
  • Policy Type: Administrative

Policy Statement and Purpose

The purpose of this policy is to describe the university’s process for determining a student’s eligibility for continued receipt of Title IV federal funds, Virginia state funds and institution need-based grants on satisfactory academic progress (SAP) in accordance with federal requirements for financial aid, including the federal regulations implementing the Higher Education Act of 1965, as amended, 34 C.F.R. § 668.34. This policy applies to all students attending all academic programs, except ACE-IT in College, which is a comprehensive transition and post-secondary program with a separate SAP standard that can be found at

As required by the federal regulations, VCU’s SAP policy is at least as strict as its academic progress standards for students enrolled in the same academic program who are not receiving federal Title IV financial aid.

The university reviews SAP status at the end of the spring semester each year on all students and notifies aid recipients via email of their SAP status. A student may also view their SAP status on their eServices account.

Noncompliance with this policy may result in disciplinary action up to and including termination. VCU supports an environment free from retaliation. Retaliation against any employee who brings forth a good faith concern, asks a clarifying question, or participates in an investigation is prohibited.

Who Should Know This Policy

All employees (including faculty) and students receiving aid are responsible for knowing this policy and familiarizing themselves with its contents and provisions.


Attempted credits

All courses in which the student enrolls and remains enrolled after the add/drop period of every semester even if the student later withdraws or ultimately fails the course.

Completion Rate or Pace

Number of credit hours earned divided by the number of all credit hours attempted including transfer and AP credit hours.

Earned credits

The number of credit hours from all courses in which the student receives a letter grade of “D” or better or a “PA” in a Pass/Fail course.

Maximum Timeframe of Eligibility

150% of the published length of the program needed to earn a degree, as measured by credit hours or clock hours. 

Satisfactory Academic Progress (SAP)

A combination of qualitative (grades) and quantitative (credit hours) components as measured by GPA, completion rate and maximum credit hours of eligibility, which satisfy federal, state and institutional requirements for aid recipients.


The Office of Financial Aid officially interprets this policy. Financial Aid is responsible for obtaining approval for any revisions as required by the policy Creating and Maintaining Policies and Procedures through the appropriate governance structures. Please direct policy questions to either the director of Financial Aid or the associate of director of compliance in Financial Aid.

Policy Specifics and Procedures

SAP Determination

In order to maintain SAP, a student must meet the following criteria:

1. Grade Point Average (GPA) – Qualitative Measure

While individual schools or academic programs may have other academic requirements (including for GPA), to be eligible for federal financial aid, a student must remain in good academic standing under this policy by maintaining the following cumulative GPA requirements:

a. Undergraduate Students – must maintain at least a 2.0 cumulative GPA 

b. Graduate Students – must maintain at least a 3.0 cumulative GPA 

The undergraduate and graduate grading scales/systems can be found in the “Academic Regulations and General Degree Requirements” section of the VCU Bulletin website: 

Please Note: VCU DOES NOT round up. A GPA below the exact minimum requirement is not rounded up in order to meet the minimum standards. For example, undergraduate students with a 1.999 GPA or graduate students with a 2.999 GPA does not meet the minimum GPA requirements. 

2. Completion Rate – Quantitative Measure 

All students must complete 67 percent of attempted credits for all enrollment periods. The completion rate is determined by dividing credits earned by the number of credits attempted. 

Please Note: VCU DOES NOT round up. A completion percentage below the exact minimum requirement is not rounded up in order to meet the minimum standards. For example, if the number of credits earned divided by the number of credits attempted equates to .6666667 (a 66 percent completion rate), it will not meet the minimum credits attempted requirement. 

3. Maximum Timeframe of Eligibility – Quantitative Measure

All credits transferred to VCU and credits attempted at VCU count towards the maximum credits of eligibility requirements for SAP. Beyond the maximum timeframe, as defined above, students are not eligible for financial aid unless the academic program obtains appropriate authorization for additional credits or an academic advisor approves a student’s SAP Degree Audit Appeal. 

Students have a period of 150% of the credits required to complete the program to remain eligible for financial aid as indicated by the chart below. Students may request an exception to the maximum timeframe period. Below are examples of as maximum timeframe periods:

Bachelor’s Degree Students  120 credits  180 credits 
Master’s Degree Candidate  45 credits  68 credits 
Doctoral Degree Candidate  48 credits  72 credits 

4. Treatment of Special Grades or Coursework

Incomplete Grades

Courses for which a student receives a grade of “I” are included in the number of attempted credits but do not count as earned credits for the SAP calculation. An initial SAP calculation will be made; however, the SAP review will be reevaluated when the final grade is updated by the Office of Records and Registration. Therefore a student may become ineligible due to incomplete grades and would remain ineligible until the grades are updates or an appeal is approved.

Study Abroad (STUA)

Grades for credits attempted in study abroad programs are often delayed in being reported to the Office of Records and Registration. Therefore, the SAP status may be adversely affected. These credits are considered attempted but not earned until the official grade is posted. It is the student’s responsibility to ensure that official transcripts for study abroad are provided to the Transfer Center in a timely manner.

Audited Courses

Audited courses do not count as credits attempted or earned.

Advanced Placement Courses

Advanced placement (AP) courses accepted from high school that appear on the official college transcript are considered attempted and earned credits for the SAP calculation.

English as a Second Language Courses

English Language Program (ELP) courses are not included in attempted or earned credits, a student’s GPA, maximum time frame, and/or completion rate for SAP requirements.  

Course Withdrawal

Courses for which a student receives a grade of “W” are included in the number of attempted credits but do not count as earned credits, the do not count in the GPA for the SAP calculation.

Military Withdrawal

Courses assigned the “WM” are included in the number of attempted credits but do not count as earned credits, the do not count in the GPA for the SAP calculation. Review the Military Services information in the “Tuition, fees and expenses” section of the VCU Bulletin at

Transfer Credits

Transfer credits count in the totals for both attempted credits and earned credits.  However, accepted transfer credits are not included in the transfer student’s overall GPA at VCU. 

Repeated Courses

Based on federal regulations, any course that a student has already completed and passed can be taken only one additional time. After one repeated attempt, the course will no longer be eligible for financial aid. 

For the purposes of financial aid eligibility, VCU uses the U.S. Department of Education definition that a passing grade is a “D” or higher. 

All attempted credits, including credits for repeated courses, are counted in the SAP calculation. However, repeated course(s) are excluded from the GPA calculation for SAP.

Exception for professional programs: Students in professional programs (professional medical, dental and pharmacy students) who are required by their academic deans to repeat a semester may continue receiving financial aid for that year as long as they meet the GPA requirements of the program for financial aid eligibility.

 5. Course in Program of Study (CPoS)

The US Department of Education limits the amount of credits for which a student may receive financial aid. Under federal regulations, financial aid will pay for only one undergraduate bachelor’s degree or the equivalent of 120 credits at VCU. As part of a degree program, students select courses to complete major and general education requirements. Students may review their degree audit to determine how selected courses count in the 120 credits, including transfer credits, advanced placement (AP) or dual enrollment course credits and courses taken at VCU.  

Important note for students considering adding a second major or changing a major:  A student’s financial aid eligibility as an undergraduate ends once the student has completed the requirements for one bachelor’s degree, even if the student has not applied for graduation and/or intends to complete additional undergraduate coursework. There is no exception to this limit. Students may apply for a second bachelor program, but will only be eligible for any remaining federal student loan eligibility.

Effect of Second Majors

Students are encouraged to select courses carefully to complete both majors within the 120-credit financial aid limit. Once a student has completed the credits necessary to graduate from either major, financial aid eligibility no longer extends to the maximum timeframe of 150% and ends immediately.

Effect of Changing of Majors

Changing majors will trigger a re-evaluation of all credits on a student’s transcript. Courses that counted in one major may be considered electives in another major. Before making these changes, students should review their academic plans and any potential impact on financial aid eligibility with their Academic Advisor.

Annual SAP Status Review

Students who receive or apply for any type of financial aid will have their SAP reviewed by Financial Aid at the end of the spring semester of each academic year. Students who do not achieve the required GPA or progress at the required pace are no longer eligible to receive Title IV financial aid. In addition, other types of state grant, institutional or scholarship aid may also be affected.

All first-time students at VCU (freshmen, transfer students) enter VCU in good academic standing for SAP. Regardless of the initial term (fall or spring), the student will have their SAP reviewed at the end of the spring semester. 

For readmitted students, VCU calculates SAP based on all grades and credits. The Grade Exclusion Policy applied by the Office for Records and Registration does not impact the annual SAP status. Readmitted students are encouraged to review the appeal process discussed later in this policy.

Non-Degree Seeking students, not accepted in a degree or certificate program, are not eligible for federal or state financial aid. However, if the student later enrolls in a degree or certificate program, all attempted credits, including those taken while classified as a non-degree seeking student, are used to determine SAP. 

The SAP calculation determines the student’s financial aid eligibility. The SAP calculation results in the student being assigned to one of the statuses listed below, which may or may not require the student to take action to regain financial aid eligibility. Students may read about their SAP status online via the Financial Aid SAP section of the VCU website ( or view their SAP status on eServices. 

SAP Suspension and Probation

SAP Suspension - Students are NOT ELIGIBLE for federal, state or institutional financial aid. This status is assigned to students who fail to achieve SAP. In order to regain financial aid eligibility, a student must successfully appeal their suspension under the process set forth below. 

Financial Aid Probation- Students are ELIGIBLE for federal financial aid only for one semester and not for state or institutional aid. This status is assigned after students completes a successful SAP appeal and it has been determined by the SAP Committee that the student should be able to return to good SAP status by the end of the following semester. At the completion of the probation semester, the student will be re-evaluated to determine if SAP has been met or not. If SAP requirements are met, the student will regain eligibility for federal, state and/or institutional financial aid programs. If SAP requirements are not met, the student is assigned to continued financial aid probation (as described below) and must follow additional SAP requirements, including the submission of an academic plan.

Continued Financial Aid Probation - Students are ELIGIBLE for Title IV federal aid only and not for state or institutional aid.  This status is assigned to students, following a successful SAP Appeal, if the SAP Committee has determined that the student will need more than one semester to regain eligibility or the student has not regained eligibility after one term on financial aid probation. Students on continued financial aid probation are required to submit an academic plan for the next two semesters that sets forth a reasonable path toward achieving SAP. If at the end of each semester students do not meet the SAP Academic Plan or overall SAP requirements, they will be put on Final Financial Aid Suspension status

Final Financial Aid Suspension - Students are NOT ELIGIBLE for any federal state, or institutional financial aid.  This status is assigned to students who fail to satisfy an approved academic or otherwise achieve SAP by meeting the standard qualitative and quantitative SAP measures. Students are NOT eligible to apply for another SAP Appeal or submit another academic plan. In order to regain financial aid eligibility, students must successfully meet all standard requirements for SAP. Students are financially responsible for all tuition, fees, housing, meal plan and other educational expenses incurred during the time it takes to regain eligibility. VCU will use courses taken at another college or university to calculate the completion rate but not the GPA. 

SAP Appeal and Academic Plan Process

Students whose financial aid has been suspended must submit a SAP Appeal in order to be considered for financial aid for the upcoming semester. Appeal decisions are based on the information presented on the appeal forms, supporting documentation and, if needed, successful completion of an academic plan. If applicable, supporting documentation (i.e. medical documents, police reports, obituary, etc.) must be included with the SAP appeal, as set forth below. 

The SAP Review Committee meets at least twice a month to review the submitted appeals. The committee consists of Financial Aid personnel. Once decisions are made, the Office of Financial Aid will notify students via their VCU email address of the outcome of the appeal and, if needed, request additional documentation.

Appeal decisions fall into one of the following categories:

  • Approved – Student eligibility for aid is reinstated 
  • Approved with Conditions – Student must satisfy certain academic conditions in order for aid eligibility to be reinstated
  • Denied – Student is not eligible for financial aid
  • Denied Failed Plan – Student not eligible because did not meet the requirements of previous approved plan

The SAP Committee monitors decisions on SAP appeals each semester to ensure consistent application of the policies governing these regulations. Decisions made by the committee are communicated to students within 48 hours of the decision and documented within the student records.  

As part of the SAP appeal process, students may choose to provide personal or sensitive information or documentation explaining why they did not meet SAP. Financial Aid personnel review appeals with discretion and maintain confidentiality consistent with university policy. Confidentiality of student records is governed by the Family Education Rights and Privacy Act (FERPA) and applicable VCU policy ( which generally limits access to student education records only to necessary school officials.

The following list outlines the items that are REQUIRED for a SAP appeal: 

1. SAP Appeal Form – This form can be found on the following VCU Financial Aid URL: Students are required to complete the entire SAP Appeal form and follow the instructions provided. 

2. SAP Explanation – Students are required to provide a detailed explanation as to why they did not meet SAP. This explanation should explain the unusual and/or mitigating circumstances that caused an undue hardship affecting the student’s academic progress. Such special circumstances may include: 

  • a severe illness or injury to the student or immediate family member; 
  • death of a student’s relative; 
  • activation into military services;
  • assault, harassment; or
  • other circumstances beyond the student’s control.

Students need to be specific and provide supporting documentation. All SAP explanations must also outline the steps students are planning to take to ensure future academic success at VCU. 

The university will not consider a student’s second or subsequent appeal based on the circumstances cited as the basis of any previously denied appeal(s). However, if a previous appeal was denied on the basis of insufficient documentation, then the student may submit additional documentation as a part of the previous appeal. Submission of this additional documentation is not a second or subsequent appeal.

Students who have already satisfied an academic plan and are resubmitting the SAP explanation for continued financial aid eligibility are required to explain only the future steps they plan to take to achieve SAP. 

3. Supporting Documentation – To demonstrate extenuating circumstance(s), students must attach any supporting documentation from a qualified professional (e.g. physician, counselor, lawyer, social worker, teacher, religious leader, academic advisor, and/or VCU Student Health Services or Counseling Services). All supporting documentation submitted must:

  • Reasonably demonstrate the qualified professional’s identity and relevant credentials, for example, on official stationary with appropriate signatures or by email from a valid VCU email account.
  • Verify that the extenuating circumstance(s) occurred during the timeframe relevant to the appeal.
  • Verify that the extenuating circumstance(s) will no longer prevent the student from achieving satisfactory academic performance. 
  • If the document submitted is an obituary or death notice, then state the student’s relationship to the deceased individual.

Insufficient supporting documentation may be grounds for denying a student’s appeal. If an appeal based on medical reasons is denied for insufficient documentation, then the student may supplement the appeal with additional documentation. Students who require a reasonable accommodation for a disability may contact the university’s ADA Coordinator.

4. Academic Plan - Required for students that have exceeded Maximum Timeframe of Eligibility. Students and their academic advisor will complete an academic plan together. The academic plan includes a course planner for the current academic year where the student and advisor plan a reasonably efficient path to graduation.  If the student will need longer than one academic year to meet graduation requirements, the academic advisor may provide additional information on the academic plan. 

5. Use this guide to determine the required documentation needed for the SAP Appeal.

SAP ReasonDocuments Needed for SAP Appeal
GPA   SAP explanation of circumstances leading to SAP violation
Steps to manage circumstances in the future
Proof of circumstances
Completion Rate   SAP explanation of circumstances leading to SAP violation
Steps to manage circumstances in the future
Proof of circumstances
Maximum Timeframe     SAP explanation of circumstances leading to SAP violation
Steps to manage circumstances in the future
Proof of circumstances
Copy of Degree Works audit
Satisfactory Academic Progress Academic Plan

SAP Appeal Deadlines – Mandatory and Recommended   

VCU considers SAP appeals for the following semester up until 30 days after the last day of the semester in which the student’s financial aid was suspended. Therefore VCU encourages students to submit appeals as soon as possible but no later than 30 days after receiving the SAP suspension letter. 

Completed SAP appeal documents should be directed to:

VCU Office of Financial Aid
Attn: SAP Appeal Review
PO Box 843026
Richmond, VA 23284-3026


The following form is available on the VCU Financial Aid website and is REQUIRED along with supporting documentation before the university will review a SAP Appeal: 

1. Financial Aid Satisfactory Academic Progress Appeal Form

Related Documents

1. Federal requirements: 

Higher Education Act of 1965, as amended, Pub. Law 115-134, § 484(c), 20 USC § 1091(c), and implementing regulations, 34 CFR 668.16(e), 34 CFR 668.32(f), 34 CFR 668.34

2. 2018-2019 Federal Student Aid Handbook:

School-Determined Requirements - Satisfactory Academic Progress (SAP) pp. 1-14 – 1-18

Revision History

This policy supersedes the following archived policies:

Approval/Revision DateTitle
Not dated Satisfactory Academic Progress (SAP) Policy
02/19/2018  Satisfactory Academic Progress (SAP) for Financial Aid


1. What sources of financial assistance for college expenses may be available for a student who is ineligible for federal, state or institutional financial aid?

Students who are ineligible for financial aid because of SAP requirements may be eligible to apply for Private Alternative Educational loans. Information about these can be found at