Financial Aid Satisfactory Academic Progress

To establish and maintain eligibility for federal student financial aid at JCCC, you must meet satisfactory academic progress (SAP) standards.


Federal regulations require that a student make satisfactory academic progress toward an eligible degree, certificate or transfer program leading to a bachelor’s degree.

To check your current SAP status online; log into MyJCCC and select the "My Financial Aid" tab. Select the "Satisfactory Academic Progress” link.

To comply with this regulation, the following SAP standards have been established.

Satisfactory Academic Progress Standards

To establish and maintain eligibility for federal student financial aid at JCCC, the student must meet satisfactory academic progress (SAP) standards. Federal regulations require that a student make satisfactory academic progress toward an eligible degree, certificate, or transfer program leading to a bachelor’s degree. To comply with this regulation, the following SAP standards have been established.

SAP evaluation will occur prior to being awarded and at the end of each enrolled semester, including summer. All prior institution transcripts must be on file before financial aid can be awarded. Evaluation is based on cumulative JCCC and transfer credit course work as appearing on the student’s official academic transcript from accredited institutions. Only credit courses are considered for SAP evaluation. Students not making SAP will be notified via mail and their student email account. (Note: Clock hour programs are computed as credit hours for SAP purposes.)

The four SAP standards are evaluated by the following criteria: 

1. Cumulative Grade Point Average (GPA)
Students must attain a minimum cumulative GPA of 2.0. (JCCC and transfer hours are considered.)

2. Pace (Percentage of Completion) 
Students must successfully complete 67% of all credit hours attempted as appearing on their official academic transcripts. This includes all enrollment periods whether or not financial aid was requested or received. The following grades do not affect the cumulative GPA, but will be counted as attempted (but not completed) credit hours: “I” (incomplete), “W” (withdrawn), or “R” (repeated). Self-paced courses that are not completed by the end of the semester in which the student enrolled will be recorded with a grade of “I” until the course is completed. An incomplete course may delay future federal financial aid disbursements until a final letter grade is posted. (Students who have not completed 67% or more credit hours for which aid was paid may become ineligible for financial aid.)

Attempted Credit Hours Required Credit Hours Completed
12 9
15 11
18 13
24 17
30 21

3. Maximum Time Frame
The maximum time frame for students to complete their academic program may not exceed 150% of the published length of the program. For example, if the published length of the program is 64 credit hours, the maximum number of attempted credit hours may not exceed 96. After 150% of the published length of the program has been attempted (including JCCC and all transfer credit hours from accredited institutions), students are no longer eligible for federal financial aid. Students entering JCCC with 125% or more of the published length of their established program of study will be required to submit an SAP appeal. This appeal must be approved before any federal financial aid can be awarded.

4. Zero GPA and Paid Federal Aid
Students who drop all courses, without a “W” and are paid financial aid are automatically placed on financial aid ineligibility status (NSAP). Students may avoid this status by cancelling their awarded aid (if it has not been paid) or by repaying all received federal aid when dropping their courses. Students who have not completed 67% or more credit hours for which aid was paid may also become NSAP.

Financial Aid Warning Status (NEW beginning Fall 2016)
Students not maintaining SAP after their first term will automatically be placed on “Warning” status for the subsequent term. Students may continue to receive financial aid during the warning period. However, students not making SAP at the end of the warning period will be ineligible for financial aid and placed on NSAP status. To attempt to regain eligibility, students will need to submit an SAP appeal. Students entering JCCC not meeting the minimum standards for GPA or Pace will automatically be placed on “Warning” status.

Financial Aid Ineligibility Status (NSAP) and Appeals
Students may appeal their NSAP status by completing and submitting an SAP appeal - PDF to the Financial Aid Office. Forms are available online or in the Financial Aid Office and must be submitted with appropriate documentation. The student must meet with an Academic Counselor and outline all required courses still needed for the student’s academic program and identify the anticipated final semester of attendance at JCCC. Students are only allowed to appeal financial aid eligibility one time. Once an appeal is reviewed by the SAP appeal committee, the decision or recommendation is final and the student will be notified via mail.

If the appeal is denied, the student will move to exclusion status and must pay for educational costs until SAP standards are met. This denial takes precedence over any previous award notification the student may have received.

If the appeal is approved, the student’s federal financial aid eligibility will be reinstated. To maintain eligibility, the financial aid probation/academic plan conditions listed below must be met, but might also include additional conditions such as reducing the number of enrolled credit hours or working with a Counselor throughout the semester. If the conditions of the student’s appeal and probation requirements are not met during the following terms, then the appeal becomes void and the student is placed on federal financial aid exclusion and may not submit another appeal.

If the student is on Academic Suspension at JCCC, their SAP appeal will not be reviewed until their suspension has been resolved. The Academic Suspension appeal form can be obtained in the Student Success Center.

Financial Aid Probation
Financial aid probation status is granted after students have had an SAP appeal or Educational Plan approved. Students on financial aid probation are eligible and may continue to receive financial aid funding while in a probation status, as long as the following requirements are met:

  1. Successfully follow the academic plan in the student’s appeal up through the final semester listed and/or meet other conditions, if required, as stated in the approval letter.
  2. Receive a minimum of a 2.0 (C) GPA average for all classes taken in the probation term.
  3. Successfully complete at least 67% of all courses attempted and paid aid during the probation term.
  4. Do not drop all courses without a “W” and receive financial aid.

If a student does not satisfactorily complete the above criteria, the student will be placed on financial aid exclusion and will not receive any federal financial aid until SAP standards are attained. Students denied aid due to exclusion status must take credit courses at their own expense until SAP standards are met. To remove probation status after an appeal is approved; the student must meet minimum GPA AND Pace standards AND have attempted fewer than 150% of the published length of their program.

Educational Plan
Students who are close to reaching their maximum time frame and are meeting all other SAP requirements may be notified by the Financial Aid Office to submit an Educational Plan. The Educational Plan is an option to avoid financial aid ineligibility due to the maximum time frame requirement. Students will be given a set deadline to turn in the plan; if they choose not to complete the plan, then they will go through the SAP process as normal. The Educational Plan will be reviewed by a committee just like the SAP appeal.

Exclusion Status
Students on exclusion status are ineligible to receive federal financial aid at JCCC. If a student previously on exclusion is now meeting SAP standards, the student must contact the Financial Aid Office in order to have financial aid eligibility restored.