Dropping Classes and Financial Aid Repayment


Before Changing Your Enrollment Status

If you are planning to drop or withdraw from a class you should discuss your options with us:

  • Make an appointment with a financial aid coordinator or
  • Visit or call our office to speak with a financial aid advisor

If you withdraw from all classes at JCCC,

  • Your semester fee bill may be adjusted according to the JCCC refund policy.
  • Students awarded federal financial aid will also be subject to the Return of Title IV Funds (R2T4) Policy. This may result in a balance due on your fee bill.

Return of Title IV Funds (R2T4) Policy

Return of Title IV or R2T4 refers to the calculation done when a financial aid student withdraws from all classes, receives a zero GPA or is entitled to a post-withdrawal disbursement. The calculation determines if it is necessary to return a portion of the federal financial aid to the Department of Education that a student received and did not earn. Or it determines how much a student is entitled to receive as a post-withdrawal disbursement if the student earned the federal aid and was not paid yet. The calculation of R2T4 is required by the Department of Education

Funds Included in the Return of Title IV Funds (R2T4) Policy

  • Subsidized and Unsubsidized Direct Loans
  • Parent PLUS Loans
  • Pell Grants
  • SEOG Grants

• You may be required to repay all or part of the financial aid disbursed for the semester in which you withdraw if you do not complete more that 60% of the semester.

• You will have to repay any unearned financial aid you have received according to the Return of Title IV Funds (R2T4) federal guidelines. Registration constitutes a financial contract between the student and JCCC. Once registered, failure to attend classes is not considered an official withdrawal. Students who decide to leave the college should contact the Financial Aid Office to discuss their options. Students must contact the Registration Office or withdraw via the Web to officially process their withdrawal. No refunds are made unless this procedure is followed.

Your Letter Outlines the Changes Required as a Result of Your Withdrawal

The federal government has established a Return of Title IV Funds (R2T4) Policy which impacts financial aid recipients. This policy is not the same as the college refund policy. Financial aid is awarded to students contingent upon completion of the semester. Federal financial aid recipients who withdraw prior to completing 60% of the semester will owe a repayment to the U.S. government. If it is determined that a portion of the financial aid received by the student is unearned, the college is required to return the unearned funds.

College Refund Policy

All students who separate from the college by cancellation or withdrawal may have fees adjusted according to the JCCC refund policy. Refer to the Tuition Refund Appeal Operating Procedure, and the requirements for dropping classes.

If you are planning to retake courses, please view our Financial Aid Repeat Coursework Process.

SAP Policy (R2T4)

If a student has 0% completion and/or 0 GPA and was paid federal financial aid for a given semester, the R2T4 calculation will be done and the student may not be eligible for future financial aid at JCCC based on the SAP standards. See the Satisfactory Academic Policy (SAP) for the appeal process. Students are only allowed to appeal one time. If a second semester of total withdrawal results in exclusion status, the student will lose future eligibility for financial aid at JCCC.

How your repayment is calculated

Determine the percentage of the semester completed.

Days attended ÷ days in the semester = percentage completed

If the calculated percentage exceeds 60% then you have earned all of the Title IV funds for the semester and no further action is required.

If not, then apply the percentage completed to the Title IV aid awarded to determine eligibility for aid prior to withdrawal.

Total aid disbursed × percentage completed = earned aid

Determine the amount of unearned aid to be returned to the appropriate Title IV aid program(s).

Total disbursed – earned aid = unearned aid to be returned

If the aid already disbursed equals the earned aid, no further action is required.

If the aid already disbursed is less than the earned aid, a post-withdrawal disbursement can be made, providing the eligibility criteria have been met. If the aid already disbursed is greater than the earned aid, the difference must be returned to the appropriate Title IV aid program(s).