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Before Changing Your Enrollment Status, Reach Out!

If you are planning to drop or withdraw from a class, contact us to discuss your options first. Financial aid may be affected by your enrollment changes. 

If you withdraw from all classes at JCCC,

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

Return of Title IV Funds (R2T4) Policy

The federal government has established the Return of Title IV or R2T4 Policy which impacts financial aid recipients. This policy is not the same as the college refund policy. Financial aid is offered 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.

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 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.

If a calculation of R2T4 is performed, the student will be notified of the results. Per federal regulations, JCCC is required to return funds as soon as possible after the date of determination, but no later than 45 days. 

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

The following is a list of program funds and the order in which they must be returned per federal guidelines:

  1. Unsubsidized Direct Loans (other than Direct PLUS Loans)
  2. Subsidized Direct Loans
  3. Direct PLUS Loans
  4. Federal Pell Grants for which a return of Title IV funds is required
  5. FSEOG for which a return of Title IV funds is required
  6. TEACH Grants for which a return of Title IV funds is required
  7. Iraq and Afghanistan Service Grant, for which a return of Title IV funds is required.

• 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 than 60% of the semester.

• You will have to repay any unearned financial aid you have received according to the 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. See Dropping Classes for more info.

College Refund Policy

All students who separate from the college by cancellation or withdrawal may have fees adjusted according to the JCCC Tuition Refund policy. Refer to the Tuition Refund Policy for details 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

The following is provided as a general example, to help you understand how R2T4 calculations are performed. Actual calculations will differ based on a student’s exact situation.

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 packaged 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).