Financial Aid is defined as all federally-funded aid programs, all state-funded student
assistance programs and institutional aid. In order to receive financial aid, students
must be making satisfactory academic progress. Federal regulations require each educational
institution define a uniform Satisfactory Academic Progress (SAP) policy for all financial
aid applicants. This policy must have both quantitative and qualitative components,
and the policy must be at least as restrictive as the institutional retention policy.
The policy must measure a student’s performance in the following three areas: completion
rate, cumulative grade point average (GPA), and maximum time frame. The Financial
Aid Office is responsible for ensuring that all students who receive federal, state
and institutional financial aid are meeting these standards. If a student meets these
standards, they are eligible to be considered for financial aid. If a student does
not meet these standards, they are not eligible to receive financial aid.
1. Completion Rate (Quantitative Component):
A student’s SAP is measured by comparing the number of attempted credit hours with the credit hours earned at Western Carolina University. This includes any course for which the student has remained enrolled past the Drop/Add period.
The following are considered when evaluating a student’s SAP:
• Withdrawals, incompletes and failures are considered attempted but not earned hours.
• Passing credits received for pass/fail courses are considered attempted and earned credits; failing grades in pass/fail courses are considered attempted but not earned.
• Audited courses are not considered credits attempted or earned.
• If financial aid is awarded under the basis of a consortium agreement, those transfer hours will be considered in the overall calculation of both attempted and earned hours.
• Students enrolled in eligible teacher certificate programs may receive financial aid only for those courses that are required to complete the program. These hours will be considered in the overall calculation of both attempted and earned hours.
• If financial aid is awarded for a study abroad program, those hours will be considered in the overall calculation of both attempted and earned hours.
• Repeated courses are counted in the overall calculation of both attempted and earned hours.
Undergraduate students must earn at least 67% of all WCU attempted hours to maintain Satisfactory Academic Progress.
Graduate students must earn at least 67% of all WCU attempted hours, regardless of whether the hours attempted are at the undergraduate or graduate level, to maintain Satisfactory Academic Progress.
2. Cumulative GPA (Qualitative Component)
In order to retain financial aid eligibility the student must maintain a cumulative GPA of 2.0.
Graduate Students must maintain a minimum cumulative GPA of 3.0 or as defined by the Graduate School.
3. Undergraduate Student Maximum Time Frame
A student cannot receive any financial aid funding after he or she has attempted 150% of the hours required to earn a degree. For example, students in programs requiring 120 hours earned for graduation will be eligible for financial aid during the first 180 attempted hours as an undergraduate. All attempted hours are counted, including transfer hours and part-time enrollment, whether or not financial aid was received or the coursework was successfully completed.
Occasionally a student will complete all the requirements for a degree but will continue
taking courses without accepting the degree. This allows for dual degrees, change
of degree and minors so long as the student has not exceeded their maximum time frame
4. Transfer Student Maximum Time Frame
A transfer student with transfer hours that exceed 90 hours may request a review through the appeals process. The student must submit a degree plan, signed by the student and advisor, along with a current degree audit to the Financial Aid Office for review.
5. Second Undergraduate Student Maximum Time Frame
A student pursuing a second undergraduate degree is eligible to receive financial aid for a maximum of 150% of the hours required for the second degree.
6. Graduate/Doctoral Student Maximum Time Frame
A student pursuing a graduate or doctoral degree is eligible to receive financial aid for a maximum of 150% of the hours required for the graduate or doctoral degree.
7. Semester SAP reviews
Student grades will be reviewed at the completion of the spring semester to determine eligibility for the following academic year unless the student has a break in enrollment, then SAP will be reviewed at that time.
Students who are currently under a financial aid contract will continue to be reviewed
at the end of each academic term. Students who fail to meet the terms of their contract
will be ineligible for further aid after the term in which they break the financial
aid contract unless they met regular SAP guidelines. Also, students who withdraw from
the university will be reviewed at the time of withdrawal and the calculated Satisfactory
Academic Progress status will apply immediately after the withdrawal.
Any student who does not meet the SAP guidelines at the time of the May review each
year will be ineligible for federal financial aid for the following academic year
and will be sent notification of their ineligibility. Being ineligible for the following
academic year will not prevent a student from receiving financial aid for the adjacent
summer term. The Financial Aid Office will notify students of their failure to meet
the standards of this policy. Each student is responsible for knowing their own status,
whether or not they receive this notification. Students may access their SAP status
via MyCat or by contacting the Financial Aid Office.
A student may regain eligibility for financial aid after any academic term by earning the number of credit hours for which they are deficient or improve the GPA without financial aid. These hours must be earned at Western Carolina University. Hours earned at another institution will not transfer towards meeting SAP. The student must notify the Financial Aid Office to request a review of SAP during the academic year.
9. Appeal Procedures:
Students who receive a notice of ineligibility for federal aid based on the SAP guidelines may send a signed and dated letter of appeal and all supporting documentation and SAP Appeal Form in accordance with the Satisfactory Academic Progress Appeal Process and calendar.
Events/circumstances that merit an appeal of financial aid eligibility include, but
are not limited to:
- Student suffered a personal illness or injury (excluding chronic conditions-students
are responsible for properly balancing school work with known chronic conditions)
or personal family emergency.
- Student suffered a loss in their immediate family. Immediate family is defined as
parents, grandparents and siblings for a dependent student and includes spouse and
children for an independent student.
- Student has been absent from Western Carolina University for more than one semester
and can document that the time away from the university was spent in pursuit of activities
that should make the student better prepared to succeed academically.
- Student was the victim of a natural disaster that caused them to miss school for at
least five consecutive days.
- Student came a semester at own expense to Western Carolina University and earned 12
hours and 2.3 semester GPA (undergraduate) or 9 hours and 3.0 semester GPA (graduate).
- Broken Contract: If a student breaks their 1st contract and does not meet SAP, they
must come a semester at their own expense at Western Carolina University and earn
12 hours and 2.3 semester GPA (undergraduate) or 9 hours and 3.0 semester GPA (graduate)
to appeal for 2nd and final contract.
Appeals must include a detailed description of the extenuating circumstances that
occurred during the time in which the student failed to meet SAP. The appeal must
also include all necessary documentation to support the existence of the circumstances
described and evidence that the circumstances have been resolved. The Financial Aid
Satisfactory Academic Progress Committee will consider the appeal and render a decision,
which will be conveyed to the student by letter and/or email.
A student can appeal financial aid eligibility determinations based on maximum time frame only if
(1) the student demonstrates that they have a documented disability that requires this accommodation, or
(2) the student documents such other exigent circumstances beyond their control. Appeals based on disability will be considered in cooperation with Western Carolina University’s Office of Student Disability Services.
Students who successfully appeal determinations based on maximum time frame will be permitted to an extension of the maximum time frame up to a maximum of twelve additional semester hours attempted. If an appeal of maximum time frame is approved, the student must elect in writing to the Financial Aid Office either one of two enrollment options:
(1) to enroll as a full-time student with twelve additional semester hours attempted in one semester; or
(2) enroll as a part-time student with six additional semester hours attempted in each of 2 successive semesters.
Students seeking to reestablish financial aid eligibility remain ineligible to receive
financial aid assistance or deferment of payment until the appeal process is complete
and a decision has been made by the Financial Aid Office Satisfactory Academic Progress
Committee. Students should be prepared to pay tuition, fees and other educational