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Academic Progress Policy

What is Financial Aid Satisfactory Academic Progress (SAP)? 

Financial Aid SAP is a federal rule required by the Department of Education and reviewed by the Office of Student Financial Services (SFS). It sets academic standards the student must achieve to maintain financial aid eligibility. SAP also ensures the student completes their degree/credential in a timely manner. Financial aid sources impacted by SAP include federal and institutional awards/benefits.  

Financial Aid SAP is separate from other academic monitoring policies. The Office of Academic Affairs has standards reviewed and appealed separately from SAP. Some aid programs have different standards for their specific awards. Please contact the specific agency to learn more about their eligibility requirements.  

Students will fall into different SAP standings based on their academic progress: 

• Satisfactory – the student is meeting SAP standards. To be Satisfactory, graduate students must meet the following criteria at the time their progress is reviewed: 

1. 1) 75% cumulative completion pace, 
2. 2) 3.00 cumulative GPA, AND  
3. 3) Is not at risk of exceeding the 150% Maximum Time Frame 

• Unsatisfactory – the student is not meeting SAP standards. Students with an Unsatisfactory standing can appeal their standing via the SAP Appeal form or pay their next semester’s balance in full to remain registered. Payment resolution must be made by the semester’s payment deadline, otherwise, the student will be recommended to the Office of Academic Affairs for deregistration. See the “SAP Appeal and Payment Deadlines” section for more information. 
   

• Probation – the student successfully appealed their Unsatisfactory standing and is granted probation. Probation is a one semester grace period where the student can receive financial aid while working to meet SAP standards. 
   

• Probation with an Academic Plan – the student successfully appealed their Unsatisfactory standing and is granted probation. Probation with an academic plan is an extended grace period where the student can receive financial aid while working to meet SAP standards. The student must sign their academic plan before the semester’s payment deadline (indicated on the plan) to remain registered. 

Financial Aid Awards Impacted by SAP 
As mentioned earlier, Financial Aid SAP is separate from other academic monitoring policies. Some aid programs have different standards for their specific awards. Please contact the specific agency to learn more about their eligibility requirements.  

Financial aid sources impacted by SAP include federal and institutional awards/benefits. This includes, but is not limited to: 

Award Amount and Usage Limits 
Financial aid eligibility considers an award’s amount and usage limits. Some aid programs have different eligibility limits for their specific awards and require a separate appeal (if one is available). Please contact the specific agency to learn more about their eligibility limits. 

Academic Components of Financial Aid SAP 
The following academic measurements are used to determine a student’s SAP standing. 

• Cumulative Completion Pace 
  Cumulative Completion Pace is the quantitative measurement to review the student’s progress. It is represented as a percentage based on the following formula:
  
  (Total Credits Attempted / Total Credits Completed) X 100 = Pace % 
  
  A student’s entire graduate academic history will be considered when reviewing SAP. This includes credits taken at Mercyhurst, credits transferred into Mercyhurst from other institutions, and all remedial courses. Cumulative Completion Pace will NOT be rounded for graduate students. 
   
• Cumulative Grade Point Average (GPA) 
  Cumulative GPA is the qualitative measurement to review the student’s progress. SAP utilizes Mercyhurst’s grading scale to calculate the student’s cumulative GPA. Cumulative GPAs will NOT be rounded to the nearest whole number. 

• Maximum Time Frame for Completion 
  Maximum Time Frame for Completion (MTF) sets a financial aid usage limit based on how many credits a student can attempt to earn their degree. A student must complete their program of study before reaching 150% attempted credits. 
   
  For example, the published length of a graduate program can be 30 credit hours. Therefore, the student has a maximum of 45 attempted credit hours to complete the program. This is represented based on the following formula: 
   
  (30 Credit Program X 1.50 = 45 Maximum Attempted Credits) 
   
  Failing this component happens when it is mathematically impossible for the student to complete their program within the 150% maximum time frame. MTF will NOT be rounded to the nearest whole number. 
   
  If a student is pursuing two programs simultaneously, the program requiring the most credits to complete will be used to measure the maximum time frame for completion.

When is Financial Aid SAP reviewed? 

Mercyhurst monitors SAP at difference intervals: 

• For new students or students who are Satisfactory with SAP AND are enrolled in an academic program that is less than 1 year in length, their progress is reviewed at the end of each payment period. 

• For new students or students who are Satisfactory with SAP AND are enrolled in an academic program longer than 1 year in length, their progress is reviewed annually at the end of each spring semester. 

• For students who are Unsatisfactory with SAP OR are on Financial Aid Probation with SAP, their progress is reviewed at the end of each payment period regardless of program length. 

Any student who was enrolled during the academic year but did not receive federal or institutional aid will still be reviewed for SAP to determine future financial aid eligibility. There is no action required on the part of students if they will not be seeking any financial assistance for the next academic year. 

The SAP review will not begin until SFS receives confirmation from the Registrar’s Office that semester grades have been verified and transcribed. Student requests to officially review their SAP standing before this event occurs cannot be honored. 

Effect of Withdrawals, Incomplete, Repeated, and Pass/Fail Courses 

If a student withdraws from a course or courses (receiving a “W” grade) after the semester’s published Add/Drop date, the credits are included in the count of credits attempted. Credits associated with a “W” grade are not included in the count of credits completed. “W” grades are not calculated in the cumulative GPA. 

If a student is granted an incomplete for a course or courses (receiving an “I” grade) after the semester ends, the credits are included in the count of credits attempted. Credits associated with an “I” grade are not included in the count of credits completed until the incomplete grade is changed to an official letter grade. “I” grades are not calculated in the cumulative GPA. 

If a student repeats a course, the credits are included again in the count of credits attempted. Successful completion of the repeated course will include the credits in the count of credits completed. Per the Registrar’s policy, the grade for the repeated course will follow the Pass/Fail option and the original grade is changed to a REPEAT (“R”).  A Pass (PA) or Low Pass (LP) grade are not calculated in the cumulative GPA, but an F grade does count toward the GPA calculations. 

To have a course be graded on the Pass/Fail option, the student must contact the Registrar’s Office. If a student is granted the Pass/Fail option, the credits are included in the count of credits attempted. Successful completion of the course will include the credits in the count of credits completed. If the student receives a Pass (PA) or Low Pass (LP) grade, their grade will not be calculated into their cumulative GPA. If the student fails the course, the F grade is included in the cumulative GPA. 

Procedures for Appealing 

Students not meeting SAP standards (Unsatisfactory standing) can request financial aid reinstatement by submitting an appeal with documentation. Students are notified about their Unsatisfactory standing and the opportunity to appeal via their Mercyhurst email and a letter mailed to their home address on file. The SAP Appeal form is an electronic form. Students must submit their appeal through the form. Appeals submitted by other methods will not be accepted. The link to the form is available on the communications sent to the student, the SFS Hub, and upon request to SFS. 

Appeals are reviewed by the Financial Aid Appeals Committee (“the committee”) whose members remain anonymous. The student’s SFS Counselor can serve as liaison for the committee if a student has concerns or questions regarding the appeal process or outcome. 

The student must submit their appeal before the semester’s appeal deadline. Accepting appeals after the semester’s deadline is at the discretion of the committee. The committee may request additional information and/or documentation for a student’s SAP appeal before making a final determination. Additional information and/or documentation must be submitted by the semester’s appeal deadline. 

Students receive appeal outcome notices via email and a letter mailed to their home address on file. The SAP appeal and outcome applies to federal and institutional financial aid only. Appeal outcomes are final and cannot be further appealed.  

Appeal Contents 

The student must include the following in their SAP Appeal: 

• Written narrative explaining why the student fell below SAP standards. The explanation must include specific dates and details about what the student experienced. 
• Written narrative explaining how circumstances have changed (why those reasons will no longer impact the student’s progress).  
• Documentation that proves the reasons/events listed in the first narrative did occur. The documents must be from a third party (someone other than the student). The documentation must include: 
  • Date(s) and details connected to the reasons/events, 
  • The student’s name, AND 
  • Signatures from the third party if it is a letter  

Appeal Outcomes 

If the appeal is approved, the student will be placed on Probation or Probation with an Academic Plan. Refer to the “What is Financial Aid SAP?” section for more information on these standings. 

In most cases, if the student does not return in the planned semester they are approved for, their approval will be honored for the following semester. It is the student’s responsibility to initiate this process with SFS. Additional documentation may be required in some circumstances. ?If an Academic Plan was required, a new plan needs to be completed and signed by the student before the semester’s payment deadline (indicated on the plan). 

If the appeal is denied, the student will remain at an Unsatisfactory standing. At this Unsatisfactory standing, the student is required to pay in full their next semester balance. Refer to the “SAP Appeal and Payment Deadlines” section for more information on payment options. 

SAP Appeal and Payment Deadlines 

The SAP policy includes several deadlines related to appeal and payment/probation resolution:  

SAP Appeal Deadline 

This deadline is the last day a student can submit a SAP Appeal for the applicable semester. The student has until 11:59 pm of that day to submit their appeal. 
 
Accepting appeals after the semester’s deadline is at the discretion of the committee. The committee may request additional information and/or documentation for a student’s SAP appeal before making a final determination. Additional information and/or documentation must be submitted by the semester’s appeal deadline. 
 

SAP Extension Payment Deadline 

This deadline is the last day a student can resolve their outstanding SAP affairs for the applicable semester. The student has until 11:59 pm of that day to resolve their outstanding SAP affairs. 

For students approved for Probation with an Academic Plan, this means it is the last day to sign their Academic Plan to finalize their probation and remain registered. If the student does not sign their plan by this date, their probation status will be cancelled, they will return to an Unsatisfactory standing, and they will be recommended to the Office of Academic Affairs for deregistration. The payment deadline will be indicated on the plan. 

For Unsatisfactory students, this means it is the last day to satisfy their semester balance in full to remain registered. Payment resolution include: 

• Out-of-pocket (one-time) payment 

• Cash or money order in the SFS office from 8:30 am until 4:00 pm only 
  • Online payment via eBill 
  • Paper checks are acceptable but are subject to a 7-day hold to ensure funds clear.
  • Paper checks will only be accepted until 9 days before the payment deadline to allow for processing and clearing of funds.   
• Private alternative educational loan 
  • To be considered a form of payment resolution, the student’s private alternative educational loan must be visible in the ElmOne system that SFS uses to process this funding source.  
  • Written or verbal confirmation on the approval of a loan will not be accepted. 
  • Some private lenders require the student to meet SAP standards. Please ensure the lender you apply to does not require Satisfactory SAP standing. Students can utilize elmselect.com to explore private loan options. 
• Nelnet Semester Payment Plan 
  • The payment plan budget must be for the full semester balance amount. 
  • SFS reserves the right to deny this payment option as a form of resolution if the student has a history of past plans being delinquent, terminated prior to the full semester balance being paid, or multiple payment attempts that were unsuccessful. 

Record Retention 

Students who wish to view or obtain a copy of their Student Financial Services records can complete the Request for Access to Student Records Form available from the Student Financial Services Office. Per U.S. Department of Education regulations, financial aid records are retained for three years after the award year for which aid was awarded. After the record retention period has expired, these records will no longer be available.