Effective July 1, 2011
All institutions that participate in Title IV programs, which include all Federal and State Financial Aid (Loans, grants, Tennessee Lottery/Hope Scholarship, Work Study), must develop, implement, and publish a Satisfactory Academic Progress (SAP) policy. Failure to meet the following requirements for SAP in coordination with Federal SAP Guidelines may result in the loss of financial aid. These standards are for financial aid purposes only and do not replace or override the academic policies of the University of Tennessee at Martin.
SAP for federal and state financial aid programs is based on three measures: cumulative grade-point average, course completion
rate based on hours earned compared to hours attempted, and a maximum timeframe for degree completion.
Your SAP status is based on your entire academic record at all schools attended, regardless of whether you received financial
aid.
UT Martin will check each student’s SAP annually, after grades post for spring semester, unless student is on an Academic
Plan or Graduation Plan due to a prior approved appeal, in which case will be checked at the end of each semester until
student is meeting SAP standards. Students who are suspended due to failure to meet the SAP standards must have an appeal
approved before they will receive financial aid. Students will be suspended for not meeting any or all of the following
standards:
• Course Completion Rate (CCR) – Students must earn (pass) a cumulative 67% of all hours attempted to remain
eligible for Financial Aid. Grades of A, B, C, D, & P count as attempted and earned credit hours. Grades of F, I, W,
WP, & WF count as attempted but not earned credit hours. For example, a student with 100 cumulative attempted hours
must have earned a passing grade in at least 67 of those attempted hours.
• Minimum Cumulative GPA – All students must maintain a minimum cumulative GPA of 2.0 to be making satisfactory
academic progress for financial aid.
• Maximum Time Frame – The maximum time limit for a student to receive financial aid is 150% of the published
program length. Most undergraduate degree programs at UTM require 120 credit hours to complete. For a student to be placed
on unsatisfactory progress due to the maximum time frame, they would either meet or exceed 180 attempted hours. All grades,
A, B, C, D, F, I, P, W, WP, & WF count as attempted hours. Students who exceed 225 cumulative attempted hours WILL
NOT BE ALLOWED to receive financial aid, OR appeal their status. The Financial Aid Coordinator or Director may override
this limit under special circumstances.
• *Graduate programs; the maximum time frame is determined as 150% of the required hours for the degree as published
in the Graduate Catalog.
Please be aware that a student
may only submit a total of THREE appeals at UT Martin.
(This applies to appeals filed
after July 1, 2011. Appeals filed prior to July 1, 2011 are considered under the past policy and will not be included
when counting the total of appeals filed. The Financial Aid Coordinator or Director may override the limit of three appeals
under special circumstances.)
Transfer students’ course completion rate, minimum GPA, and maximum time frame requirements will be evaluated for satisfactory
academic progress based on the transfer credits and grades accepted by UT Martin.
Hours for which an incomplete grade is received will count toward attempted but not earned hours in the calculation of
the course completion rate. The final grade for the incomplete hours will be calculated into the GPA when the course is
graded. It is the student’s responsibility to notify the Financial Aid Office when the course is graded.
Types of Financial Aid Progress Status
•
Academic Plan – If a student has a SAP Appeal approved and it is
NOT possible for them to maintain the required Course Completion Rate and GPA after one semester of enrollment;
they will be placed on an Academic Plan which is to maintain a SEMESTER Course Completion Rate of 80% and a 2.0 GPA. If
a student on an Academic Plan fails to meet the semester goals of their plan, they will be suspended from their financial
aid for the upcoming and subsequent terms until they are in compliance with the SAP standards or have an appeal approved.
Students can not file more than three (3) appeals during their time at UT Martin.
•
Graduation Plan – If a student’s appeal is approved for Maximum Timeframe, the student will be placed on a Graduation
Plan. This Graduation Plan should consist of the classes and number of hours left to graduate as well as the signature
of the student’s advisor. The Graduation Plan will be reviewed at the end of each term. If a student’s appeal for Maximum
Time Frame, or exceeding
150%, is approved, they will
ONLY be approved for the number of hours indicated on their Graduation Plan, but
NOT EXCEEDING 225 attempted hours. Progress will be checked at the end of each semester until the student graduates
or reaches 225 attempted hours.
Notification of Status and Right to Appeal
Students who have been suspended from financial aid will be notified of changes to SAP status via US Mail. Changes in
SAP status can also be viewed by the student by logging in to Banner Self-Service.
Paying out of pocket for classes or sitting out a semester is not grounds for reinstatement of aid. Students must bring
their academic progress back into compliance or have an appeal approved to have aid reinstated.
Satisfactory Academic Progress Appeals Process
Students appealing their Satisfactory Academic Progress status are required to submit an appeal for review. The following
are to be included with the SAP Appeal: • Financial Aid Appeal Form • Signed Statement indicating rationale
for appeal. Statement must include an explanation of
unusual
circumstances that led to financial aid suspension.
• Sufficient documentation to support claim of unusual circumstance. Lack of documentation may lead to the denial
of appeal. Supporting documentation might include medical records, police reports, obituaries, or legal records.
• Graduation Plan, if applicable.
Appeals are reviewed by the Financial Aid Review Committee once a week. Students are notified of the
committee’s decision via US Mail.
A student who has an appeal approved will be placed on an Academic Plan or a Graduation Plan status for the following
semester of enrollment. The appeal approval notification may list restrictions or requirements to be followed by the student.
Failure to follow restrictions or requirements may result in immediate forfeiture of financial aid.
Students' enrollment hours may fluctuate during the week of drop/add (the first week of classes). At the end of drop/add week, faculty will report attendance, and enrollment level will be determined based on any courses added to or dropped from the original registration.
In order to continue to serve the needs of students, The Office of Business Affairs will continue to deliver excess aid funds (refunds) beginning the second day of classes. The amount of excess aid will be based on your ORIGINAL enrollment level.
Students must be enrolled in at least 6 hours to remain eligible for financial aid (with the exception of Pell Grants in certain instances).
Students who fail to begin attendance in any class for which they register (and do NOT officially drop) will be reported to the Financial Aid and Scholarships Office as a "no show" and financial aid recipients will have their aid adjusted accordingly.
TSAC grants and Pell grants are adjusted to less than full time award amounts at the time of disbursement. Students who drop to less than 12 hours during the first week of classes will have their fees and grants adjusted accordingly. Students who pick up an excess aid check prior to dropping enrollment will be required to repay any funds for which they are not entitled. Please feel free to call The Office of Financial Aid and Scholarships if you have any questions (731) 881-7040.
Our office adheres to the National Association of Student Financial Aid Administrators' "Statement of Ethical Principles and Code of Conduct for Institutional Financial Aid Professionals."
Students who receive federal Title IV aid and withdraw either officially or unofficially are subject to federal Return of Title IV aid regulations. These regulations require a calculation to determine the amount of federal Title IV aid “earned” by the student based on their withdrawal date. Federal Title IV programs include Federal Pell Grant, Direct Loans, Perkins Loans, Federal Supplemental Educational Opportunity Grant (FSEOG), and TEACH Grant.
Students who never begin attendance for the semester are not eligible to receive any federal Title IV aid funds. If federal Title IV aid has been disbursed and it is then discovered that the student never attended, all federal aid must be returned. The student will be billed for any portion of returned aid that is not covered by the institutional refund. No Return of Title IV calculation is required, however, as students who have not attended are not eligible to receive any of their Title IV aid.
Students who receive federal Title IV financial aid and withdraw from all classes – officially or unofficially - are subject to federal Return of Title IV regulations. The Return of Title IV aid calculation determines the amount of earned and unearned federal Title IV aid, based on the student’s withdrawal date. Students earn Title IV aid as they attend classes during the semester. Only when a student has attended past the 60% mark in the semester have they earned all of their federal Title IV assistance for the term. The Return of Title IV aid calculation determines if federal funds need to be returned by the institution and/or the student (when federal aid has been disbursed for the semester) or if the student is due a post-withdrawal disbursement of federal aid (when federal aid has not been disbursed). The Return of Title IV aid calculation is made within 30 days of the University receiving the student’s withdrawal request (or notice of unofficial withdrawal) and the student is notified of the results of this calculation. The enrollment period will include the first day of class through the last day of finals but will exclude breaks that are five consecutive days or more, such as spring break.
The Return of Title IV calculation may require a return of previously disbursed federal aid by UTM and/or the student.
This return of Title IV funds may result in an outstanding balance that the student owes UTM. After UTM adjusts the student’s federal aid awards based on the R2T4 calculation of earned aid, federal funds may not cover all of the student’s institutional charges. It is the student’s responsibility to return any other funds in accordance with the terms of the loan, or grants in the case of an overpayment. Students who receive federal student financial assistance funds in excess of their direct cost (i.e. maintenance, tuition, room) may be required to repay funds to certain Title IV programs (See Repayments below).
Once the return has been processed a letter is mailed to the student that explains that there is an amount due to the institution, which aid was returned, based on the withdrawal date, and that the balance must be paid before they can register for any subsequent semesters. There is also an additional letter that is mailed that explains the refund calculation, Satisfactory Academic Progress, grace periods for loans, exit counseling for loans, and requirements to maintain the Tennessee Lottery Scholarship.
Title IV funds are returned in the order listed below, as determined by the federal Department of Education. Title IV funds are returned within 30 days of the student’s withdrawal.
Note: The University reserves the right to bill the student for any Return of Title IV aid that exceeds the University’s institutional refund (as determined by UTM refund policy).
Students who receive federal student financial assistance funds in excess of their direct cost (i.e. maintenance, tuition, room) may be required to repay funds to certain Title IV programs.
If a student is due a post-withdrawal disbursement, a letter is sent to the student offering the amount of disbursement that is not credited to the student’s account. This letter is mailed no later than 30 calendar days after the date the school determines the student withdrew. This letter will identify the type and amount of funds that make up the post-withdrawal disbursement. It also explains the student may decline all or a portion of those funds. The letter will inform the student that he or she has 14 calendar days from the date of the letter to accept this disbursement. With a timely and positive response from the student, the post-withdrawal disbursement is disbursed to the student’s account within 90 days of the date of the institution’s determination that the student withdrew. Without a timely response or with a negative response from the student, the post-withdrawal disbursement must be returned to the appropriate fund, if received.
An overpayment exists whenever a student receives aid that exceeds his or her eligibility for a Title IV program. Overpayments can be caused by incorrect reporting of information on the FAFSA, miscalculating cost of attendance, miscalculation of the EFC by a school, paying ineligible students, and paying aid in excess of grant or loan maximums. In general, unless the school is liable, a student is liable for any Pell, Perkins Loan, or FSEOG overpayment made to him or her.
UTM is liable for any amount of a Pell Grant, TEACH Grant, Perkins Loan, or FSEOG overpayment (including amounts under $25) that occurred because we failed to follow the federal requirements. When returning Pell overpayments, we make a downward adjustment to the student’s award in the federal Common Origination Disbursement (COD) website, and report the return to the UT system, who returns the funds to the Department of Ed. This is not a Title IV debt, in this case, because UTM is responsible for the overpayment and will not become a Title IV debt for a student. If an overpayment is the result of an interim disbursement and the student does not repay it, UTM will repay the overpayment from the school’s funds within 45 days following the student’s last day of attendance or by the last day of the award year, whichever comes first.
In some instances, a student rather than the school is responsible for repaying the overpayment. If a student has received more Pell funds than the student was eligible to receive because the student’s eligibility for Title IV aid decreased, we will try to eliminate the overpayment by adjusting later disbursements for the award year. If that is not possible, we will attempt to recover the overpayment by notifying the student by email and requesting full payment of amount owed. If the student fails to repay the overpayment within 45 days he or she will be ineligible for Title IV funds until the overpayment is resolved. If the student has not repaid or made satisfactory arrangements to repay the overpayment by 45 days, we will report the overpayment to the Dept. of Ed collections on the next business day and the student will be ineligible for Title IV funds until the overpayment is resolved.
A student may not receive Federal Pell Grant funds for concurrent enrollment at more than one institution. The COD system will identify students who have been reported as Pell recipients by multiple institutions as potential overawards (POP files). The schools that awarded the student Pell Grant funds for the period must coordinate their response so that the student is receiving Pell Grant funds for attendance at only one school during the period. If after 30 days the schools have not resolved the overpayment, the COD system will reduce both schools’ authorization for this student to zero, and the issue will have to be addressed with the Dept. of Ed’s involvement.
When a student decreases the number of hours attempted during a term to less than a full course load (12 hours if campus courses), charges for these hours will be calculated based upon the official drop day as presented to Bursar’s Office from the Office of Academic Records.
Charges for the dropped hours will be calculated as follows:
| Calendar days of Term | % Charged | % Refund |
|---|---|---|
| Day 1-7 | no charge | 100% |
| Day 8-14 | 20% | 100% |
| Day 15-21 | 40% | 60% |
| Day 22-28 | 60% | 40% |
| Day 29-end of term | 100% | 0% |
Refunds of tuition are based on the fees charged, not the amount paid. If the student is receiving financial aid, refunds will be returned to the financial aid accounts, including lenders of student loans, before any money is returned to the student. Credit balances from all sources of the university, with the possible exception of Title IV funds, will be applied to outstanding charges before a refund is issued.
Withdrawing from school for any reason during any term must be made by submitting a request to withdraw in Banner Self-Service. Failure to attend classes does not cancel enrollment. The date of the withdrawal is one factor used to determine the amount of fees to be returned. Other factors include whether or not a student is receiving Title IV financial aid and whether unpaid charges (total institutional costs minus the sum of total aid paid to institutional costs and cash paid by the student) remain on the student’s account. The institutional refund percentages will be used to calculate charges on hours dropped (tuition, fees and room):
| Calendar days of Term | % Charged | % Refund |
|---|---|---|
| Day 1-7 | no charge | 100% |
| Day 8-14 | 20% | 100% |
| Day 15-21 | 40% | 60% |
| Day 22-28 | 60% | 40% |
| Day 29-end of term | 100% | 0% |
Refunds of tuition are based on the fees charged, not the amount paid. If the student is receiving financial aid, refunds will be returned to the financial aid accounts, including lenders of student loans, before any money is Refunds 43 returned to the student. Credit balances from all sources of the university, with the possible exception of Title IV funds, will be applied to outstanding charges before a refund is issued.
Summer school term is shorter than fall and spring and the summer term is divided into sessions. Therefore, charges for hours dropped (or withdrawals) will be calculated on the following basis:
| Maymester 0% | 1st Session | 2nd Session | Full Term | % Charged | % Refund | |
|---|---|---|---|---|---|---|
| Day | 1-2 | 1-4 | 1-4 | 1-7 | no charge | 100% |
| Day | 3-4 | 5-7 | 5-7 | 8-14 | 20% | 100% |
| Day | 5-6 | 8-11 | 8-11 | 15-21 | 40% | 60% |
| Day | 7-8 | 12-14 | 12-14% | 22-28 | 60% | 40% |
| Day | 9-end | 15-end | 15-end | 29-end | 100% | 0% |
Refunds may not be made until two weeks after the close of registration during the regular school year and two weeks after the close of second session summer semester registration.
Example: The student’s institutional charges for the semester total $4,130, which was paid by a personal check. The student withdrew on the ninth calendar day following regular registration. The refund would be $3,304.40.
Calculation: Semester rate - [ (# of hours) x (% Charged) x (per hour rate) ]= Refund
$4,130 - [ (12) x (20%) x ($344) ] = $3,304.40
The federal refund calculation policy will be used for students who have attended classes at UTM and are receiving Title IV financial aid. Under this refund policy, withdrawals on the first day of classes will permit a 100% refund of institutional charges (fees, tuition, room and board, with no allowance for deposit or consumption on room and board). Withdrawals after the first day of classes will be calculated based on the number of days the student completes in the enrollment period.
Example: The student has enrolled at UTM and is receiving a federal Pell Grant and loan of $5,525. The institutional charges are $4,130. The student withdrew on the 15th day of the enrollment period. The enrollment period is 110 days in length (15/110=13.6% completed days). The refund percent will be 86.4%. Therefore, $4,130 x 86.4%= $3,568.32 will be returned to the federal loan or Pell accounts.
Teri, a returning junior at UTM, began part-time classes on August 22nd. A Pell Grant of $567 was applied to her institutional charges of $2,118. Teri made an out of pocket payment of $559.50 and set up a payment plan for the balance of $991.50 (plus $30 service fee).
On September 6th, when she completed 14.5% of the semester, Teri logged into her Banner Self-Service account and submitted the withdrawal form. The Records office receives the form and removes the 6 hours and the Bursar’s office credits her account $2,118, which is 100% of the institutional charges, based on the institutional refund policy.
The Office of Financial Aid and Scholarships performs the required return calculation on September 19th and determines that the amount of unearned funds due from the school is $488, which is then returned. After the school returned the required amount of $488, the new total of Title IV funds on the student’s account was $79, and the new Title IV credit balance was $1,630. Teri was mailed a letter explaining the withdrawal process on September 19th and a refund was issued from the institution on September 19 for $1,630.
