Satisfactory Academic Progress (SAP)

In order to receive federal or state financial aid, regulations require that the student maintain satisfactory academic progress toward completion of the student’s current academic program. Academic progress will be reviewed for each student, regardless of whether or not the student is receiving financial aid since these rules determine eligibility for future enrollments.


Satisfactory Academic Progress (SAP) at Grace Christian University governs the student’s eligibility to receive financial aid based on academic performance. The guidelines outlined below relate to a student’s eligibility to receive federal financial aid. Contact the Financial Aid Office (financialaid@ for information about maintaining eligibility for federal and state aid. The determination as to whether or not an undergraduate student is meeting the SAP requirements is made at the end of each academic year based on three factors mandated by federal policy. (Graduate students are evaluated at the end of each semester). These factors include cumulative grade point average (GPA), completion ratio, and maximum time frame as described below.

GPA Requirement

For Undergraduate students, Grace will evaluate the GPA Requirement after the Spring semester, but for Graduate students, Grace will evaluate the GPA requirement each semester. A student will be considered in violation if the student does not maintain the minimum GPA requirement.

The student must have earned the required cumulative GPA based on the semester hours attempted to maintain financial aid eligibility. The Director of Financial Aid has the authority to grant limited exceptions to first-time freshmen who fail to meet this requirement but whose cumulative GPA is at or above 1.50.

Undergraduate Semester Credit Hours Attempted Cumulative GPA Required Completion Ratio
3-27 1.50 The required completion ratio for all undergraduate levels is 67%.
28-55 1.75
56+ 2.00

Maximum Time Frame Requirement

The maximum time frame limits the number of credits a student may attempt when pursuing a degree. Grace will monitor the Maximum Time Frame Requirement at the end of each academic year by comparing the required hours for program completion to the cumulative hours attempted. A student will be considered in violation when it becomes mathematically impossible for them to graduate within the 150% time frame. For example, in an undergraduate program of study that requires 124 credits, you may not exceed 186 credits and remain eligible for financial aid.

Graduate students must complete all degree requirements within five years from admission to their program. An approved leave of absence of up to two semesters is not counted in the five years.

Completion Ratio Requirement

The completion ratio is determined by dividing cumulative semester hours earned by cumulative semester hours attempted. The minimum required completion ratio for undergraduate students is 67%, while the minimum required completion ratio for Graduate students is 75%.

Determining Satisfactory Academic Progress

When determining SAP, grades and credits are tallied according to the following guidelines:

• Earned semester hours include all grades (A, B, C, D, S, and P) including all +/- variations and applied transfer work.

• Attempted semester hours include the grades listed above, as well as E, F, U, W, WF, and XF.

• For repeated courses, credits from each time a student is enrolled are applied to the attempted and earned credits. However, only the most recent grade earned is used when calculating the cumulative GPA.

• Transfer credit accepted at the time of admission, if applicable, is not included when calculating cumulative GPA. Such credits are, however, included in the determination of a student’s cumulative GPA required.

• Transfer credits are also included when calculating the completion ratio and maximum time frame.

If it is determined that a student failed to meet the SAP standards outlined above, the student will be disqualified from receiving federal financial aid until the student has met the SAP standards. Students who no longer qualify for financial aid may secure alternate funding for their education and remain enrolled unless a determination has been made that the student is academically suspended.

SAP Appeal Process (for possible reinstatement of financial aid eligibility)

If a student loses eligibility to receive federal financial aid because of failure to meet the SAP standards, the student may attempt to regain financial aid eligibility in one of the following ways:

1. By successfully appealing the loss of eligibility. To appeal, the student must submit a Satisfactory Academic Progress Appeal Form, available from the Financial Aid Office. The extenuating circumstances that may justify reinstating one’s eligibility for financial aid on a temporary basis are outlined on this form. If this appeal is successful, the student’s eligibility for financial aid will be reinstated with specified conditions.

• When considering any extenuating circumstances, financial aid probation can only be granted if it is also determined that the student should be able to meet SAP standards by the end of the next semester. Failure to meet SAP standards at that time would make the student ineligible for federal aid without the right to further appeal.

• Under certain circumstances, the Financial Aid Appeal Committee has limited authority to approve an academic plan that would reinstate the student’s eligibility to receive federal aid provided the student is able to meet SAP standards by the end of the next academic year. This academic plan also includes a minimum threshold that must be achieved at the end of the first semester in order to maintain eligibility to receive federal aid. Failure to meet this threshold would make the student ineligible for federal aid without the right to further appeal.

2. By using personal financial resources to complete one or more semesters at Grace with at least half-time enrollment. Reinstatement of the student’s eligibility for financial aid will be determined at the end of each semester, dependent on whether or not the student meets the SAP standards at that time. Courses taken must be approved by the Registrar and must advance the student toward earning the declared degree.