To be eligible for Title IV federal student aid, a student must maintain satisfactory academic progress (SAP) toward the successful continued progression of an educational degree or certificate. Progress is measured by an objective set of standards at the end of each payment period for the fall, spring and summer semesters. All acceptable hours appearing on transcripts from prior schools will be used to determine SAP status. Hours are included in the calculation whether Federal Student Aid was received or not. Violation of any section of this policy will result in the loss of Federal Student Aid eligibility.
Categories of Students
All Title IV federal student aid recipients will be measured using the same objective standards; GPA, PACE and maximum timeframe. TCC does not group Title IV recipients into categories for the purpose of monitoring SAP. Additionally, the same SAP requirements must be met by all students regardless of enrollment status, i.e. full time, part time or less than half time.
The financial aid office will evaluate SAP for all Title IV federal student aid recipients at the end of each payment period, fall, spring and summer, to ensure students are meeting qualitative and quantitative standards as well as maximum time frame.
Requirements for Satisfactory Academic Progress:
Title IV federal student aid recipients are required to meet the following standards at the end of each payment period, fall, spring and summer:
Qualitative Progress Requirement
- 1.70 cumulative GPA for all students who have attempted less than 31 credit hours.
- 2.00 cumulative GPA for all students who have attempted 31 or more credit hours.
Quantitative Progress Requirement
- PACE at which a student must progress through his or her educational program to ensure completion of the program within the maximum time frame: complete at least 67% of the total number of credit hours attempted. PACE is calculated by dividing the cumulative number of hours the student has completed by the cumulative number of hours the student has attempted.
Maximum Time Frame Requirement
- Complete a degree program within a maximum time frame of 95 attempted credit hours. A student’s number of attempted credit hours cannot exceed 150% of the hours required for the degree being pursued. The average two-year degree at TCC requires 63 credit hours; 63 multiplied by 150% is equal to 95.
Transfer Course Work
Students are required to have official transcripts from all prior accredited institutions of higher learning on file with the TCC Enrollment Services Office. All course work accepted for credit by TCC will be considered in the qualitative (GPA) quantitative (PACE) and maximum time frame requirements of SAP including remedial (zero level) and repeated course work.
When a previously non-passed course is repeated, both grades will remain on the permanent record and both grades will be used to compute the cumulative GPA in the calculation of a student's Satisfactory Academic Progress status. Each repetition will count towards the attempted hours.
When a previously passed course is repeated, both grades will remain on the permanent record and both grades will be used to compute the cumulative GPA in the calculation of a student's Satisfactory Academic Progress status. Each repetition will count towards the attempted hours; however, the course will only count toward completed hours once.
Treatment of Grades
Effect of Grade
A, B, C, D and S
Letter grades used to indicate successful completion of a course. All passing grades are considered in the qualitative (GPA), quantitative (PACE) and maximum time frame requirements of SAP including remedial (zero level) and repeated course work.
DA, DB, and DC
Letter grades used to indicate successful completion of a remedial course. All passing grades are considered in the qualitative (GPA), quantitative (PACE) and maximum time frame requirements of SAP including remedial (zero level) and repeated course work.
Letter grade used to indicate unsuccessful completion of a course. All non-passing grades are considered in the qualitative (GPA), quantitative (PACE) and maximum time frame requirements of SAP including remedial (zero level) and repeated course work.
DD and DF
Letter grade used to indicate unsuccessful completion of a remedial course. All non-passing grades are considered in the qualitative (GPA), quantitative (PACE) and maximum time frame requirements of SAP including remedial (zero level) and repeated course work.
Grade used to indicate that a student has officially withdrawn from a course. This grade is considered non-passing and will count in the quantitative (PACE) and maximum time frame requirements of SAP including remedial (zero level) and repeated course work. This grade is GPA neutral.
Grade used to indicate that a student was administratively withdrawn from a course. This grade is considered non-passing and will count in the quantitative (PACE) and maximum time frame requirements of SAP including remedial (zero level) and repeated course work. This grade is GPA neutral.
Grade used to indicate the student has not completed all course requirements in order to earn credit. This grade is considered non-passing and will count in the quantitative (PACE) and maximum time frame requirements of SAP including remedial (zero level) and repeated course work. This grade is GPA neutral.
Grade used to indicate the student has audited a course and is not seeking course credit. This grade is considered non-passing and will count in the quantitative (PACE) and maximum time frame requirements of SAP including remedial (zero level) and repeated course work. This grade is GPA neutral. Any aid received for audited courses will be returned to the appropriate program and the student will be responsible for repayment to TCC.
Financial Aid Warning
Students who fail to meet either the PACE component, GPA component, or both, will be placed on financial aid warning for one payment period. Students on financial aid warning remain eligible to receive Title IV funds and should work to improve his or her GPA and PACE. Failure to meet all SAP standards at the end of the warning period will result in financial aid suspension and the loss of Title IV federal student aid eligibility. There is no warning period once a student reaches his/her maximum time frame.
Financial Aid Probation
If a student successfully files a SAP appeal, the student will be placed on financial aid probation. Students on financial aid probation are eligible for Title IV Federal Student Aid. Students who require more than one payment period to meet the minimum GPA and PACE standards will be placed on an academic plan. Students on an academic plan will be placed on financial aid probation until the student completes the academic plan, at which time they must meet all the minimum qualitative and quantitative standards. Failure to successfully complete or comply with the provisions of the academic plan will result in financial aid suspension and the loss of Title IV Federal Student Aid eligibility.
Suspension of Aid
Students who fail to meet the requirements of this policy will be suspended from financial aid. Funds affected by this policy include all applicable federal, state, and college funds including but not limited to Federal Pell Grant, Federal Supplemental Education Opportunity Grant (SEOG), Federal Direct Loans, Federal Direct PLUS (Parent) Loans, Federal Work Study, Oklahoma’s Promise, OTAG and Tulsa Achieves.
Students on financial aid suspension have the right to appeal. A student may appeal the suspension of financial aid due to extenuating circumstance. Exceptional circumstances may include but are not limited to illness, death of an immediate family member, or traumatic events in the student’s life.
A student on financial aid suspension may appeal if they do not meet the GPA and/or PACE requirements. Students on financial aid suspension may appeal once per semester. The student must complete the Satisfactory Academic Progress Appeal form and include the following:
- Typed statement, explaining the circumstances which prevented the student from maintaining SAP. The typed statement must address the following: Why the student failed to meet SAP standards? What has changed in the student’s circumstances? What the student plans to do differently from the past in order to meet minimum SAP standards?
- Required documentation that supports the circumstances in the written statement. Acceptable documentation can be, but is not limited to, medical or legal documents, police reports, letters from college staff or faculty, employers, counselors, attorneys, doctors or other objective persons who are knowledgeable of the student’s circumstances. Acceptable documentation does not include letters from friends and/or family.
- An academic plan and SAP calculator that was created in collaboration with a TCC Academic Advisor. This includes counseling the student, review their degree audit, program requirements, and academic progress, as well as provide the SAP calculator.
- Completed a degree audit if over 95 attempted hours or will be over 95 attempted hours before the end of the academic plan. This should be signed by a TCC Academic Advisor and indicate the number of hours remaining to complete the degree (including the current semester).
Additionally, a student on financial aid suspension may appeal if they exceed the maximum time frame. A request for an extension of excessive hours should be submitted using the appropriate form to the financial aid office. Student must include the following for the appeal:
- Completed Request for Extension of Excessive Hours form,
- Typed statement explaining why the student has attempted more hours than allowed for his/her program.
- Documentation of relevant circumstances.
- Degree Audit signed by a TCC Academic Advisor indicating the number of hours remaining to complete the degree (including the current semester).
When a student fails to meet GPA and/or PACE SAP standards and wishes to submit an appeal to the financial aid office, he or she must also submit an academic plan. Academic plans are developed in collaboration with a TCC Academic Advisor in the Office of Student Development. An academic advisor will counsel the student and review their degree audit, program requirements, and academic progress, as well as provide the SAP calculator. The SAP calculator is a mathematical tool to determine the plan’s target completion date given the specified GPA and PACE rate.
The academic plan will establish on an individual, case-by-case basis, the student’s needed GPA and PACE rate in order to meet minimum SAP standards. Additionally, the academic plan, if successfully followed, will identify when the student will be able to meet the minimum SAP standards.
Upon development of an agreeable academic plan, the student will submit the plan along with other appeal requirements to the financial aid office. Students on an academic plan will be evaluated at the end of each payment period; fall, spring and summer. Failure to successfully complete and/or comply with the provisions of the academic plan will result in financial aid suspension and the loss of Title IV federal student aid eligibility.
College SAP Committees
TCC has established SAP committees at each of the four main campuses. These committees are made up of 5-8 individuals consisting of TCC staff and faculty. Serving on the committee is a 12-18 month obligation for all members with the exception of the Financial Aid Counselor. Each of the four Financial Aid Counselors are responsible for attending the committee meetings to provide guidance to the committee and to ensure compliance with the regulations. Committee members are routed an electronic workflow of pending appeals. Committee members will review SAP appeals, supporting documentation and academic plans through TCC’s imaging system. Upon reaching a decision, the committee chairperson will enter the decision into the workflow which will subsequently update the student’s record in Banner.
If an appeal is approved by a SAP committee, the student will be placed on financial aid probation. Students on financial aid probation are eligible for Title IV federal student aid. Students who require more than one payment period to meet the minimum GPA and PACE standards will be placed on an academic plan until the student completes the academic plan, at which time they must meet all of the minimum qualitative and quantitative standards. Failure to successfully complete and/or comply with the provisions of the academic plan will result in financial aid suspension and the loss of Title IV federal student aid eligibility.
If an appeal is denied by one of the SAP committees, the student will remain on financial aid suspension. Students on financial aid suspension are ineligible for Title IV federal student aid. Students should successfully complete at least six credit hours at their own expense at TCC, or attend another accredited institution of higher education and earn at least a 2.0 GPA before submitting another appeal.
Students may re-establish financial aid eligibility by:
- Successfully completing course work until the minimum standards are met, or
- Successfully appealing financial aid suspension.
When a student appeals financial aid suspension, there is no guarantee the appeal will be approved. Once suspended, there is no guarantee a student may receive financial aid until he or she is meeting minimum standards again. Upon reaching the minimum standards, the student will need to re-submit an appeal in order for his/her progress to be reviewed.
Students will be notified by TCC email of any changes to their satisfactory academic progress status such as Warning, or Probation. The email will direct them to their Financial Aid Dashboard in the MyTCC portal where they will see detailed information about their SAP status and notification of their right to appeal. Additionally, if a student has appealed their suspension they will be notified via TCC email that the SAP Committee has reached a decision. The email will direct them to their Financial Aid Dashboard in the MyTCC portal where they will view the decision.
Disbursement and Refunds
Financial Aid Disbursements and Refunds
All financial aid is disbursed to students through the Bursar’s Office. Financial aid funds will first reduce any debt students owe TCC such as tuition and fees. Any remaining balance (refund) will go directly to the students by the disbursement method selected by the student (Debit Card, direct deposit, or paper check).
Students should select a preferred refund method.
The first disbursement of financial aid (grants, federal student loans, and scholarships) to eligible students will occur approximately one week after the add/drop period of each semester. Subsequent disbursements will occur each week until the semester ends. Refunds are issued to students once a week.
Pell Grants pay based on the number of credit hours you are enrolled in at the end of the add/drop period. Check the academic calendar for the exact date each semester. If you add a class after the add/drop deadline, you cannot be paid Pell for the additional credit hours.
Federal Direct Student Loans are issued in two disbursements. If your loan is for two semesters (for example, fall and spring) then you will receive half of your total loan each semester. If your loan is for one semester (for example, spring only) then your second disbursement will be available at the calendar midpoint of the semester. You must be enrolled in at least six credit hours to receive a loan disbursement.
If you are a first-time, first-year borrower, Federal regulations require that you wait until 30 days after the semester has begun to receive your first disbursement.
Scholarships are issued in two disbursements – half for Fall and half for Spring.
Tulsa Community College does participate in private loans.
Students' Rights and Responsibilities
Student Rights and Responsibilities
Students at TCC applying for, and receiving financial aid, have a right to the following:
- Information on all financial assistance available, which includes all federal, state, and institutional financial aid programs.
- Disclosure of application deadlines for each financial aid program and for any supporting documentation.
- Specific information regarding fees, tuition, and the refund policy for those who drop out of school (withdraw).
- An explanation of how students are selected to receive financial aid and how financial need is determined. This process includes a consideration of costs of tuition and fees, books and supplies, room and board, transportation, personal and miscellaneous expenses, etc., plus the student’s income and assets, parental contribution, other financial aid (such as scholarships) and so on.
- Knowledge of what resources are considered in the calculation of student need.
- Knowledge of how a financial aid package is determined.
- An explanation of various programs awarded in the student’s financial aid package. If a student feels unfairly treated, a reconsideration of the award may be requested.
- If a return of Federal funds (Title IV funds) needs to be calculated, the student has the right to know the portion of financial aid the student received that must be repaid.
- If a return of Federal funds (Title IV funds) needs to be calculated for a loan, the student has the right to know what the interest rate is, the total amount to be repaid if any, when repayment begins, and the conditions of deferment and cancellation.
- Knowledge of how TCC determines whether students are making “satisfactory academic progress” and the consequences of not meeting this requirement.
- A student has the right to challenge or appeal a financial aid award or any other decision of the Financial Aid Office pertaining to the student, which does not fall under the jurisdiction of federal or state regulations. The right includes answers to questions, explanations of policies and decisions, and requests for reconsideration.
Students at TCC applying for and receiving financial aid are responsible for the following:
- Reviewing and considering all information about TCC’s academic programs before enrolling.
- Completing all the application forms ACCURATELY AND COMPLETELY and submitting them to the right place on time. If this is not done, financial aid could be delayed. Since errors can cause misunderstanding and misrepresentation of information provided, errors must be corrected before any financial aid can be received. Intentional misreporting of information on application forms for federal financial aid is a violation of the law and is considered a criminal offense subject to penalties under the U.S. Criminal Code, and subjects the student’s application to denial. Additionally, regulations require that all cases of suspected fraud emanating from misrepresentation, be reported to the Office of the Inspector General.
- Promptly returning all additional documentation, verification, corrections and/or new information requested by either the Financial Aid Office or the agency or agencies to which an application was submitted.
- Reading and understanding all forms that the student is asked to sign.
- Notifying the agency holding the student’s federal loan (The U.S. Department of Education, etc) of any changes in the student’s name, address or school enrollment status.
- Performing the work that is agreed upon in accepting a college work-study award.
- Knowing and complying with the deadlines for application or reapplication for aid.
- Knowing and complying with the TCC Federal Aid Refund Policy.
- Repaying financial aid funds if it is determined that the student was ineligible to receive the funds.
Each educational institution decides which loan programs it will make available to its students. TCC offers a variety of loans to students who qualify. However, TCC will not process any request for loans without the student first completing the Free Application for Federal Student Aid. We wish to make sure that students first qualify for grants before loans are processed.
TCC is a low-cost community college that grants certificates, two-year associate degrees, and prepares students for transfer to four-year universities for bachelor’s degrees. Students who default on their student loans affect TCC’s ability to participate in the financial aid programs once the institution’s default rate reaches certain levels. TCC will suspend processing loans if a student’s debt reaches $22,000 until they complete a Student Group loan counseling. Students should not use all their loan eligibility at a two-year school. It’s important to have some eligibility left for use at a 4-year college so academic goals can be reached.
TCC participates in the William D. Ford Federal Direct Stafford Loan Program (Direct Loans) which is one of the Federal Title IV Programs. It is the philosophy of the Financial Aid Program at TCC that loans should be taken out as the last alternative for financing a student's education. It is also recognized that in many cases, a student loan may be the only viable alternative for meeting educational expenses.
Direct Loan Packaging Policy
A statement will be included on the Financial Aid Award Notification through MyTCC indicating that the student may be eligible for student loans and those wanting more information are instructed to contact the Financial Aid Office or review the process on the Financial Aid website.
First-year students who have unmet need after all other financial aid has been awarded, may borrow a subsidized Direct Loan up to the amount of their unmet need or $3,500, whichever is less. Second-year students may borrow a subsidized Direct Loan up to the amount of their unmet need, or $4,500, whichever is less. TCC identifies a first-year student as one who has completed less than 30 credit hours toward his or her current educational program and a second-year student as one who has completed 31 or more credit hours toward the current educational program.
NOTE: TCC does adjust loan amounts for students who advance to the 2nd-year level during the academic year only for the semester the student becomes eligible for the advance.
Also, loan amounts must be prorated for students with only one semester remaining to complete the requirements of the educational program. Prorating also applies to a student who has a one semester extension of financial aid eligibility approved. This means that if you have loan eligibility for the academic year of $5,500.00, we will only process half of this amount for the one semester loan.
Students who do not have sufficient “unmet need” to borrow the annual maximum from the subsidized Direct Loan may replace the expected family contribution with an unsubsidized Direct Loan. Students who have no “unmet need” may borrow up to the annual loan limits from the unsubsidized Direct Loan. Such students will be sent an email through their MyTCC student account, explaining that they have no calculated need and informing them of the availability of the unsubsidized Direct Loan. Dependent students may apply for up to $2,000 in additional unsubsidized loans. Independent students may apply for up to $6,000 in additional unsubsidized loans.
Application Procedure and Disbursements
Students who have not previously borrowed a Direct Loan must complete the Direct Loan Entrance Counseling session online starting spring 2016. Each session will cover those topics specified by federal regulation including borrower rights and responsibilities, repayment options, and consolidation issues. Students may access the Direct Loan Entrance Counseling session at https://studentloans.gov/myDirectLoan/index.action. Students must have completed a FAFSA before a Direct Loan Application will be accepted.
Students receiving Direct Loans for both fall 2016 and spring 2017 will receive one-half of the loan proceeds in the fall semester and the other half during the spring semester. The second disbursement for spring will occur only after the fall grades have been reviewed. Direct loans for first-year borrowers (defined as anyone who has not previously had a Direct Student Loan) will be disbursed at least thirty days after the semester begins. All Direct Loan proceeds will be disbursed using the disbursement options described previously.
The aggregate loan limits for undergraduate dependent students are $31,000 (no more than $23,000 of which can be subsidized) and the aggregate loan limits for undergraduate independent students are $57,500 (no more than $23,000 of which can be subsidized).
TCC defines the loan period based on the semester a student requests the loan. The loan period can either be an academic year (fall and spring semesters) or a single semester (fall, spring or summer). If a student receives loans from another school within the same loan period, then we must consider all loans received and certify only the remaining loan eligibility.
Every student loan borrower is required to complete an exit interview at the conclusion of their academic stay with TCC or when they stop attending less than half time. Students will be required to complete the exit counseling on-line. TCC is required to document students on-line entrance interviews and exit interviews to demonstrate that TCC has complied with the U.S. Department of Education’s requirements.
Subsidized Usage Limit
Effective for all loans originated after July 1, 2013, Federal Law now limits eligibility for subsidized loans to 150 percent of the length of the student’s academic program. The 150 percent change means students in a two-year program will be eligible for subsidized student loans for the equivalent of three years. The student who reaches this limitation could continue to receive unsubsidized Stafford loans if he or she is otherwise eligible (for example, has not run afoul of the school’s satisfactory academic progress requirements). The new limitation affects new borrowers on or after July 1, 2013. Since only periods for which the student received subsidized loans appear to count, the 150 percent limit would only include periods of borrowing that began on or after July 1, 2013. For transfer students who were enrolled in more than one educational program that began on or after July 1, 2013, the limitation would be calculated by taking the difference between 150 percent of the published program length of the longest educational program in which the borrower was enrolled and any periods of enrollment in which the borrower received a subsidized Stafford loan.
Once a borrower has reached the 150 percent limitation, his or her eligibility for an interest subsidy also ends for all outstanding subsidized loans that were disbursed on or after July 1, 2013. At that point, interest on those previously borrowed loans would begin to accrue and would be payable in the same manner as interest on unsubsidized loans.
Federal Direct Student Loan Program
Federal direct student loans are a long-term financial obligation. Accepting a loan means accepting the responsibility for repaying the money you borrow including interest costs and fees. Before you request a loan, make sure you find out the true costs, interest rates, and how long it will take to repay the loan. Be a smart borrower!
You may ONLY use the student loan to pay for your education expenses at the school that is giving you the loan. Education expenses include school charges such as tuition, room and board, fees and indirect expenses such as books, supplies, equipment, dependent child care expenses, transportation, and rental or purchase of a personal computer. Credit checks and co-signers are not required for federal direct student loans. However, you cannot be in default on a previous student loan, owe a repayment of other federal financial aid, or be enrolled in less than 6 credit hours.
Direct PLUS (Federal Parent Loans)
If your parent is interested in a low-interest loan to help pay for the cost of your college education, have your parent go to the https://studentaid.ed.gov/sa/types/loans/plus. Eligibility information, interest rates, and application instructions are there.
One Federal Student Loan Services partner has created a very useful Repayment Plan Estimator to provide estimated payment amounts for each repayment plan based on your loan balance and anticipated income. This tool can be used for all of our students regardless of your loan servicer.
Pell Grant Policies
Pell Grant Proration
The Pell Grant is paid in prorated payments, meaning if you are not full time you will generally receive less than the maximum amount. There are no exceptions for prorating Pell Grants.
Pell Grants will be paid on actual enrollment, regardless of whether a degree program recommends students to limit their course loads to certain classes.
The chart below applies to ALL semesters, including Summer. Pell proration is based on a student’s enrollment status as follows:
Credit Hours Enrolled per Semester
Percent of Eligibility you should receive
12 or more credit hours a semester
100 percent of Pell Grant eligibility
9 to 11 credit hours a semester
75 percent of Pell Grant eligibility
6 to 8 credit hours a semester
50 percent of Pell Grant eligibility
Less than half-time
5 or less credit hours a semester
25 percent or less of Pell Grant eligibility
In many cases a student may receive a Pell Grant even while enrolled less than half-time, however there are some instances when a Pell Grant cannot be paid out unless the student is enrolled in a minimum number of credit hours. This usually only occurs when a student qualifies for a small amount of Pell Grant.
Note: The maximum award amount will be packaged for any Pell Grant eligible student whose parent or guardian died as a result of military service in Iraq or Afghanistan after Sept. 11, 2001. You must have been either under 24 years old or enrolled at least part-time in college at the time of your parent's or guardian's death.
If a student is enrolled in 16 week courses, and adds a class after the add/drop period ends, the Financial Aid Office will not be able to adjust Pell Grant eligibility.
At the end of the 16 week add/drop period, TCC will have a census date and “freeze” hours for Pell Grant purposes.
What this means is that on our census date, we will look at the enrollment status of each student and pay Pell Grant based the student’s enrollment status at that time (see the Pell Proration Chart above). This “locks in” a student’s maximum Pell payment for that semester.
Students are highly encouraged to finalize their schedule prior to the start of each semester. Failure to do this may result in reduced Pell grant eligibility for that semester.
Students who are ONLY enrolled in fast track courses scheduled to begin after the 16 week add/drop ends (no 16 week courses) should finalize their schedule prior to the start of their first course in the semester.
Add/drop dates can be seen in the Academic Calendar for each Academic Year.
Lifetime Pell Limits
Beginning July 2012, the federal government has reduced the lifetime eligibility for the federal PELL Grant to a maximum of 12 semesters.
Example: After you receive a Pell Grant for six years of full-time study (12 or more credit hours each semester), you will no longer be allowed to receive the PELL Grant. However if you attended any semesters on a less than full time basis (11 or fewer credit hours in a semester), your PELL Grant eligibility will be prorated.
Information on how much lifetime Pell eligibility you have left is available on the National Student Loan Database. You may also see an estimate in the comments section of the Student Aid Report you receive from the FAFSA.
Eligibility for other grants offered by TCC could be affected by reaching or exceeding the lifetime Pell limit.
High School Requirement for Federal Aid: Pell Grants and Federal Student Loans
Students who first enroll in a program of study on or after July 1, 2012, will not be eligible for federal financial aid if they do not have a high school diploma or a recognized equivalent (e.g., GED - General Education Diploma) or do not meet the State's home school requirements.
Each year the U.S. Department of Education designates financial aid recipients whose documentation must be verified. TCC verifies every file identified by the federal government as part of its own verification process. Financial aid recipients’ files are verified all year using a verification worksheet designed in part by U.S. Department of Education and the TCC Financial Aid Office.
A dependent student is required to provide their parents/partner’s IRS Transcript, W2’s and copies of all Tax Schedules. An independent student is required to provide their IRS Transcript; IRS Transcript of their W2’s and copies of all Tax Schedules of the student and student’s spouse, if the student is married.
TCC uses a secondary verification process specific to the campus. For example, the College verifies all students who answer yes to “Are you a ward of the court?” If a student is independent only because they answered yes to this question, then the College will require documentation to support this.
Eligibility Changes Resulting from Verification
If the verification process results in a change of a student’s financial aid eligibility, TCC repackages the student for financial aid based on their new eligibility status and notifies the student with an updated award letter via MyTCC.
Corrections are made in the Financial Aid System and are sent to the Central Processing System (CPS) through Banner. Students are notified that corrections have been processed by receiving a new Student Aid Report (SAR).
Return of Financial Aid (Title IV)
Return of Financial Aid (Title IV)
Return to Title IV
Federal financial aid (“Title IV funds”) is awarded to a student under the assumption that the student will attend school for the entire period for which the assistance is awarded. When a student withdraws, the student may no longer be eligible for the full amount of Title IV funds that the student was originally scheduled to receive.
If a recipient of Title IV grant or loan funds withdraws from TCC after beginning attendance, the amount of Title IV grant or loan assistance earned by the student must be determined. If the amount disbursed to the student is greater than the amount the student earned, unearned funds must be returned. If the student receives less Federal Student Aid than the amount earned, in rare cases, TCC offers a disbursement of the earned aid that was not received. This is called a post-withdrawal disbursement.
The withdrawal date established by TCC is the date used by the Financial Aid Office to determine the point in time that the student is considered to have withdrawn so the percentage of the payment period or period of enrollment completed by the student can be determined. The percentage of Title IV aid earned is equal to the percentage of the payment period or period of enrollment completed.
Process for Calculation of Amount of Title IV aid earned by student
The amount of Title IV aid earned by the student is determined by multiplying the percentage of Title IV aid earned by the total of Title IV program aid disbursed plus the Title IV aid that could have been disbursed to the student or on the student’s behalf.
If the day the student withdrew occurs when or before the student completed 60% of the payment period or period of enrollment, the percentage earned is equal to the percentage of the payment period or period of enrollment that was completed. If the day the student withdrew occurs after the student has completed more than 60% of the payment period or period of enrollment, the percentage earned is 100%. When a student fails to earn a passing grade in any of their classes, TCC must assume, for Title IV purposes that the student has unofficially withdrawn, unless TCC can document that the student completed the period.
If the student receives less Federal Student Aid than the amount earned, TCC offers a disbursement of the earned aid that was not received. This is called a post-withdrawal disbursement. Without obtaining a student’s permission, Title IV grant funds from a post-withdrawal disbursement are credited to a student’s account to pay for tuition and fees for the term for which the student is eligible for a post-Withdrawal disbursement or are disbursed directly to the student.
Title IV aid to be returned: Tulsa Community College and student
If the student receives more Federal Student Aid than the amount earned, TCC, the student, or both must return the unearned funds in a specified order as follows:
1. Unsubsidized Direct Stafford loans (other than PLUS loans).
2. Subsidized Direct Stafford loans.
3. Direct PLUS loans.
4. Federal Pell Grants for which a return of funds is required.
5. Federal Supplemental Educational Opportunity Grants (FSEOG) for which a return of funds is required.
When a Return of Title IV funds is due, TCC and the student may both have a responsibility for returning funds. Funds that are not the responsibility of TCC to return must be returned by the student. TCC exercises its option to collect from the student any funds TCC is obligated to return, and funds required for TCC to return will become a debt on the student’s account which the student will be responsible for paying. This charge is not reported to the Department of Education and simply remains as a debt on the student’s account with TCC.
Within 30 days of determining that a student who withdrew must repay all or part of a Title IV grant, TCC will notify the student that he or she must repay the overpayment. In its notification TCC will inform the student that the student owes an overpayment of Title IV funds, that the student’s eligibility for additional Title IV funds will end if the student fails to pay TCC by the 45th day following the date TCC sent notification to the student, and that if the student fails to pay TCC during the 45-day period, the student’s overpayment must be reported to the National Student Loan Data System (NSLDS) and referred to the Debt Resolution Services for collection.
Federal regulations for financial aid require that students who withdraw from all their classes before the 60% point of the semester must return part of their financial aid funds to the U.S. Department of Education because the money is unearned if a student is not enrolled in classes.
Withdrawing from classes can happen in two ways. TCC students can withdraw on their own, and instructors also have the choice of dropping a student who does not attend class. (Some instructors choose not to drop students even if they do not attend class.)
The Admissions Office publishes the withdrawal date for each semester as part of the school calendar. The Financial Aid Office will determine the amount of federal financial aid (Pell Grant, FSEOG, Federal Student Loans, and Parent Plus Loans) that a student earned as of the withdrawal date using federally approved methods to perform the calculations. The order in which Title IV program funds will be returned will follow the federal regulations as outlined in the Federal Student Aid Handbook.
Students will be notified by mail if they are required to repay any portion of the financial aid they received. Students are given 45 days to repay the amount to TCC. After 45 days, the student will owe either TCC for the institutional portion or the U.S. Department of Education directly.
Students who owe money to the U.S. Department of Education are ineligible to receive federal financial aid from any college or institution until they clear that debt.
Students will become eligible for federal financial aid only after they have repaid the full amount or made arrangements directly with the U.S. Department of Education. TCC does not make repayment agreements directly with students other than allowing students 45 days to repay the full amount owed.
Students who owe a repayment to the College will be allowed to pay the college directly. Any outstanding debt will block a student’s ability to enroll in courses and the College sends any unpaid debt to collections.
If a student receives an “F” in a course, the instructor will annotate the last date of attendance on the grade sheet and/or indicate that the “F” was an earned grade. If it is discovered that the “F” was due to withdrawal, then TCC will calculate the return of aid as necessary.
Requests for Special Consideration
In cases of extenuating circumstances affecting a student’s financial aid eligibility, students may visit with a Financial Aid Counselor at any four TCC locations to discuss their situation.
A student and/or parent should consider requesting review of the student’s eligibility if either experiences:
1. Loss of employment
2. Loss of income due to retirement
3. Loss of income due to divorce or legal separation
4. Loss of income due to death of a spouse or parent
5. Loss of untaxed income or benefits
6. One-time income (winnings from gambling will not be considered)
7. Loss or hardship due to disability or natural disaster.
8. Discharge from active military duty
Such circumstances could include (but not limited to) the above listed in a student and/or parent situation, also an override of the student's FAFSA dependency status. Special Circumstances requests are considered on a case-by-case basis.
Financial Aid eligibility may be affected if a student takes the same course multiple times; however, there are some circumstances where a student may repeat the same course without any negative impact on aid eligibility.
Repeat coursework that falls under the following conditions cannot be included in a student's enrollment status for Title IV Federal Aid eligibility, including the Federal Pell Grant and Federal Stafford Loans:
- Repeating a previously passed course more than twice. A course is considered passed if the student receives a grade of D or better.
- Repeating a previously passed course due to failing other coursework.
- Repeated enrollment that is not aid eligible will be excluded from the student's enrollment status for the term.
- Federal Title IV aid will be recalculated based on the student's adjusted enrollment status.
- This recalculation will be applied regardless of whether a student received aid for previous course enrollments.
- Some courses are repeatable per TCC policy but are still restricted for Federal Title IV aid by these regulations.
- Waitlisted courses do not count toward official enrollment status for financial aid purposes.
Example: A student is repeating a previously passed three credit hour course for the third time. The student is enrolled in a total of 12 credit hours for the term. Per federal regulations, the repeated course must be excluded from the student's Title IV enrollment status. Only 9 of the student's twelve hours can be used to calculate his or her Title IV aid eligibility. The student's Federal Pell Grant will be reduced to reflect three quarter time instead of full-time enrollment.
Unusual Enrollment History
Unusual Enrollment History
The U.S. Department of Education monitors students’ activity for Unusual Enrollment History that indicates a student has an unusual enrollment history based on the receipt of federal Pell Grant or loan funds from multiple schools. Usually, students have a legitimate reason for enrollment at multiple schools over a short period of time; however, sometimes this activity is indicative of program abuse.
If your FAFSA is flagged for an Unusual Enrollment History, we are required by the U.S. Department of Education to use the information from the National Student Loan Data System to identify the schools where you received Pell Grants or Direct Student Loans over the past four award years.
TCC Financial Aid staff must determine for each of the previously attended schools, whether academic credit was earned during the award year in which a student received Pell Grant or loan funds. Academic credit is considered to have been earned if the academic records show that the student completed any credit hours.
If it is determined that a student earned academic credit at each of the previously attended schools during the relevant award years, no further action is required.
If it is determined that a student did not earn academic credit (failed or withdrew), TCC Financial Aid Office must:
- Obtain documentation from the student explaining why he failed to earn academic credit and
- The student did not enroll only to receive credit balance
Justification must be documented and could include:
- Family emergency
- Change of residence
- Military obligations
- The student might explain that the first enrollment was at a school that presented unexpected academic challenges or
- The academic program did not meet the student’s needs, as determined by the student
The Financial Aid Appeals Committee will review and either approve or deny the student’s request for aid. If approved students must establish an academic plan by following the procedure for a Financial Aid Satisfactory Academic Progress Reinstatement and submit a comprehensive Student Education Plan before aid is provided. Students will only be provided aid for those credit hours reflected on the Comprehensive Student Education Plan. If a student’s Unusual Enrollment petition is denied, they may regain eligibility by completing a semester successfully on their own without financial aid. Success for this purpose is defined by completing all courses which enrolled in with a 2.0 GPA.
Citation: Gen-13-09 and GEN -15-05
Ability to Benefit
Ability to Benefit
Students who do not have a high school diploma or its equivalent will be ineligible for Federal Financial Aid (Title IV funds) and therefore will need to seek alternative (state and/or private) financing. This rule also applies to some state and institutional aid. Students who completed a home-schooling curriculum are considered to have received a high school diploma or its equivalent and remain eligible for Title IV.
Students who were approved for aid under the Ability to Benefit process prior to July 1, 2012 are eligible for federal and state financial aid. Students who completed six or more college level units as determined by the Assessment Office prior to July 1, 2012 are eligible for federal and state financial aid. You will need to provide proof of your enrollment if enrollment was not at Tulsa Community College before we can determine if you are indeed eligible to take the ATB.