Financial Aid

The Office of Financial Aid      

Satisfactory Academic Progress (SAP) Policy

Effective date July 1, 2011

Federal legislation governing all federal financial aid programs requires that students receiving federal financial aid make satisfactory academic progress (SAP) toward a degree in order to maintain eligibility for this aid.  It is the policy of Calumet College of St. Joseph that all recipients of all financial aid programs, including state and institutionally funded programs, are subject to the same satisfactory academic progress standards as those for federal financial aid.

Satisfactory academic progress at CCSJ is monitored at the end of each fall, spring and summer semester.  All SAP standards are reviewed based on all classes in all semesters taken at CCSJ. Additionally, all accepted transfer credits from regionally accredited colleges and universities are included in the calculation of the Percentage of Credits Completed Standard. If a student changes majors or seeks to earn additional degrees, the calculations remain the same. However, if a student receives a Bachelor’s degree or Master’s degree, the calculations will start over the semester following degree completion. (Please note: SAP standards are the minimum criteria for maintaining financial aid eligibility. Certain forms of financial aid may carry other requirements for renewal.) 

SAP consists of three parts:

  • Qualitative standard based on GPA: All students are required to maintain a cumulative 2.0 GPA. Any student falling below that standard for any enrolled term will be placed on academic warning but will still qualify for financial aid. If a student continues below the standard in a subsequent term, that student will be placed on financial aid suspension and will not qualify for any form of financial aid.
  • Quantitative standard based on rate of completion: Rate of completion is evaluated after each enrolled term by dividing the cumulative credit hours earned by the cumulative credit hours attempted or enrolled. Students are required to maintain a rate of completion at 67% to meet SAP standards. Repeated courses, withdrawals, and incompletes do not count toward a student’s GPA but do count toward credit hours enrolled. Transfer hours accepted toward completion of a student’s program count as both credit hours enrolled and credit hours completed.
  • Maximum Time Frame Standard

Students are expected to complete all academic requirements for a degree within 150% of the published length of the educational program in which the student is enrolled.  Accepted transfer credit hours are included in the calculation of the Maximum Time Frame Standard. 
Below are examples of maximum time frame requirements:
Required Hours to Complete Degree                      Maximum Attempted Hours











SAP Evaluation

  • SAP is calculated at the end of each fall, spring and summer semester for qualitative and quantitative progress.
  • Students meeting the standards listed above when calculated will be in SAP good standing.
  • The first semester a student does not meet the standard, the student will be placed on SAP Warning. The student will still qualify for financial aid.
  • The second consecutive semester a student does not meet the standard, the student will be placed on SAP Suspension. The student will not qualify for financial aid. The student will have to submit an appeal to be considered for financial aid reinstatement.


  • Courses taken at CCSJ are counted as hours attempted regardless of grades assigned. This includes incomplete failures, or withdrawals.
  • Only courses earning passing grades for progressing toward degree completion will be counted as earned. ( Example: A, B, B+, B-, C, and P)
  • Courses graded with an F, FW, W, or I count as credit hours attempted but not earned. Additional courses with non-passing results are counted similarly.
  • All courses designated as repeated for grade improvement are counted as hours attempted and if passed as hours earned.
  • Audit and non-credit classes are ineligible for financial aid do not count in SAP calculations.

Additional Earned Credits and Remedial Courses

  • Credit hours earned by testing and other non-standard means are counted in the SAP calculation as both attempted and earned. This includes hours earned from Credit by Exam, CLEP, LEAP, AP courses, Dual Credit Courses, ACE credits and Military Experience Credits.
  • All credits attempted through consortium agreements with other institutions counts as both attempted and earned if passing grades are received.
  • Remedial courses count in both attempted and earned hours calculations even though credits may not apply toward completion requirements. Remedial courses also impact GPA calculations.

SAP Appeal Process

  • SAP Suspensions may be appealed if unusual or mitigating circumstances affected academic progress. Such circumstances may include a severe illness or injury to the student or an immediate family member, the death of a student’s relative, student activation into military service, or other circumstance deemed appropriate for consideration by the SAP Appeals Committee.
  • The student must submit a SAP Appeal Form to the Office of Financial Aid explaining in detail why they failed to meet the minimum academic standards and what unusual and/or mitigating circumstance caused the failure and how their situation has changed or improved.
  • The student will be notified by email of the decision made by the appeals committee.
  • All appeal approvals are accompanied with an academic plan that outlines conditions by which a student can regain SAP Good Standing status and it requires a student’s signature.
  • All decisions of the SAP Appeals Committee are final and a student is limited to 2 appeals only.
  • All students who raise their cumulative standards to equal or exceed the minimum requirements will be reinstated to SAP Good Standing.



Tuition and Fees


Cost Comparisons

College Cost Calculator

Financial Aid Resources

Apply for Financial Aid

Apply for a Loan

Federal Work Study

Financial Aid FAQ's

Financial Aid Forms

Financial Aid Resources

Important Dates

Glossary of Terms

Meet the Staff

Request an IRS Transcript

Return of Title IV Policy

Satisfactory Academic Progress

Types of Aid


View Award Letter


Financial Aid Home Page



Contact Information Office of Financial Aid

Monday, Thursday, Friday: 8:30 A.M. - 5:00 P.M.
Tuesday, Wednesday: 8:30 A.M. - 7:00 P.M.

Summer Hours (June and July):
Monday, Tuesday, Thursday, Friday: 8:30 A.M. - 5:00 P.M.
Wednesday: 8:30 A.M. - 7:00 P.M.

Room: 120
Telephone: (219) 473-4296 (Indiana)
                      (773) 721-0202, Ext. 296 (Illinois)
                      1-877-700-9100 (Toll Free)
FAX: (219) 473-4340