How to Determine Your Cumulative Completion Rate
To determine your cumulative completion rate, you will need to know the total number of credits you have attempted to take at UMGC and the total number of credits you have successfully completed (including any transfer credits accepted by UMGC). Completed credits are courses in which you receive grades of A, B, C, D, S, and P. You can find this information in Transcripts in MyUMGC.
- Under View Unofficial Transcript, select the transcript type from the drop-down field.
- Click the Generate Transcript button.
- After a few moments, a link to your transcript will appear in the section below. Click the PDF icon to view your transcript.
- Scroll down to the very bottom to find Credits Attempted and Credits Earned.
- To calculate your completion rate, divide the total number of completed credits (courses in which you receive grades of A, B, C, D, S, and P) by the total number of credits attempted.
Examples of SAP Evaluations
An undergraduate student attempted a total of 18 credits (six 3-credit courses) in the terms prior to spring 2018. She earned two As, three Bs, and one F. She took the term off for spring 2018. Her SAP would be calculated at the end of the spring 2018 term to determine her eligibility to receive aid from the summer 2018 term onward.
- This student's GPA would be 2.83.
- Her completion rate would be 83 percent, because she completed 15 out of the 18 credits that she attempted.
- Her GPA and completion rate would both meet the SAP requirements.
- This student would be considered eligible to receive aid until her next SAP evaluation at the end of the spring 2019 term.
An undergraduate student was enrolled in both the fall 2017 and spring 2018 terms and attempted 6 credits (two 3-credit courses) in each term. In the fall, she earned a B and a C. In the spring, she withdrew from both courses after the add/drop period ended. Her SAP would be calculated at the end of the spring 2018 term to determine her eligibility to receive aid from the summer 2018 term onward.
- This student's GPA would be 2.5.
- Her completion rate would be 50 percent, because she only completed 6 out of the 12 credits that she attempted.
- Even though her GPA would meet the minimum requirement of 2.0, her cumulative completion rate would not meet the minimum requirement of 67 percent.
- She would not be eligible to receive aid for the summer term and onward.
- She would not be eligible to submit a SAP appeal because she would not be able to meet SAP requirements by the end of her next term of half-time enrollment. (For an appeal to be considered, students must be able to reach the minimum SAP requirements within 6 credits. Even if this student successfully completed her next 6 credits, her cumulative completion rate would still be below the 67% requirement: 12/18=66.6%)
- This student would need to use alternate payment methods to take courses until she either meets the SAP requirements outright or gets close enough to meet within one half-time term, at which point she would then be eligible to submit an appeal.
A graduate student was enrolled in both the fall 2017 and spring 2018 terms. In the fall, she attempted 9 credits and earned all Bs. In the spring, she attempted 12 credits, but withdrew from the courses after the add/drop period ended. Her SAP would be calculated at the end of the spring 2018 term to determine her eligibility to receive aid from the summer 2018 term onward.
- This student's GPA would be 3.0.
- Her completion rate would be 42 percent, because she only completed 9 out of the 21 credits that she attempted.
- Even though her GPA would meet the minimum requirement of 3.0, her cumulative completion rate would not meet the minimum requirement of 50 percent.
- She would not eligible to receive aid for the summer term and onward.
- She would be eligible to submit a SAP appeal, since she would be able to meet SAP requirements by the end of her next term of half-time enrollment. (If this student successfully completed her next 6 credits, her cumulative completion rate would be above the 50% requirement: 15/27=55%)
- If the student submits a SAP appeal and it is approved, she would be placed on probation status and eligible to receive aid for the summer 2018 term. Her SAP would be reevaluated again at the end of that probationary term. If she meets all SAP requirements at that point, she would regain normal SAP status starting with fall 2018. If not, she would again lose eligibility to receive aid.
Appealing Suspension of Your Financial Aid
Unexpected events can happen in life that may prevent you from successfully completing your coursework as planned. If you have experienced an event that affected your academic performance, and you have been placed on Aid Denied status, you may be eligible* to submit a Satisfactory Academic Progress appeal form. Your appeal will be reviewed to confirm that the extenuating circumstance happened during the term when you failed to meet the minimum SAP requirements.
* Please note: SAP appeals are only accepted from students who will be able to meet all cumulative SAP requirements within one probationary term of half-time enrollment, including being mathematically capable of completing their academic program within the maximum timeframe limit. Students who have reached that limit, or will do so before completing their program, are not eligible to appeal their aid suspension.
Circumstances That May be Eligible for Financial Aid SAP Appeal
Appeals will be considered for circumstances that fall into one of the following four categories:
- Personal injury, unexpected illness, physical disability, or victim of a crime
- Death or illness of an immediate family member
- Work-related difficulties or other extenuating circumstances
How to Submit a SAP Appeal
Each SAP appeal must include all of the following:
- 2019-20 Satisfactory Academic Progress Appeal Form, signed and dated
- Your typed, hand-signed personal statement detailing the extenuating circumstance that has affected your academic progress at UMGC
- Documentation that supports your claim of an extenuating circumstance (e.g., medical statement from doctor, court documents, police reports, etc.)
Incomplete appeals will NOT be accepted. The appeal form and all required documentation must be received by the deadline of the term for which you are seeking aid. If your appeal is received after the deadline, it will be reviewed for the following term.
SAP appeals should be submitted via our secure document submission page.
After your completed appeal is received, a decision will typically be rendered in 10 business days. You will be notified of the outcome by e-mail. All appeal decisions are final.
Please note: SAP appeals are separate from and unrelated to academic appeals seeking grade changes or refunds, which are not processed by the Financial Aid Office. To learn more about academic appeals, visit Refund Exceptions.