Federal and Institutional Need-based Satisfactory Academic Progress Policy

  • In compliance with federal financial aid regulations, the University of Miami requires satisfactory academic progress (SAP) towards a degree as an eligibility requirement for federal and university need-based financial assistance.  The SAP policy requires both a quantitative and a qualitative measure of a student's progress.  
  • This policy is applicable to all undergraduate, law, graduate and doctoral students receiving financial aid through federal aid sources, including the Federal Parent Loan for Undergraduate Students (PLUS).
  • At the end of each semester, the Office of Student Financial Assistance and Employment Services reviews the academic progress of all University of Miami financial aid recipients.
  • If it is determined that a student is not making satisfactory academic progress at the end of the semester, a notification is sent to the student. The student will be placed on financial aid warning for one semester. Aid will not be withdrawn for the subsequent (warning) term, but at the end of that term, the student’s academic record will be reviewed by Office of Student Financial Assistance and Employment and appropriate renewal or termination actions will be taken.  Notification will be sent to the student detailing information on the appeal process.
  • Federal academic progress policy is subject to change based on guidelines and changes made by the U.S. Department of Education.

Credit Completion and Cumulative Grade Point Average Requirement for all Federal Aid and UM Need-based Assistance

Undergraduate Students

A student must have earned at least 67% of the total credit hours attempted during his/her overall academic career. Graduate level credit hours cannot be combined to meet the 67% requirement; however, credit hours transferred into the University of Miami are used in the calculation.  The percentage of earned credit hours is calculated by dividing earned credit hours by all attempted credit hours.   Rounding does not apply (e.g.: student completes 21 of 31 attempted credit hours therefore percentage complete is 21/ 31= 67%).

  • Withdrawals, Incomplete, Audits, and Fs are attempted but not considered earned hours.
  • Reinstatement of aid eligibility can be obtained by earning additional University-approved credit hours, achieving the 67% completion requirement, or having an appeal approved by a committee as outlined later in this section.
  • The University reviews progress at the end of each semester. Aid eligibility will be restored upon determination that the progress requirements have been met.

All undergraduate students must meet and maintain the University of Miami credit hour and cumulative grade point average (CGPA) requirements to maintain satisfactory academic progress. The criteria listed below must be met to receive federal and institutional financial assistance administered by the Office of Student Financial Assistance and Employment.

Credit Hours Earned Minimum Cumulative G.P.A.
0 to 321.7
33 to 641.8
65 to 961.9
97 +2.0

This criteria does not apply for meeting requirements for University of Miami scholarships and State of Florida financial aid. State of Florida financial aid and University of Miami academic scholarships have their own CGPA requirements.

Maximum Period of Eligibility for All Financial Assistance Awards

  • Degree-seeking undergraduate  students receiving federal aid must complete their degrees within 150% of the normal time for completion as determined by the school or college catalog under which the student was admitted.  For example, if an academic program requires 120 credit hours, the student must complete the program within 180 total credit hours.  Credit hours used in this calculation include those accepted for transfer and those attempted at the University of Miami.
  • Pell Grant eligibility is limited to 12 full time semesters or the equivalent (e.g.; two half-time semesters equal one full time semester) www.studentaid.ed.gov/pell-limit.
  • Students receiving university need-based grants are limited to four years of eligibility (five years of eligibility for the five-year undergraduate degree programs).

Federal Financial Aid Semester Review - Graduate and Doctoral

  • A student must have earned at least 67% of the total credit hours attempted during his/her overall academic career. Undergraduate and graduate level credit hours cannot be combined to meet the 67% requirement; however, credit hours transferred into the University of Miami are used in the calculation. The percentage of earned credit hours is calculated by dividing earned credit hours by all attempted credit hours. Rounding does not apply.  (e.g.: Student completes 21 of 31 attempted credit hours, percentage complete is 21/ 31= 67%).  
  •  Withdrawals, Incompletes, Audits, and F's are attempted but not considered earned hours.
  •  Credit hours transferred into the University of Miami will be counted as credit hours attempted and credit hours earned.
  •  Reinstatement of aid eligibility can be obtained by earning additional University approved credit hours, achieving the 67% completion requirement, or having an appeal approved by a committee as outlined later in this section.
  • The University reviews progress at the end of each semester. Aid eligibility will be restored upon determination that the progress requirements have been met.

 Graduate students must be enrolled at least half-time in order to receive federal financial assistance. A minimum of 5 graduate credit hours constitutes at least half-time enrollment at the graduate level. The only exception to this credit hour requirement is enrollment in any of the 800-level research courses. Students enrolled in any of these courses are considered full-time and are eligible for federal loans.

Graduate and Doctoral Students

All University of Miami graduate and doctoral students must maintain a minimum 3.0 cumulative grade point average (CGPA). Graduate students who fail to meet the minimum credit hour or cumulative grade point average requirements have failed to meet the satisfactory academic progress standards established by the University. Those in violation of the satisfactory academic progress eligibility requirements will be notified in writing of their eligibility status and right to appeal.

Maximum Period of Eligibility for All Financial Assistance Awards

• Graduate students may receive federally-funded assistance for the time to complete their degree requirements in accordance with limits set by the Graduate School.  The limits are:  six (6) years for those studying for the various masters degrees and 8 years for those studying for doctoral degrees. Students pursuing dual masters degrees will receive aid for a maximum of six (6) years. Students in a combined masters degree/doctoral degree program are eligible for assistance for a maximum of eight (8) years.
• Time to completion starts when a student begins any program in the Graduate School, whether it is a masters or doctoral program. All work must be completed within six years of the time of admission to graduate work, for those studying for the various masters degrees; and within eight years for those studying for doctoral degrees. For those admitted directly into a Ph.D. program without a masters degree in field, work must be completed within eight years. Individual programs may be set to a shorter time period.
• Graduate students who plan to enroll in a graduate degree program should keep in mind their aggregate loan limits. For more information, go to the National Student Loan Data System (NSLDS) at http://www.nslds.ed.gov.  This site displays information on loan amounts, outstanding balances, loan statuses and disbursements.

Law School Students

Please visit the Law School Website for the Satisfactory Academic Progress Policy for Law Students: http://www.law.miami.edu/financial-aid/standards-of-academic-progress.php?op=3