How do I maintain my Financial Aid

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Once you receive Financial Aid, there are conditions that must be met to maintain your eligibility for future semesters. If you drop classes or do not earn good grades, you risk losing your financial aid.


All students receiving financial assistance must attend classes regularly. Attendance is monitored.



Federal Regulations on Satisfactory Academic Performance and Progress

To remain eligible for financial aid, students must demonstrate satisfactory academic performance and progress. PCCC evaluates Satisfactory Academic Performance (SAP) and Progress at the end of the Spring semester.  There are 4 measures in the evaluation:



  • Progress: Satisfactory academic progress is defined as the ratio of credits completed compared to the number of credits attempted (see chart below).
  • Performance: Satisfactory academic performance is defined as maintaining a satisfactory cumulative Grade Point Average (GPA)(see chart below):
    Watch here for Complete updated SAP Information 



Associate Degree

Attempted Credits   Completion Rate Cum GPA
0-29.5 Credits      50%      1.6
30 and Above 67% 2.0



Attempted Credits Completion Rate Cum GPA
0-14.5 Credits      50%      1.6
15 and Above 67% 2.0


Maximum Timeframe – Federal regulations require  that programs be completed within 150% of the normal timeframe.  This means For example, if your program requires 60 credits to graduate, the maximum timeframe of your program is 60x150%= 90 attempted credits.
Remedial Credit Limit – The Federal Government recognizes that not everyone is ready for College level work so financial aid can cover up to 30 credits of remediation.

State of New Jersey Regulations
Academic progress regulations are the same as the federal regulations. Progress is monitored at the end of each spring semester.

Note: State funds are adjusted according to the College’s Refund Policy when the student completely withdraws from all courses, or drops below 12 credits.

EOF Program

Normally, EOF students must complete 12 credits within a semester. With written approval from the EOF campus director, students may, for academic reasons, complete no fewer than six credits within a semester. EOF students are required to complete all remedial courses within the first four semesters.

Upon formal request and approval by the Director of EOF, students attending PCCC are eligible to receive up to six semesters of EOF funding with additional awards up to a maximum of eight semesters.

If state financial aid is denied, students and institutions have the right to appeal. Contact the Financial Aid Office or the EOF Office for procedures.


All withdrawals are monitored by the Financial Aid Office. Students who withdraw from courses and reduce their course loads after registration will have their financial aid reduced accordingly.

Charges and credits are adjusted according to the College Refund Policy. Federal aid is adjusted according to the Return of Title IV regulations.

Return of Title IV Funds Policy

The Return of Title IV Funds policy applies to students who are awarded Title IV funds who withdraw from all classes before completing more than 60% of the term (in days).

(Click here for Complete Return of Title IV Funds Policy)

Drug Violations and Financial Aid Penalty
(Click here)

If a student has received a refund, this policy also applies. The amount of Title IV funds earned is determined according to the following:

The term “Title IV Funds” refers to the Federal Financial Aid programs authorized under the Higher Education Act of 1965 (as amended) and includes the following programs:

  • unsubsidized Federal Stafford Loans,
  • subsidized Federal Stafford Loans,
  • Federal Perkins Loans,
  • Federal PLUS Loans,
  • Federal Pell Grants,
  • and Federal SEOG.

A student’s withdrawal date is:

  • the date the student began the institution’s withdrawal process at the Registrar’s Office;
  • the student’s last date of attendance at a documented academically-related activity; or,
  • the midpoint of the semester for a student who leaves without notifying the institution.

Title IV aid is earned in a prorated manner on days attended up to greater than the 60% point in the semester. Title IV aid is viewed as 100% earned after that point in time. A copy of the worksheet used for this calculation can be requested from the Financial Aid Office.

Students withdrawing before the last day to add/drop for a given term will receive a 100% refund. Notices of possible refunds and adjusted bills will be sent to the student’s home address following withdrawal.

In accordance with federal regulations, when financial aid is involved, refunds are allocated in the following order:unsubsidized Federal Stafford Loans, subsidized Federal Stafford Loans, Federal Perkins Loans, Federal PLUS Loans, Federal Pell Grants, Federal SEOG, other Title IV assistance, other federal sources of aid.

Institutional responsibilities in regard to the return of Title IV Funds are:

  • Providing each student with the information given in this policy.
  • Identifying students who are affected by this policy and completing the Return of Title IV Funds calculation for those students.
  • Returning any Title IV Funds that are due the Title IV programs.

The student’s responsibilities in regard to the return of Title IV Funds include:
Returning to the Title IV programs any funds that were disbursed directly to the student and which the student was determined to be ineligible for via the Return of Title IV Funds calculation.

The fees, procedures, and policies listed above supersede those published previously and are subject to change at any time. Any notification of a withdrawal or cancellation should be in writing and addressed to the Registrar.