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W4The student was selected for verification by the FPS or your school, and you chose to pay a first disbursement of
Pell without documentation (interim disbursement). This code must be updated once verification is complete,
or the COD System will reduce the Pell Grant to zero.
S4The FPS selected the student for verific... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20241217172423Z00'00'", "moddate": "D:20241217172423Z00'00'", "source": "data/raw/Applications_and_Verification_Guide.pdf", "total_pages": 76, "page": 64, "page_label": "65", "loader_type": "pdf", "load_timestamp": "2025-07-05T1... |
Chapter 5
Special Cases
There are unique situations where you will need to exercise your discretion as a financial aid administrator: when
modifying data used to calculate the Student Aid Index (SAI), adjusting a student9s cost of attendance (COA), performing
dependency overrides, resolving conflicting information, rep... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20241217172423Z00'00'", "moddate": "D:20241217172423Z00'00'", "source": "data/raw/Applications_and_Verification_Guide.pdf", "total_pages": 76, "page": 65, "page_label": "66", "loader_type": "pdf", "load_timestamp": "2025-07-05T1... |
limited to) posting what may be considered a special circumstance on your website, including such information in
communications to students, or adding language on award notifications.
The reason for your decision to approve or deny a request for professional judgment and any subsequent adjustments
must be documented. T... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20241217172423Z00'00'", "moddate": "D:20241217172423Z00'00'", "source": "data/raw/Applications_and_Verification_Guide.pdf", "total_pages": 76, "page": 66, "page_label": "67", "loader_type": "pdf", "load_timestamp": "2025-07-05T1... |
however, complete verification and then make the PJ adjustment on the same transaction.
You do not have to verify information that you will entirely remove due to PJ. For example, if a dependent student9s
parents have separated after completion of the FAFSA form and one parent is no longer in the family size, you may d... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20241217172423Z00'00'", "moddate": "D:20241217172423Z00'00'", "source": "data/raw/Applications_and_Verification_Guide.pdf", "total_pages": 76, "page": 67, "page_label": "68", "loader_type": "pdf", "load_timestamp": "2025-07-05T1... |
professional judgment by schools during the award years applicable to the qualifying emergency.
The Foreign Earned Income Exclusion, Maximum Pell Grant, and PJ
The amount a taxpayer claims as the foreign earned income exclusion counts as untaxed income on the FAFSA form.
Because this appears in untaxed income rather th... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20241217172423Z00'00'", "moddate": "D:20241217172423Z00'00'", "source": "data/raw/Applications_and_Verification_Guide.pdf", "total_pages": 76, "page": 68, "page_label": "69", "loader_type": "pdf", "load_timestamp": "2025-07-05T1... |
unusual circumstances by publicly posting the option on their website.
An FAA may conduct dependency overrides on a case-by-case basis for students with unusual circumstances. An aid
administrator may override only from dependent to independent. If the FAA determines that an override is appropriate,
they must maintain ... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20241217172423Z00'00'", "moddate": "D:20241217172423Z00'00'", "source": "data/raw/Applications_and_Verification_Guide.pdf", "total_pages": 76, "page": 69, "page_label": "70", "loader_type": "pdf", "load_timestamp": "2025-07-05T1... |
guardians are incarcerated;
a documented phone call or written statement, which confirms the unusual circumstances with:
a state, county or tribal welfare agency;
an independent living case worker who supports current and former foster youth with the transition to
adulthood; or
a public or private agency, facility, or ... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20241217172423Z00'00'", "moddate": "D:20241217172423Z00'00'", "source": "data/raw/Applications_and_Verification_Guide.pdf", "total_pages": 76, "page": 70, "page_label": "71", "loader_type": "pdf", "load_timestamp": "2025-07-05T1... |
Provisionally Independent Status
Students can indicate on the FAFSA form that they believe they have unusual circumstances that prevent them from
providing parental data. Messaging on the FAFSA form thoroughly informs the student about what warrants a dependency
override and what the results will be for their applicati... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20241217172423Z00'00'", "moddate": "D:20241217172423Z00'00'", "source": "data/raw/Applications_and_Verification_Guide.pdf", "total_pages": 76, "page": 71, "page_label": "72", "loader_type": "pdf", "load_timestamp": "2025-07-05T1... |
The documentation for an FAA9s evaluation of the living arrangements of a student must demonstrate that they meet the
definition of this category of independent student. The determination may be based upon a written statement from, or a
documented interview with, the student that confirms that they are an unaccompanied... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20241217172423Z00'00'", "moddate": "D:20241217172423Z00'00'", "source": "data/raw/Applications_and_Verification_Guide.pdf", "total_pages": 76, "page": 72, "page_label": "73", "loader_type": "pdf", "load_timestamp": "2025-07-05T1... |
have changed or you have conflicting information. You should also consider documentation from an FAA at another
institution that made a documented determination that a student was an unaccompanied homeless youth in the same or
prior award year to be adequate documentation to make such a determination at your institutio... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20241217172423Z00'00'", "moddate": "D:20241217172423Z00'00'", "source": "data/raw/Applications_and_Verification_Guide.pdf", "total_pages": 76, "page": 73, "page_label": "74", "loader_type": "pdf", "load_timestamp": "2025-07-05T1... |
reconcile the conflicting information and take appropriate action under the specific program requirements (depending on
the outcome, funds may have to be returned).
Subsequent ISIRs
You are generally required to review all subsequent transactions for a student for the entire processing year even if you
verified an earl... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20241217172423Z00'00'", "moddate": "D:20241217172423Z00'00'", "source": "data/raw/Applications_and_Verification_Guide.pdf", "total_pages": 76, "page": 74, "page_label": "75", "loader_type": "pdf", "load_timestamp": "2025-07-05T1... |
If you suspect that a student, employee, or other individual has misreported information or altered documentation to
fraudulently obtain federal funds, you must report your suspicions and provide any evidence to the Office of Inspector
General (OIG). See also Volume 2 of the FSA Handbook.
OIG Contact Information
Addres... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20241217172423Z00'00'", "moddate": "D:20241217172423Z00'00'", "source": "data/raw/Applications_and_Verification_Guide.pdf", "total_pages": 76, "page": 75, "page_label": "76", "loader_type": "pdf", "load_timestamp": "2025-07-05T1... |
Volume 3
Academic Calendars, Cost of Attendance, and
Packaging
Introduction
This volume of the Federal Student Aid (FSA) Handbook discusses the academic calendar, payment period, and
disbursement requirements for awarding aid under the Title IV student financial aid programs, determining a student9s
cost of attendance,... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20250418120630Z00'00'", "moddate": "D:20250418120630Z00'00'", "source": "data/raw/Academic_Calenders_Cost_of_Attendance_and_Packaging.pdf", "total_pages": 57, "page": 0, "page_label": "1", "loader_type": "pdf", "load_timestamp":... |
Chapter 1
Academic Years, Academic Calendars, Payment Periods, and
Disbursements
Academic Year Requirements
Every eligible program must have a defined academic year. A school may have different academic years for different
academic programs. For example, a school may choose to define the academic year for a term-based ... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20250418120630Z00'00'", "moddate": "D:20250418120630Z00'00'", "source": "data/raw/Academic_Calenders_Cost_of_Attendance_and_Packaging.pdf", "total_pages": 57, "page": 1, "page_label": "2", "loader_type": "pdf", "load_timestamp":... |
for a term or payment period, at least one scheduled day of study for examinations occurs;
or
In a program offered using asynchronous coursework through distance education or correspondence courses, the
school makes available the instructional materials, other resources, and instructor support necessary for academic
en... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20250418120630Z00'00'", "moddate": "D:20250418120630Z00'00'", "source": "data/raw/Academic_Calenders_Cost_of_Attendance_and_Packaging.pdf", "total_pages": 57, "page": 2, "page_label": "3", "loader_type": "pdf", "load_timestamp":... |
Credit or Clock Hours in an Academic Year
For undergraduate educational programs, the law and regulations set the following minimum standards for coursework
earned by a full-time student in an academic year:
For a program measured in credit hours, 24 semester or trimester credit hours or 36 quarter credit hours; or
For... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20250418120630Z00'00'", "moddate": "D:20250418120630Z00'00'", "source": "data/raw/Academic_Calenders_Cost_of_Attendance_and_Packaging.pdf", "total_pages": 57, "page": 3, "page_label": "4", "loader_type": "pdf", "load_timestamp":... |
non-term (includes clock-hour calendars), or
subscription-based.
In a standard term or nonstandard term academic calendar, a term is generally a period in which all classes are
scheduled to begin and end within a set time frame, and academic progress is measured in credit hours.
In a non-term academic calendar, classes... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20250418120630Z00'00'", "moddate": "D:20250418120630Z00'00'", "source": "data/raw/Academic_Calenders_Cost_of_Attendance_and_Packaging.pdf", "total_pages": 57, "page": 4, "page_label": "5", "loader_type": "pdf", "load_timestamp":... |
BBAY calendar, an academic year could consist of any two consecutive terms such as spring-summer or summer-fall.
Academic progress is measured in semester or trimester credit hours, and full time is at least 12 semester or trimester
credits.
Quarters contain between nine and 13 weeks of instructional time. As with prog... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20250418120630Z00'00'", "moddate": "D:20250418120630Z00'00'", "source": "data/raw/Academic_Calenders_Cost_of_Attendance_and_Packaging.pdf", "total_pages": 57, "page": 5, "page_label": "6", "loader_type": "pdf", "load_timestamp":... |
extended beyond the normal term beginning or ending dates by not more than two weeks could still be considered a
standard term.
Note that the requirements described above do not apply to standard terms in a subscription-based academic calendar.
As explained earlier, classes in a subscription-based program are not requi... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20250418120630Z00'00'", "moddate": "D:20250418120630Z00'00'", "source": "data/raw/Academic_Calenders_Cost_of_Attendance_and_Packaging.pdf", "total_pages": 57, "page": 6, "page_label": "7", "loader_type": "pdf", "load_timestamp":... |
with a preceding or following standard term and treated as a single standard term. These short nonstandard terms are
often called <intersessions.= For example, a program might be offered in an academic calendar consisting of two 15-week
semesters, fall and spring, with a 4-week intersession between the two semesters. T... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20250418120630Z00'00'", "moddate": "D:20250418120630Z00'00'", "source": "data/raw/Academic_Calenders_Cost_of_Attendance_and_Packaging.pdf", "total_pages": 57, "page": 7, "page_label": "8", "loader_type": "pdf", "load_timestamp":... |
Inclusion of Clinical Work in a Standard Term
Periods of medical and education program clinical work which is conducted outside the classroom may not be included in
a standard term, unless all of the following apply:
All students in the program must participate in the practicum or clinical experience, and they must be ... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20250418120630Z00'00'", "moddate": "D:20250418120630Z00'00'", "source": "data/raw/Academic_Calenders_Cost_of_Attendance_and_Packaging.pdf", "total_pages": 57, "page": 8, "page_label": "9", "loader_type": "pdf", "load_timestamp":... |
later in this chapter. Another example is that a student9s satisfactory academic progress (SAP) evaluation must
correspond with the end of a payment period.
The definition of a payment period depends on the kind of academic calendar your school uses and the Title IV program
for which you are disbursing funds. For refer... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20250418120630Z00'00'", "moddate": "D:20250418120630Z00'00'", "source": "data/raw/Academic_Calenders_Cost_of_Attendance_and_Packaging.pdf", "total_pages": 57, "page": 9, "page_label": "10", "loader_type": "pdf", "load_timestamp"... |
Payment Periods for Clock-Hour and Non-Term Programs
For all clock-hour programs and for credit-hour programs that do not have academic terms, payment periods are defined
based on a student9s successful completion of clock or credit hours and weeks of instructional time, as described below.
As noted earlier, these same... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20250418120630Z00'00'", "moddate": "D:20250418120630Z00'00'", "source": "data/raw/Academic_Calenders_Cost_of_Attendance_and_Packaging.pdf", "total_pages": 57, "page": 10, "page_label": "11", "loader_type": "pdf", "load_timestamp... |
For any remaining portion of a program that is more than half of an academic year (as measured in both clock or
credit hours and weeks of instructional time), but less than a full academic year4
The first payment period is the period in which the student successfully completes half of the credit or clock
hours and half... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20250418120630Z00'00'", "moddate": "D:20250418120630Z00'00'", "source": "data/raw/Academic_Calenders_Cost_of_Attendance_and_Packaging.pdf", "total_pages": 57, "page": 11, "page_label": "12", "loader_type": "pdf", "load_timestamp... |
disbursement for 2nd
year
Volume 3, Chapter 1, Example 6: Payment Periods for Non-Term Programs One Academic Year or Less in Length
For both programs illustrated below, the school defines the academic year as 24 semester hours and 30 weeks of
instructional time. The first program is less than an academic year; the seco... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20250418120630Z00'00'", "moddate": "D:20250418120630Z00'00'", "source": "data/raw/Academic_Calenders_Cost_of_Attendance_and_Packaging.pdf", "total_pages": 57, "page": 12, "page_label": "13", "loader_type": "pdf", "load_timestamp... |
Payment Periods for Clock-Hour Programs With Terms
Although some schools offer clock-hour programs that are divided into terms for institutional purposes, for
Title IV
purposes all clock-hour programs are considered to be non-term programs. Therefore, the payment periods for clock-hour
programs that a school divides i... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20250418120630Z00'00'", "moddate": "D:20250418120630Z00'00'", "source": "data/raw/Academic_Calenders_Cost_of_Attendance_and_Packaging.pdf", "total_pages": 57, "page": 13, "page_label": "14", "loader_type": "pdf", "load_timestamp... |
The policy on excused absences of your school9s accrediting agency or, if you have more than one accrediting
agency, the policy of the agency that you designate to the Department as the agency whose accreditation will be
used in determining your school9s eligibility to participate in the Title IV programs (see the guid... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20250418120630Z00'00'", "moddate": "D:20250418120630Z00'00'", "source": "data/raw/Academic_Calenders_Cost_of_Attendance_and_Packaging.pdf", "total_pages": 57, "page": 14, "page_label": "15", "loader_type": "pdf", "load_timestamp... |
year/program less than an
academic year; and
half of the clock/credit hours in
the academic year/program less
than an academic year.
For the remainder of a program
equal to or less than half of an
academic year, the payment period
is the remainder of the program.
year/program less than an
academic year; and
half of the... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20250418120630Z00'00'", "moddate": "D:20250418120630Z00'00'", "source": "data/raw/Academic_Calenders_Cost_of_Attendance_and_Packaging.pdf", "total_pages": 57, "page": 15, "page_label": "16", "loader_type": "pdf", "load_timestamp... |
both the credit or clock hours and the weeks of instructional time in a payment period before receiving a disbursement of
Pell Grant, FSEOG, TEACH Grant or Direct Loan funds for the next payment period. For the Direct Loan Program only, this
same requirement applies to students who are enrolled in programs with nonstan... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20250418120630Z00'00'", "moddate": "D:20250418120630Z00'00'", "source": "data/raw/Academic_Calenders_Cost_of_Attendance_and_Packaging.pdf", "total_pages": 57, "page": 16, "page_label": "17", "loader_type": "pdf", "load_timestamp... |
information.
Schools that use payment periods as the basis for their Return of
Title IV Funds calculations should note that making
multiple disbursements within a payment period does not create a new or additional payment period. See Volume 5 of the
FSA Handbook for information on how withdrawal calculations handle mu... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20250418120630Z00'00'", "moddate": "D:20250418120630Z00'00'", "source": "data/raw/Academic_Calenders_Cost_of_Attendance_and_Packaging.pdf", "total_pages": 57, "page": 17, "page_label": "18", "loader_type": "pdf", "load_timestamp... |
Volume 3, Chapter 1, Appendix A, Example 2: Non-Term Credit-Hour Program Payment Periods 3 Additional Weeks
Completed in First Academic Year
A non-term, two-year program of 48 semester hours and 60 weeks of instructional time has an academic year of
24 semester hours and 30 weeks of instructional time. There are four s... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20250418120630Z00'00'", "moddate": "D:20250418120630Z00'00'", "source": "data/raw/Academic_Calenders_Cost_of_Attendance_and_Packaging.pdf", "total_pages": 57, "page": 18, "page_label": "19", "loader_type": "pdf", "load_timestamp... |
After the student has successfully completed 36 weeks of instruction and 24 semester hours, there are 24 weeks
and 24 hours remaining in the program. The second disbursements of the second Pell Grant award and the Direct
Loan for the second academic year of the program cannot be made until the student officially enters... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20250418120630Z00'00'", "moddate": "D:20250418120630Z00'00'", "source": "data/raw/Academic_Calenders_Cost_of_Attendance_and_Packaging.pdf", "total_pages": 57, "page": 19, "page_label": "20", "loader_type": "pdf", "load_timestamp... |
Volume 3, Chapter 1, Appendix B: Coursework Completion Requirements to Receive Disbursements in Subscription-Based
The scheduled payment periods are 12 semester hours and 15 weeks of instructional time. The second
disbursements of the first Pell Grant award and the Direct Loan for the first academic year of the program... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20250418120630Z00'00'", "moddate": "D:20250418120630Z00'00'", "source": "data/raw/Academic_Calenders_Cost_of_Attendance_and_Packaging.pdf", "total_pages": 57, "page": 20, "page_label": "21", "loader_type": "pdf", "load_timestamp... |
Programs
As we explained under <Disbursement timing in subscription-based programs= earlier in this chapter, there is no
requirement for a student to have completed a specified amount of coursework before receiving a disbursement of
Title IV
funds for the first two subscription periods (terms) in a subscription-based ... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20250418120630Z00'00'", "moddate": "D:20250418120630Z00'00'", "source": "data/raw/Academic_Calenders_Cost_of_Attendance_and_Packaging.pdf", "total_pages": 57, "page": 21, "page_label": "22", "loader_type": "pdf", "load_timestamp... |
First Academic Year
Subscription period 1: Fall Subscription period 2: S pring
Credit hours associated with term: 12
Cumulative hours required to receive disbursement: 0
Credit hours associated with term: 12
Cumulative hours required to receive disbursement: 0
As shown above, there is no coursework completion requireme... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20250418120630Z00'00'", "moddate": "D:20250418120630Z00'00'", "source": "data/raw/Academic_Calenders_Cost_of_Attendance_and_Packaging.pdf", "total_pages": 57, "page": 22, "page_label": "23", "loader_type": "pdf", "load_timestamp... |
First Academic Year 3 full-time program
Subscription period 1: Fall Subscription period 2: S pring
Credit hours associated with term: 12
Cumulative hours required to receive disbursement: 0
Credit hours associated with term: 12
Cumulative hours required to receive disbursement: 0
As in Example 1, there is no coursework... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20250418120630Z00'00'", "moddate": "D:20250418120630Z00'00'", "source": "data/raw/Academic_Calenders_Cost_of_Attendance_and_Packaging.pdf", "total_pages": 57, "page": 23, "page_label": "24", "loader_type": "pdf", "load_timestamp... |
version of the program in subscription period 3, this is 6 fewer hours than the number of hours required to receive a
disbursement for subscription period 5 in Example 1.) The student must have completed a cumulative total of 36 hours to
receive a disbursement for subscription period 6.
If the student has not completed... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20250418120630Z00'00'", "moddate": "D:20250418120630Z00'00'", "source": "data/raw/Academic_Calenders_Cost_of_Attendance_and_Packaging.pdf", "total_pages": 57, "page": 24, "page_label": "25", "loader_type": "pdf", "load_timestamp... |
For the first two subscription periods of the program, there is no coursework completion requirement for the student to
receive a disbursement of Title IV funds. Disbursements are made at the beginning of each subscription period.
To receive a disbursement for the third subscription period and for each subsequent subsc... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20250418120630Z00'00'", "moddate": "D:20250418120630Z00'00'", "source": "data/raw/Academic_Calenders_Cost_of_Attendance_and_Packaging.pdf", "total_pages": 57, "page": 25, "page_label": "26", "loader_type": "pdf", "load_timestamp... |
At the end of subscription period #7, the student has earned a cumulative total of 69 credit hours. Because 72 hours are
required for the student to receive a disbursement in subscription period #8, the disbursements for that subscription
period must be delayed until the student has completed an additional three hours.... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20250418120630Z00'00'", "moddate": "D:20250418120630Z00'00'", "source": "data/raw/Academic_Calenders_Cost_of_Attendance_and_Packaging.pdf", "total_pages": 57, "page": 26, "page_label": "27", "loader_type": "pdf", "load_timestamp... |
In Example 4, the student meets the course completion requirements to receive disbursements at the beginning of each
subscription period.
For Direct Loan purposes, the school originates a single-term loan for subscription period #5 (i.e., the loan period
beginning and ending dates correspond to the beginning and ending... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20250418120630Z00'00'", "moddate": "D:20250418120630Z00'00'", "source": "data/raw/Academic_Calenders_Cost_of_Attendance_and_Packaging.pdf", "total_pages": 57, "page": 27, "page_label": "28", "loader_type": "pdf", "load_timestamp... |
Chapter 5 for information on Direct Loan annual loan limit proration).
Because the student is enrolled in the full-time version of the program, the number of credit hours associated with
subscription period #5 is 12. However, the student attends only six hours (the remaining number of hours in the program
for Title IV ... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20250418120630Z00'00'", "moddate": "D:20250418120630Z00'00'", "source": "data/raw/Academic_Calenders_Cost_of_Attendance_and_Packaging.pdf", "total_pages": 57, "page": 28, "page_label": "29", "loader_type": "pdf", "load_timestamp... |
In Example 5, the student meets the coursework completion requirements to receive disbursements at the beginning of
the first three subscription periods. However, at the end of subscription period #3 the student has completed a
cumulative total of 21 hours, and 24 hours are required to receive a disbursement for subscr... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20250418120630Z00'00'", "moddate": "D:20250418120630Z00'00'", "source": "data/raw/Academic_Calenders_Cost_of_Attendance_and_Packaging.pdf", "total_pages": 57, "page": 29, "page_label": "30", "loader_type": "pdf", "load_timestamp... |
Chapter 2
Cost of Attendance (Budget)
Awards for most of the Title IV programs are based on some form of financial need. Unlike scholarship programs that may
award funds based on academic merit or the student9s field of study, <need-based= grants, loans, and work-study are
based on the student9s demonstrated financial ... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20250418120630Z00'00'", "moddate": "D:20250418120630Z00'00'", "source": "data/raw/Academic_Calenders_Cost_of_Attendance_and_Packaging.pdf", "total_pages": 57, "page": 30, "page_label": "31", "loader_type": "pdf", "load_timestamp... |
This allowance is for the tuition and fees normally assessed for a student carrying the same academic workload. It
includes, for example, graduation fees, if incurred while the student is still enrolled and when required by the program
and paid by all students, and health insurance premiums that are charged to all stud... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20250418120630Z00'00'", "moddate": "D:20250418120630Z00'00'", "source": "data/raw/Academic_Calenders_Cost_of_Attendance_and_Packaging.pdf", "total_pages": 57, "page": 31, "page_label": "32", "loader_type": "pdf", "load_timestamp... |
Miscellaneous Personal Expenses (Only for Students Enrolled at Least Half Time)
This allowance may be included in the COA only for students who are enrolled on at least a half-time basis.
Miscellaneous personal expenses may include costs incurred by a student for a prior learning assessment (for example, an
exam or a p... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20250418120630Z00'00'", "moddate": "D:20250418120630Z00'00'", "source": "data/raw/Academic_Calenders_Cost_of_Attendance_and_Packaging.pdf", "total_pages": 57, "page": 32, "page_label": "33", "loader_type": "pdf", "load_timestamp... |
For these students, the COA may include (at the option of the school) a food and housing allowance for up to three
semesters or the equivalent, with no more than two semesters or the equivalent being consecutive at any one school. If a
school chooses to include a food and housing allowance in the COA for less-than-half... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20250418120630Z00'00'", "moddate": "D:20250418120630Z00'00'", "source": "data/raw/Academic_Calenders_Cost_of_Attendance_and_Packaging.pdf", "total_pages": 57, "page": 33, "page_label": "34", "loader_type": "pdf", "load_timestamp... |
to receive the loans (for example, the loan fee for a Direct Loan). Fees for non-federal student loans may not be included.
You may use either the actual loan fees charged to the student or an average of fees charged to borrowers of the same
type of loan at your school.
COA for Correspondence Students
For students enga... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20250418120630Z00'00'", "moddate": "D:20250418120630Z00'00'", "source": "data/raw/Academic_Calenders_Cost_of_Attendance_and_Packaging.pdf", "total_pages": 57, "page": 34, "page_label": "35", "loader_type": "pdf", "load_timestamp... |
This restriction applies to both clock-hour and credit-hour programs. For example, some clock-hour programs assess
<overtime charges= for students who don9t complete their programs within an established timeframe. Some credit-hour
programs charge additional tuition or fees for each course a student takes if the student... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20250418120630Z00'00'", "moddate": "D:20250418120630Z00'00'", "source": "data/raw/Academic_Calenders_Cost_of_Attendance_and_Packaging.pdf", "total_pages": 57, "page": 35, "page_label": "36", "loader_type": "pdf", "load_timestamp... |
(NCAA) have voted to expand their athletic scholarships to cover the full COA for athletes. Previously, only the
components listed under <Allowable Costs in General= in this chapter were included in COA. This change only applies to
the schools in the Power Five but it may be adopted by other schools participating in Di... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20250418120630Z00'00'", "moddate": "D:20250418120630Z00'00'", "source": "data/raw/Academic_Calenders_Cost_of_Attendance_and_Packaging.pdf", "total_pages": 57, "page": 36, "page_label": "37", "loader_type": "pdf", "load_timestamp... |
When a specific component of a student9s COA is waived or explicitly paid by another source, special treatment may be
necessary. In some situations, the student is assessed the normal tuition and fees charge with an offsetting credit issued.
In other situations, the student is never charged tuition and fees at all. Alt... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20250418120630Z00'00'", "moddate": "D:20250418120630Z00'00'", "source": "data/raw/Academic_Calenders_Cost_of_Attendance_and_Packaging.pdf", "total_pages": 57, "page": 37, "page_label": "38", "loader_type": "pdf", "load_timestamp... |
COA for a Distance Education Student
The law prohibits you from making a distinction based on the mode of instruction when determining the COA for a student
receiving all or part of their instruction through distance education. However, you have the authority to use professional
judgment to adjust the COA on a case-by-... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20250418120630Z00'00'", "moddate": "D:20250418120630Z00'00'", "source": "data/raw/Academic_Calenders_Cost_of_Attendance_and_Packaging.pdf", "total_pages": 57, "page": 38, "page_label": "39", "loader_type": "pdf", "load_timestamp... |
cost for this enrollment period (assuming the terms are substantially equal in length).
Important: When calculating COA for periods other than nine months, you must still use the calculated 9-month
SAI. There are no alternate SAIs comparable to the alternate Expected Family Contributions (EFCs) that were used
prior to ... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20250418120630Z00'00'", "moddate": "D:20250418120630Z00'00'", "source": "data/raw/Academic_Calenders_Cost_of_Attendance_and_Packaging.pdf", "total_pages": 57, "page": 39, "page_label": "40", "loader_type": "pdf", "load_timestamp... |
Chapter 3
Packaging Aid
In this chapter we explain how to package a student9s aid once you9ve received the student9s FAFSA form information,
including the student aid index (SAI), and have calculated the student9s aid eligibility. The general rule in packaging is
that the student9s need-based aid must not exceed the st... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20250418120630Z00'00'", "moddate": "D:20250418120630Z00'00'", "source": "data/raw/Academic_Calenders_Cost_of_Attendance_and_Packaging.pdf", "total_pages": 57, "page": 40, "page_label": "41", "loader_type": "pdf", "load_timestamp... |
Prior to the 2024-2025 award year, the HEA allowed schools to use alternate expected family contributions (EFCs) when
packaging aid for periods other than nine months. The FAFSA Simplification Act eliminated this provision. Beginning with
the 2024-2025 award year, when packaging aid for any period that is not nine mont... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20250418120630Z00'00'", "moddate": "D:20250418120630Z00'00'", "source": "data/raw/Academic_Calenders_Cost_of_Attendance_and_Packaging.pdf", "total_pages": 57, "page": 41, "page_label": "42", "loader_type": "pdf", "load_timestamp... |
Pell Grant Lifetime Eligibility Used
Before awarding a Pell Grant, you must check the COD common record or COD website to make sure students close to the
600% Pell Grant lifetime limit are not packaged in such a way as to exceed 600% of the LEU; to do so would be to
overaward the student. The Department will also provi... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20250418120630Z00'00'", "moddate": "D:20250418120630Z00'00'", "source": "data/raw/Academic_Calenders_Cost_of_Attendance_and_Packaging.pdf", "total_pages": 57, "page": 42, "page_label": "43", "loader_type": "pdf", "load_timestamp... |
$12,500 COA
- 2,500 SAI
- 5,500 Pell Grant*
- 400 Scholarship
$4,100 remaining need
*The $5,500 Pell Grant amount shown in this example is for illustrative purposes only and is not intended to
represent the actual Pell Grant amount that a student would be eligible to receive. See
Volume 7 for guidance on
the determina... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20250418120630Z00'00'", "moddate": "D:20250418120630Z00'00'", "source": "data/raw/Academic_Calenders_Cost_of_Attendance_and_Packaging.pdf", "total_pages": 57, "page": 43, "page_label": "44", "loader_type": "pdf", "load_timestamp... |
Campus-Based Aid
You should consider several things when developing a packaging policy. For instance, some schools give more grant
assistance to beginning students, who may have more difficulty adjusting to campus life, increasing the proportion of
loans and work-study in subsequent years. For the Campus-Based Programs... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20250418120630Z00'00'", "moddate": "D:20250418120630Z00'00'", "source": "data/raw/Academic_Calenders_Cost_of_Attendance_and_Packaging.pdf", "total_pages": 57, "page": 44, "page_label": "45", "loader_type": "pdf", "load_timestamp... |
Direct PLUS Loans are available to parents of dependent undergraduate students and to graduate and professional
students. Note that a Direct PLUS Loan does not count against a graduate/professional student9s Direct Unsubsidized
Loan annual or aggregate loan limits.
You may not limit Direct Loan borrowing by students or... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20250418120630Z00'00'", "moddate": "D:20250418120630Z00'00'", "source": "data/raw/Academic_Calenders_Cost_of_Attendance_and_Packaging.pdf", "total_pages": 57, "page": 45, "page_label": "46", "loader_type": "pdf", "load_timestamp... |
The Special Rule in Section 401(c) of the HEA allows certain students whose parents or guardians died while serving on
active duty in the U.S. Armed Forces or while serving as public safety officers to receive the maximum Pell Grant award,
regardless of their calculated SAI. However, all other Title IV aid for these st... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20250418120630Z00'00'", "moddate": "D:20250418120630Z00'00'", "source": "data/raw/Academic_Calenders_Cost_of_Attendance_and_Packaging.pdf", "total_pages": 57, "page": 46, "page_label": "47", "loader_type": "pdf", "load_timestamp... |
A first-year dependent student has a COA of $10,800 and an SAI of 8,000, so the student9s financial need is
$2,800:
$10,800 COA - 8,000 SAI = $2,800 financial need
The student is not eligible for a Pell Grant, and the school does not participate in the Campus-Based Programs.
The combined Direct Subsidized Loan and Dire... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20250418120630Z00'00'", "moddate": "D:20250418120630Z00'00'", "source": "data/raw/Academic_Calenders_Cost_of_Attendance_and_Packaging.pdf", "total_pages": 57, "page": 47, "page_label": "48", "loader_type": "pdf", "load_timestamp... |
Other Financial Assistance (OFA)
In contrast to Pell Grants, you must take other aid into account when awarding TEACH Grants, Campus-Based aid, or
Direct Loans. As noted earlier, the other aid that must be considered is called <other financial assistance= (OFA). OFA is
generally used in the same way for the Direct Loan... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20250418120630Z00'00'", "moddate": "D:20250418120630Z00'00'", "source": "data/raw/Academic_Calenders_Cost_of_Attendance_and_Packaging.pdf", "total_pages": 57, "page": 48, "page_label": "49", "loader_type": "pdf", "load_timestamp... |
Prepaid Tuition Plans
Prepaid tuition plans are not considered OFA. Instead, they are treated the same as Coverdell education and 529 savings
accounts. For more detail see the discussion of qualified education benefits or education savings accounts under the
heading <Student Assets (22)= in the
Application and Verific... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20250418120630Z00'00'", "moddate": "D:20250418120630Z00'00'", "source": "data/raw/Academic_Calenders_Cost_of_Attendance_and_Packaging.pdf", "total_pages": 57, "page": 49, "page_label": "50", "loader_type": "pdf", "load_timestamp... |
Exclusion of Federal Veterans Education Benefits From OFA
Chapter 103 of Title 10, United States Code (Senior Reserve Officers9 Training Corps)
Chapter 106A of Title 10, United States Code (Educational Assistance for Persons Enlisting for Active Duty)
Chapter 1606 of Title 10, United States Code (Selected Reserve Educa... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20250418120630Z00'00'", "moddate": "D:20250418120630Z00'00'", "source": "data/raw/Academic_Calenders_Cost_of_Attendance_and_Packaging.pdf", "total_pages": 57, "page": 50, "page_label": "51", "loader_type": "pdf", "load_timestamp... |
Recalculation
Any time a student begins attendance in at least one course but does not begin attendance in all the courses they were
scheduled to attend and on which eligibility for
Title IV Aid was based, the school must recalculate the student9s eligibility
for Pell Grants and TEACH Grants, based on the revised enro... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20250418120630Z00'00'", "moddate": "D:20250418120630Z00'00'", "source": "data/raw/Academic_Calenders_Cost_of_Attendance_and_Packaging.pdf", "total_pages": 57, "page": 51, "page_label": "52", "loader_type": "pdf", "load_timestamp... |
recalculating Pell Grants and TEACH Grants when a student9s enrollment intensity or status changes within a term or
period of enrollment, the policy must be applied consistently to all students. Therefore, if your school chooses to
recalculate Pell Grants and TEACH Grants for a student whose enrollment intensity or enr... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20250418120630Z00'00'", "moddate": "D:20250418120630Z00'00'", "source": "data/raw/Academic_Calenders_Cost_of_Attendance_and_Packaging.pdf", "total_pages": 57, "page": 52, "page_label": "53", "loader_type": "pdf", "load_timestamp... |
FAFSA Submission Summary.
Pell Crossover Issues
For Pell Grant purposes, you may assign crossover payment periods to the award year that best meets the needs of your
students and maximizes a student9s eligibility over the two award years in which the crossover payment period occurs.
You may assign the Pell Grant award ... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20250418120630Z00'00'", "moddate": "D:20250418120630Z00'00'", "source": "data/raw/Academic_Calenders_Cost_of_Attendance_and_Packaging.pdf", "total_pages": 57, "page": 53, "page_label": "54", "loader_type": "pdf", "load_timestamp... |
OFA. You can ask the student to identify the specific program under which they are receiving their veterans education
benefits. Veterans education benefits are also not to be counted as income, and therefore are not reported as income on
the FAFSA form. For a list of federal veterans education benefits that are to be e... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20250418120630Z00'00'", "moddate": "D:20250418120630Z00'00'", "source": "data/raw/Academic_Calenders_Cost_of_Attendance_and_Packaging.pdf", "total_pages": 57, "page": 54, "page_label": "55", "loader_type": "pdf", "load_timestamp... |
without including anticipated vocational rehabilitation assistance as OFA. In this way, a student with disabilities will be
offered the same aid package as a student who is in the same financial situation but who doesn9t have disabilities; the
student with disabilities will also receive the maximum amount of vocational... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20250418120630Z00'00'", "moddate": "D:20250418120630Z00'00'", "source": "data/raw/Academic_Calenders_Cost_of_Attendance_and_Packaging.pdf", "total_pages": 57, "page": 55, "page_label": "56", "loader_type": "pdf", "load_timestamp... |
Treatment of Overawards
If, at any time during the award period, a student receives additional OFA that was not considered in calculating the
student9s eligibility for Campus-Based aid, and if the OFA combined with the expected financial aid will exceed the
student9s need, the amount in excess of the student9s need is ... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20250418120630Z00'00'", "moddate": "D:20250418120630Z00'00'", "source": "data/raw/Academic_Calenders_Cost_of_Attendance_and_Packaging.pdf", "total_pages": 57, "page": 56, "page_label": "57", "loader_type": "pdf", "load_timestamp... |
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