SAP calculator
For federal student aid, your pace is the credits you completed ÷ the credits you attempted, and an undergraduate program must fit within at most 150% of its credits. Your school sets the pace and GPA minimums; enter them with your credits to see where you stand and what next term can hold.
Example: pace of completion
36 completed ÷ 45 attempted = 80.0%.
At or above your school’s 67% minimum.
Next term, 15 credits: pass them all and your pace is 85.0%. You could leave up to 10 credits of them uncompleted and stay at or above 67%; your school’s policy says whether a W, an F, an incomplete or a repeat counts as uncompleted.
Your 150% maximum timeframe is 180 credits attempted. You have attempted 45, so 135 credits are left, and you need 84 more credits to finish: at today’s pace that takes about 105 credits, within it.
GPA 2.40: at or above your school’s 2.00 minimum.
Your school’s aid office decides whether you keep federal aid; this compares your numbers with the minimums you entered.
The federal rule checked in 34 CFR 668.34 on . Your school’s policy and its aid office decide your status.
How pace and the maximum timeframe work
- Pace: the credits you successfully completed ÷ the credits you attempted, both counted from your first term. The federal rule also lets a school count instead the credits you should have completed by now; this page divides, as the rule’s first method does.
- Your school sets the minimum pace and the GPA you must reach at each evaluation, and checks them at least once a year. Its policy says how a W, an F, an incomplete, a repeat or a remedial course counts; credits accepted from another school count as both attempted and completed.
- Maximum timeframe: for an undergraduate program counted in credits, at most 150% of its published length, so a 120-credit degree allows up to 180 attempted credits. The two numbers fit together: completing two thirds (67%) of 180 attempted credits is the 120 the degree needs, so a pace below that can’t finish inside 150%. A school can set less. A graduate program’s timeframe is the school’s own.
- To catch up, the credits to pass in a row are the smallest x with (completed + x) ÷ (attempted + x) at or above the minimum.
A worked example
36 credits completed of 45 attempted is 36 ÷ 45 = 80.0%, above a 67% minimum. A 120-credit program allows 180 attempted credits; 84 are still needed, which at 80% takes about 84 ÷ 0.8 = 105 attempted credits, within the 135 left.
Next term, 15 credits: pass them all and the pace is 51 ÷ 60 = 85.0%. To stay at or above 67% you need at least 0.67 × 60 = 40.2 completed, so up to 10 of the 15 could go uncompleted.
If you fall below
Under the federal rule, a student who misses the GPA or the pace at an evaluation can no longer get federal aid, unless the school gives a warning term first or accepts an appeal. An appeal can rest on the death of a relative, an injury or illness, or other special circumstances, and says what has changed. Your school’s policy names its steps; its aid office decides.
Other calculators
Your GPA from courses and credits: the college GPA calculator, with a target-GPA planner for your next credits. What a GPA means and the lines schools set: the GPA guide.
Sources: US Code of Federal Regulations, 34 CFR 668.34, Satisfactory academic progress.