Satisfactory Academic Progress for Alternative Loan

To be eligible for private and/or alternative loans, you must meet Satisfactory Academic Progress (SAP) standards for Alternative loans. The Office of Student Financial Aid & Scholarships has established guidelines for evaluating your progress, taking into consideration your GPA from the last two semesters of enrollment at the University of Nevada and the number of credits you have attempted and completed during the last two semesters of enrollment at the University of Nevada. The SAP standards for Alternative Loans are separate from academic standards for federal aid, state aid, and any scholarships.

Pace Requirement

Pace is based on University of Nevada, Reno enrollment only and does not include enrollment transferred from other institutions. A student must earn (complete with a passing grade) 50% of all attempted (enrolled) credits during the last 2 semesters of enrollment at the University in order to meet the pace requirement. Pace is calculated as: (number of credits earned during last 2 semesters ÷ number of credits attempted during last 2 semesters) × 100.

Courses that are assigned a grade of "A" through "D", "X" and "S" are included as both credits earned and credits attempted. Course assigned grades of "I", "W", "F", "AD", "NR", "R", and "U" are not included as credits earned, but are included as credits attempted.

For example: A University of Nevada student has attempted 24 credits during the last 2 semesters of enrollment. Out of those credits, this student has passed 20 credits. (20 ÷ 24) × 100 = 83.3%, so this student is meeting the minimum Satisfactory Academic Progress standard for Alternative Loans. But say this student has only passed 9 credits. In that case, this student would not be meeting the standard, because (9 ÷ 24) × 100 = 37.5%, which is less than the required 50%.

Minimum University Grade Point Average (GPA) to be Maintained

The GPA is based on grades earned at the University of Nevada and does not include grades transferred from another institution. All students are required to maintain a two semester 1.0 or better University of Nevada GPA.

If you would like to calculate your GPA for the last two semesters, you may utilize the GPA Calculator. To get an accurate calculation of your two semester’s GPA, enter your 2nd to last semester’s information in the “Previous Course Work” area and enter your most recent semester’s information in the Class listing.

Be aware that a grade of "S”, "U", or “W” will have no effect on GPA.

For example: A University of Nevada student has attempted 24 credits. Out of those credits, this student has completed 20 credits. This student has completed 83.3% of coursework attempted ((20 ÷ 24) × 100 = 83.3%), but has a 0.98 GPA. This student is not meeting the minimum Satisfactory Academic Progress standards for Alternative Loans because s/he has not maintained a 1.0 GPA.

Are There Any Second Chances?

If your University of Nevada GPA has fallen below the required level for Alternative Loans, you have two options. You may 1) continue attending without the benefit of Alternative Loans until such time as the GPA and/or pace issues are resolved and you meet the standards for alternative loan eligibility or 2) submit a Satisfactory Academic Progress Appeal. If you are appealing for alternative loan funding only, please indicate so on the Satisfactory Academic Progress Appeal.

Financial Aid SAP Appeal Process for Alternative Loans

If you have a GPA issue, pace deficiency or have reached your maximum time frame, you may submit the appropriate SAP Appeal Form with documentation.

  • For pace and/or GPA issues, you will need to complete and submit the SAP Appeal form, with the required supporting documents, by the appropriate deadline. Your written narrative must be typed, signed and complete. You must include the reason you failed to make Satisfactory Academic Progress, as well as the steps you are taking to ensure that you will make Satisfactory Academic Progress in the future. This is an opportunity for you to include any letters of support from professors, physicians, or other professionals familiar with your case.
  • Depending on the volume of appeals submitted, you can anticipate a decision from the Financial Aid Appeals Committee within 1 - 3 weeks. If your appeal is approved you will receive a notification and shortly thereafter will be able to view your financial aid awards on MyNEVADA.
  • If your appeal is in a "pending" status due to your need to provide additional information or documentation, you have 60 days to provide that information to the Financial Aid Office. After 60 days your appeal will be canceled; if after that date you can provide the requested information you may re-submit your appeal.
  • If your appeal is approved you will be considered on "Probation" for one semester or, if you are placed on an academic plan, until that plan expires.
  • If your appeal is denied, the letter will include the criteria you must meet in order to receive financial aid in the future, as well as other possible funding sources.
  • After that time, if you feel there are circumstances that are not reflected in your supporting documentation you may amend your appeal. If your amended appeal is denied, you may request an in-person appeal before the SAP Appeals Committee. Please contact the Financial Aid Office at (775) 784-4666 to schedule an in-person appeal. You are not eligible for an in-person appeal until you have submitted a paper appeal.
  • The SAP Appeals Committee decisions are final and are not subject to further review.

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