Satisfactory Academic Progress (SAP)

Financial aid is intended to assist you in making successful progress toward completing your degree. Federal regulations require schools to have a SAP policy to measure the academic progress for all students.

SAP Program Requirements

All UMKC students, except for those not seeking a degree, must pass the standards of the policy.

Requirements, based on which type of program


We understand that COVID-19 has created challenges for students. As a result, we have updated our SAP policy to include important information relating to COVID-19 and how grade changes may affect your SAP status.

Additionally, academic issues related to COVID-19 are an acceptable basis for an appeal. If you receive notification that you have failed SAP following the Spring 2020 term, you are encouraged to submit an appeal and to use the new check box for indicating issues related to COVID-19.

If you have questions regarding the effect of COVID-19 on your SAP, please reach out to your financial aid coordinator for assistance.

SAP Standards Monitoring

SAP is monitored at the end of each term in which you are enrolled. This includes the Fall, Spring and Summer terms. If you are enrolled in the Summer term, your SAP will be monitored prior to the start of the upcoming Fall term and your eligibility for aid can change based on your SAP status following the Summer term.

During the SAP review process, specific components are monitored to determine if you are meeting the established standards. Specific requirements will be based on your program.

In general, in order to maintain SAP at UMKC, you must meet each of these standards.

  • Grade Point Average (GPA) – Requires that you maintain a minimum GPA to be considered meeting SAP standards
  • Pace of Completion – Measures the pace at which you are progressing toward degree completion
  • Maximum Timeframe – Measures the total time it takes you to complete your degree program
  • Academic Standing – Requires meeting the academic standing requirements for your degree program

All degree-seeking students who are enrolled are monitored, regardless of financial aid status.
Generally, non-degree seeking students are not reviewed.

Financial aid warning

If you fail to meet SAP requirements for one term, you will be placed on financial aid warning, which allows you an additional term to regain eligibility by meeting the minimum standards.

You are only given a warning status after having first meeting the SAP requirements. In some cases, you may automatically fail the SAP requirements instead of receiving a warning status. If you automatically fail the SAP policy requirements, you become ineligible to receive aid.

These examples indicate instances when you would not be eligible for a warning period.

  • Earning 0 credits for a term — failing all courses or withdrawing from all credit hours in which you were enrolled
  • Being dismissed from your academic program
  • Exceeding the maximum attempted credit hours total for your program of study

Additionally, if you are placed on academic probation by your school or college, you are also considered to be on Financial Aid Warning and are expected to comply with the probation requirements of both the school or college and our office.

You will be informed that you are in a financial aid warning period via an email to your UMKC email account.

Financial aid suspension

Following your financial aid warning period, if you still fail to fulfill the minimum SAP requirements, or you fail a component that immediately results in a failed status, you immediately become ineligible for financial aid and are placed on financial aid suspension. You will receive notification of your failure to comply with the minimum SAP standards and relevant future aid may be canceled following the appeal period.

Students who have not met SAP standards or are on financial aid warning are not eligible for consortium agreements or for participation in study abroad programs.

Options for resolving financial aid suspension

Appeal process

If it is determined that you are failing SAP and are ineligible for aid but there are extenuating circumstances that should be considered such as family death, illness or hospitalization, you may submit an appeal.

Submit an appeal (PDF)

Appeal deadline

  • First Friday after the beginning date of the term for which financial aid consideration is requested.
  • Appeals received after this deadline will be accepted on a case-by-case basis. If you fail to submit an appeal within this deadline, your aid may be canceled.

Your appeal must include these items.

  • Documentation supporting the reason you failed to meet SAP or complete the probationary requirements, including a written statement from the student.
  • An academic plan approved by your academic advisor, which addresses these questions
    • How you will meet SAP in the future (improve GPA, complete all attempted courses)
    • How and when you will satisfy current incomplete grades, if applicable
    • How you will meet the requirements for graduation by your anticipated graduation date
  • Statement explaining what corrective measures you have taken to assure SAP in the future

Appeals are reviewed by your financial aid coordinator or the director of financial aid. You will be notified of the decision by email within two to four weeks of the start of the term.

Financial aid probation

If you submit an SAP appeal and it is approved, you will be placed on financial aid probation and be required to sign a probationary contract.

To be considered for financial aid for the specified term, you must submit a copy of the contract, thereby indicating that you have read and agreed to the terms of the contract. Once your signed contract is received, your financial aid will be reinstated. You will be expected to meet the terms of your contract for that term. Failure to meet the terms of the contract will result in financial aid suspension.

During the probation period, you will not be approved for any type of consortium agreement or study abroad and are ineligible for work-study.

Regain aid eligibility

To regain financial aid eligibility if you are ineligible to file an SAP appeal or your SAP appeal is denied, you must fufill these requirements without receiving financial aid from UMKC.

  • Earn the minimum term and cumulative GPAs
  • Attain the minimum completion rate for attempted credit hours

It is the student’s responsibility to notify us in writing once the student has met the requirements to regain financial aid eligibility.

Credit/No Credit (CR/NC) course grading 

Our SAP policy requires a 2.0 UMKC term and cumulative GPA to remain eligible for financial aid. Grades of CR/NC will not be included in the calculation of your GPA. Therefore, a CR/NC grade will not adversely affect the GPA requirement.

Grades of CR/NC count toward the pace of completion requirement. CR grades count as a completed course. NC grades will not count as a completed course. UMKC requires students to complete at least 2/3 (66.67%) of the courses they enroll in. Therefore, if you receive an NC for one or more of your courses, it may affect your SAP standing.

Grades of CR/NC will count towards the maximum timeframe component. Therefore, if you are nearing your maximum program limit and will need to retake a course due to a CR/NC grade, you may need to discuss your academic plan with your coordinator.

Attempted credits

Attempted credit hours are defined as the number of credits in which a student is enrolled as of the last day to drop with no record.

  • All credit hours also considered Earned/Completed
    • Successful completion is receiving earned credit as defined by UMKC grading policy. This includes grades of A, A-, B+, B, B-, C+, C, C-, D+, D, D-, CR, P or S
  • Non-passing grades
    • Dropped, failed and incomplete courses
    • Remedial and audit courses for which no credit is received
    • Any course for which a grade of F, NR, WF, W, I, AU or NC is received
  • Repeated courses in which you previously received a passing grade do not count toward credit hours earned but do count toward credit hours attempted and may negatively impact your pace of completion and maximum time frame SAP status
  • Dropped credits after the add/drop period
  • Withdrawal from a term on or after the first day of class that results in a W
  • Grades which are changed to a W through the Academic Standards appeal process
  • Transfer credits

Additional SAP Information

  • Non-degree seeking students are exempt
  • Students enrolling for their first term at UMKC are considered to be making SAP
  • Students who left UMKC while not making SAP and are readmitted to UMKC must file an SAP appeal
  • This policy is applicable with respect to eligibility for all types of federal, state and university financial aid administered by our office
  • Some forms of aid may require higher standards to maintain eligibility
  • Undergraduate students must be enrolled at half-time status for financial aid to disburse, excluding the Federal Pell Grant
  • Graduate students must be enrolled in at least half-time status for aid to disburse
  • Students on Study Abroad will be monitored for SAP once official transcripts from the visiting institution are received

UMKC Catalog Resources