In order to be eligible for Financial Aid at Atlantic Cape Community College you must:

1. have a high school diploma or GED. Students who first enrolled prior to July 1, 2012
    and passed an approved test (Accuplacer) may qualify.


    Foreign Diploma or Transcripts must be evaluated. Click the link below for
    International Education Credential Evaluation Organizations. Students must contact
    them and cover the cost for the evaluation. http://www.naces.org/members.html

2. be admitted and matriculated in a degree or eligible clock hour program at Atlantic Cape.*

3. be a US Citizen or an eligible non-citizen.

4. be registered with Selective Service, if you are male and not yet registered. Click here
    to Register with Selective Service. www.sss.gov

5. not be in default of a student loan, or owe a refund on any federal grant as stated
    in the National Student Loan Data System (NSLDS). Click here to check your status
    with NSLDS. www.nslds.ed.gov

6. be making Satisfactory Academic Progress as defined by federal, state
    and/or Atlantic Cape regulations. (See below)

*Financial Aid will only cover coursework in your degree program. It is your responsibility to ensure that you register for eligible courses within your degree program.

An institution can pay a student for only one retake of any previously passed course or its equivalent. (Passing grades are A, B, C or D) Please note that students that are repeating courses, even if permitted, will eventually have an impact on their overall Satisfactory Academic Progress (SAP).

Satisfactory Academic Progress

To be eligible for all sources of financial aid, a student must demonstrate "Satisfactory Academic Progress" towards a degree as defined by Atlantic Cape Financial Aid Office. This policy is not the same as the Academic Standing Policy governed by college Counseling and Support Services Office. Your entire academic record (all semesters) is evaluated whether or not you had financial aid. The Financial Aid Office will review your academic progress ONCE per year. Below are the requirements to maintain Satisfactory Academic Progress:

There are two components determining your academic progress:

  • Quantitative: Credits Attempted vs Credits Earned and Maximum Time frame.
  • Qualitative: Grade Point Average

The quantitative calculation will count all the credits you “attempted” at Atlantic Cape and compare them the number of credits you “earned.” Federal regulations restrict the amount of time that financial aid will pay for courses to no longer than 150% of the length of the educational program. The qualitative calculation will look at your current GPA. Repeated courses, withdrawals, incomplete grades and amnesty (grades waived by institution) are counted in the calculation of credits attempted. All courses dropped during the drop/add period are excluded from attempted credits. Transfer credits will be applied to attempted and completed credits. Atlantic Cape only accepts passing grades and does not calculate them in the GPA requirement.

In this policy, a developmental student is defined as a student who tests into basic skill coursework to achieve college level competencies in core academic skills for literacy and numeracy. Up to 24 Developmental or English as a Second Language (ESL) credits can be deducted from your attempted credits for quantitative standards but will be counted in the qualitative GPA.

Note that a student can only be paid up to a total of 30 developmental credits, not including English as a Second Language (ESL) classes.

Standards of Satisfactory Academic Progress

  1. To remain in a status of Satisfactory, you must meet the minimum quantitative & qualitative standards: Attempted vs Earned credits, Maximum Time Frame, and Minimum cumulative Grade Point Average.


Credits Attempted Completion Rate Minimum GPA Required
3-24 50% .59
25-48 60% 1.4
49-72 70% 1.7
73-96 75% 2.0


Example: You have attempted 25 credits at Atlantic Cape without any Developmental or ESL coursework. If you look at the chart, you are required to complete 60% of the number of credits attempted with a minimum of a 1.4 GPA.

Example: You have attempted 25 credits at Atlantic Cape with 6 credits of Developmental or ESL coursework. Since you are required to take 6 credits of Developmental or ESL coursework, you can deduct 6 credits from your “attempted” and “earned” credits, bringing you down to 19 attempted credits. In this example you would have to complete 50% of the attempted credits with a minimum of a .59 GPA.   Note: Developmental and ESL coursework cannot be deducted from the required GPA.

Maximum Time Frame Example: Federal regulations restrict the amount of time that financial aid will pay for courses to no longer than 150% of the length of the educational program. Therefore, if the student is enrolled in a 64 credit hour program, the student will not be eligible for financial aid after 96 credit hours attempted. Using the prior example, if you are required to take 6 credits of Developmental or ESL coursework, the 6 credits will have been deducted from your attempted credits.  Note: the attempted hours include W grades.

2. If you do not meet the minimum requirements as stated in the tables at the end of the award year you will receive notification , in writing, that you are not maintaining Satisfactory Academic Progress. You will receive a letter to your Atlantic Cape Buccaneer e-mail account indicating that you did not meet the standard and appeal instructions.

3. You may appeal this status if you have extenuating circumstances that prohibited you from meeting the requirements. Appeals are made by our Counseling and Support Services Office. If denied you will lose eligibility for all aid until your progress meets satisfactory standards again. If approved, your counselor may restrict your enrollment or place conditions on your grades. Students will be reviewed each pay period (semester) to make sure they met the conditions placed on them and that they are following the academic plan prescribed.


In the event that special circumstances prevent a student from meeting the minimum requirements of this policy, such circumstances should be brought to the attention of the Financial Aid & Counseling Appeals Committee.

Mitigating circumstances may include, but are not limited to, death of a family member, prolonged illness, and accidents. A written letter of appeal and supporting documentation, such as a doctor's note, accident report or death certificate, etc. will be required.

The Financial Aid Appeals Committee in the Student Support Services' Office will review the extenuating circumstance and supporting documentation. Once reviewed the committee will make a determination of eligibility. If granted an appeal the student will be placed in probationary status. If the student is interested in taking out a student loan they must complete a Loan appeal worksheet and submit it with the Loan Request form, Master Promissory Note and Entrance Interview. Information on how to apply for a student loan.

This MANDATORY worksheet will assist students in understanding their rights and responsibilities as a borrower. It will also help students make the right decision regarding loan amounts at a two year school. The worksheet will guide students in finding out how much they have already borrowed and how close they are to graduating from Atlantic Cape.

If a student is denied an appeal the student is no longer eligible to receive any financial aid administered by Atlantic Cape Community College, including a student loan.


If a student is granted an appeal, through the Financial Aid & Counseling Appeals Committee, the student is placed on probation. The student will be provided by the Counseling and Support Services Office, an academic plan and requirements (for example: no grade lower than a "C") to move them towards the attainment of their degree. The Counseling and Support Service Office will track the students progression each semester to determine if he/she is meeting the standards prescribed.  Students are responsible for contacting their counselor prior to registering for the next semester.

For more information, please contact the Financial Aid Office at 609-343-5082.