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

  1. (a) Students enrolled in a program of study at Atlantic Cape prior to July 1, 2012 must have a High School Diploma or GED, or have a passing score on all sections of the Accuplacer Placement Exam. You may go to our testing link for more information on taking the Accuplacer: http://www.atlantic.edu/admission/testing/placementTest.htm You may also qualify if you have passed six or more college level classes prior to applying for aid. Contact our Financial Aid Office for more detailed information.

    (b) Due to new federal regulations, students who first enroll in a program of study on or after July 1, 2012 at Atlantic Cape must have completed their High School Diploma or GED to qualify for Title IV (Federal) funding. Students who have not completed High School or earned a GED may still be eligible for State Aid.

    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 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.

Effective July 1, 2011, 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 student 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

In federal aid programs, all developmental and ESL courses are counted as credits attempted and credits completed. 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 has attempted 12 or more credits of developmental courses or English as a Second Language (ESL). 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.

A regular student is any student who has not attempted more than 11 credits of developmental courses or English as a Second Language (ESL) courses.

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 and maximum time frame and minimum cumulative Grade Point Average.

ESL or Developmental Student

Credits Attempted Completion Rate Minimum GPA Required
3-20 25/% .50
21-40 50% 1.0
41-60 60% 1.4
61-80 70% 1.7
81-114 75% 2.0

Regular Student

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 22 credits at Atlantic Cape. Assuming that you are a "Regular Student" (you have not attempted 12 or more credits of developmental or ESL coursework) look on the Regular Student Chart. The number of credits attempted (22) fall within the first range of credits. (3-24)

Looking across on the table, you will notice that the required percentage of credits to be completed/earned is 50% or 11 credits in this example. The next item to be considered is the GPA. Notice that a .59 is required. Therefore, in order to be eligible for financial aid, you must have completed at least 11 credits with a GPA of .59 or better.

Maximum Time Frame

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. Please note that 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 Appeal 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. Click here for information on how to apply for a student loan.

This MANDATORY worksheet will assist student 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 Appeal Committee, the student is placed on probation. The student will be provided by the Counseling and Support Services Office, an academic plan and requirements (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.

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