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Learn the details of how to maintain your financial aid

Understanding your Financial Aid

The Financial Aid Office verifies all FAFSA selected for verification by the Department of Education. Under certain circumstances, additional files may be selected where conflicting information indicates that there may be errors in the data reported.

There is some flexibility in determining a student's eligibility for financial aid.

Dependent status vs Independent status - parents refusing or unwilling to contribute to a student's education or students that demonstrate total self-sufficiency do not qualify a student as independent. However, a student may be eligible to appeal the dependent status by filing a Petition for Independent Status if there are extenuating circumstances. Contact the Financial Aid Office prior to filing a petition.

Financial Situations - in some cases, your financial aid administrator may adjust your cost of attendance or the information used to calculate your Expected Family Contribution (EFC) to take into account circumstances that might affect the amount you and your family are expected to contribute toward your education. These circumstances can include: a family's unusually high medical or dental expenses, not covered by insurance; or if you, your spouse, or either of your parents (if a dependent student) have been recently unemployed. Contact the Financial Aid Office to obtain information on how to submit an Income Reduction Appeal.

How to Retain Your Financial Aid Eligibility

SAP is key to keeping your financial aid eligibility. Federal regulations require that a student receiving federal financial aid achieve and maintain satisfactory academic progress in accordance with the standards set by YC and the federal government.

All financial aid recipients are required to meet minimum SAP standards by maintaining a cumulative grade point average (GPA) of 2.0 or better AND a 66.67% or better rate of progression. Rate of progression is measured by the total number of earned credits divided by the total number of attempted credits. Rate of progression includes ALL credits attempted and earned at YC and other schools you previously attended.

The number of total attempted credits is reviewed to determine if you have reached Maximum Time Frame (MTF) suspension. Per Federal regulations, you must complete your degree or certificate within 150% of the credit hours required to complete the program. For example, 96 attempted credits are allowed to complete a 64 credit Associates Degree at YC. This "pace of progression" requirement equates to completing 66.67% of all credits you attempt. Refer to our SAP policy for details.

The Financial Aid Office will evaluate satisfactory academic progress before aid is awarded and again after grades are posted for every term.

For more information, refer to the policies below.

2019-20 SAP policy
2018-19 SAP Policy
SAP Calculators

  • GOOD Status: Students who are meeting all aspects of the satisfactory academic progress policy or successfully following a designated academic progress plan.
  • Warning Status: Students who fail to meet satisfactory academic progress for the first time (excluding students who have already attempted 150% of the credits required for their programs of study) will be automatically placed in a Warning Status for one term and are expected to meet SAP requirements by the end of that term.
    Students who fail to meet satisfactory academic progress requirements at the end of the warning status term will be placed on financial aid suspension. However, with a successful SAP appeal, those students will retain financial aid eligibility.
  • Financial Aid Suspension: Students who do not meet the credit progression schedule and/or the cumulative grade point average standard will be placed on financial aid suspension. Students in Suspension Status are not eligible to receive financial aid, unless an appeal is submitted and approved.
  • Probation Status: Students who have successfully appealed their financial aid suspension may be placed in a Probation Status for no more than one semester. After completion of the Probation semester the student MUST be meeting the Standards of Satisfactory Academic Progress.

Students who have successfully appealed their financial aid suspension may also be placed in an Academic Plan. Students placed in an Academic Plan are eligible to receive financial aid for multiple semesters, provided that 100% of attempted credits each term are completed with a passing grade. Failure to meet the term by term requirements will result in termination of the Probation status and the student will no longer be eligible to receive financial aid.

Completion Rate (67% Rule): Students must, at a minimum, receive satisfactory grades in 67% of cumulative credits attempted. Credits with a grade of A, B, C, D, S or P are considered satisfactory. Courses with a grade of F, W, U, I, R, or X are considered unsatisfactory.

The calculation is made by dividing the cumulative total number of successfully completed credits by the cumulative total number of credits attempted. All credits attempted at YC are included.

All credits accepted in transfer count as both attempted and successfully completed credits. This evaluation will be made prior to aid being awarded and after grades are posted at the end of each semester a student is enrolled at the college.

Per US Department of Education regulations, financial aid will be disbursed to students based on Course Program of Study ( CPOS) attending hours.  The amount you receive in a disbursement is based on: the types of federal aid you are awarded, your number of enrolled CPOS-applicable credits, and the class start date of the class. You must meet all of the disbursement eligibility requirements to receive the money. Funds will be disbursed after YC charges are paid

  • Taking ONLY full-semester length courses:All Financial Aid will be disbursed on the first disbursement date of the semester (see academic calendar)
  • Taking ONLY late start classes: (starting after the first day of the semester), disbursement will occur approximately 7-10 days after your classes begin.
  • Taking both full-semester and late start classes: partial funds will be disbursed on the first disbursement date of the semester and the remainder will disburse approximately 7-10 days after your next classes begins.

Starting Fall 2019, you may receive federal financial aid only for courses that count toward your declared program of study. See the Course Program of Study page for more information

  If you drop or stop attending all classes at Yavapai College (complete withdraw) after you have received your financial aid, you may be required to repay a portion of the funds you received. 

YC is required by federal statute to recalculate federal financial aid eligibility for students who withdraw prior to completing 60% of a term.  Recalculation is based on the percentage of earned aid using the federal Return to Title IV funds formula.  All unearned aid must be returned to the Department of Education and repaid to YC.  If your withdrawal date occurs after 60% of the semester has been completed, you have earned 100% of your federal financial aid.

The dates for 60% Completion for full semester length classes may be found on the academic calendar.


The withdrawal date will be determined based on the following criteria in the following order:

  • Official withdrawal date: The date the student began the official withdrawal
  • Unofficial withdrawal date: The last date student attended class, determined by the student’s instructor; or
  • If the student did not begin the withdrawal process or otherwise notify the school of the intent to withdraw, the midpoint

of the semester for which federal financial aid was disbursed or a later date documented by the school.


  • The Financial Aid Office will provide written notification to any student who is required to repay a portion of their federal financial aid received. This written notification will include the repayment amount as well as the payment
  • A hold will be placed on the student’s college record until this debt has been satisfied. This hold will prevent the student from accessing services such as registering for classes or requesting a
  • In the case of a Pell Grant overpayment, the Department of Education will also be notified which will prevent the student from receiving future federal financial aid until the required amount has been paid in full.


According to the Department of Education federal financial aid funds must be returned in the following order:

  1. Unsubsidized Federal Direct Loan
  2. Subsidized Federal Direct Loan
  3. Federal PLUS loan 6. LEAP
  4. Federal Pell Grant
  5. Federal SEOG

Receiving Funds

A student’s financial aid award is prepared based on anticipated full-time enrollment. In accordance with federal regulations, Yavapai College will recalculate federal, state and institutional aid awards based on the enrollment status in degree applicable courses as of the published Freeze Date. Your aid may be prorated based on the recalculated enrollment status.

Generally, the initial Freeze Date occurs approximately seven calendar days after the start of the semester. The published Freeze Date for each semester can be found on the academic calendar. Student enrollment levels are locked on this date for disbursement purposes.

Any classes that are added or dropped after this Freeze Date will not impact (either increase or decrease) the student’s financial aid for the semester. However, students who never attend class will have a reduction of Pell eligibility and students who withdraw from all classes will be subject to a Return to Title IV eligibility calculation that may result in financial aid funds having to be repaid.

Additional information regarding adding/dropping classes, and late start only classes are discussed in the Financial Aid Freeze Date Policy

Prior to financial aid disbursement, students must meet all eligibility requirements for their disbursement fund type.

Per US Department of Education regulations, financial aid will be disbursed to students based on Course Program of Study (CPOS) attending hours. The types of federal aid you are awarded, the number of CPOS credits you are enrolled in, and the start date of the class will dictate how much you will receive in a disbursement.

  • If ALL of your eligible CPOS classes begin on the first day of the semester you will receive ALL of your financial aid (after YC charges are paid) on the first disbursement date of the semester.
  • If you are ONLY enrolled in late start CPOS classes, meaning those that start after the first day of the semester, your financial aid disbursement will occur approximately 7-10 days after your classes begin.
  • If your enrollment includes a combination of CPOS classes (classes beginning the first day of the semester and late start classes), your disbursements will depend on your enrollment status at the time of the scheduled disbursement dates. You will may only receive a partial disbursement of financial aid on the first disbursement date of the semester and the remainder will disburse the remaining disbursement approximately 7-10 days after your late start classes begin.

If you have financial aid funds that exceed the charges on your student account at the time of disbursement, you will receive a refund, which may be used to pay other educationally related expenses.

Your refund may be issued in the form of a check mailed to your current address or electronically (ACH) through E-Refund (log into your Student Portal and select Payment Center).

Issues that May Affect Your Financial Aid Eligibility

Eligibility Requirements: minimum criteria to be eligible for most federal, state and institutional funding

  • A U.S. citizen or an eligible noncitizen
  • A valid Social Security number
  • Registered with Selective Service, if you are male
  • Demonstrate financial need
  • Enrolled in an eligible degree or certificate program
  • Maintain satisfactory academic progress
  • Not in default on a federal student loan or owe money on a federal student grant
  • Not convicted of a drug related felony while being a recipient of federal student aid
  • High school diploma OR a recognized equivalent such as a General Educational Development (GED) certificate OR have completed a high school education in a home school setting approved under state law OR have passed an Ability to Benefit (ABT) test prior to July 1, 2012 OR have completed at least 6 credit hours at Yavapai College or elsewhere, or the equivalent coursework (225 Clock hours), prior to July 1, 2012 that are applicable to a degree or certificate currently offered by Yavapai College.

The following is a list of Yavapai College programs/certificates that are ineligible for financial aid. These programs are subject to change: AGEC-A, AGEC-B and AGEC-S, Computer Networking Technician, Early Childhood Education - Basic, Emergency Medical Technician - Basic, Law Enforcement and Corrections, Legal Office Clerk, Justice Studies, Personal Interest, Phlebotomy, Small Business Entrepreneurship, Solar Renewable Energy, Undecided/Undeclared, Weatherization and Energy Efficiency

As of July 1st, 2013, any first-time borrower, (defined as someone who has no outstanding balance on a FFELP or Direct loan when receiving a Direct loan on or after July 1, 2013), will only be able to obtain federal Direct Subsidized loans for a maximum of 150% of their published degree/certificate program length. Additionally, the subsidized loans that had been borrowed up to the 150% point will lose further government subsidy and interest will begin to become the student's responsibility if they do not graduate by the 150% point (and continue to be enrolled in the same or a shorter undergraduate program). From that point forward, these subsidized loans will become unsubsidized loans.


  • Students may receive Direct Subsidized loans for no more than 150% of the length of the current academic program. For example, a student enrolled in a two-year program will have three years' worth of subsidized loan eligibility and a student enrolled in a four-year program will have six years' worth of subsidized loan eligibility.
  • Once a student reaches the 150% mark in a particular program, their future subsidized loan eligibility in that program will end. They may, however, be eligible for unsubsidized loans.
  • A student who reaches the 150% limitation will have their interest subsidy end for all outstanding subsidized loans if the student does not graduate and continues to be enrolled in the same or a shorter undergraduate program. Repayment does not begin, but like unsubsidized loans, the student (rather than the government) would become responsible for interest that accrues from this point forward.
  • Unlike other measures in determining continued aid eligibility, this provision is not affected by the total dollar amount borrowed. Any and all periods of subsidized loan borrowing will count against the 150% time limit.
  • This policy is in addition to, and not in place of, the lifetime aggregate loan limits that are currently in place.

For more information view the FACT Sheet from the U.S. Department of Education.

Federal Student Aid website - learn how the amount of Pell Grant you have received is calculated.

National Student Loan Data System website - login to find out the specific amount of Pell grant you have received.

Miscellaneous Topics

Transfer monitoring is the process by which schools must verify with the Department of Education (via  NSLDS), eligibility for federal financial aid for students who begin their study mid-year or during the summer at Yavapai College. Once transfer monitoring for a student is reported to NSLDS, Yavapai College is required to wait seven (7) days before funds can be disbursed to the student. This process must be done even if the student did not receive financial aid at any other school.

Email is the official means of communication with you regarding your financial aid.

Our initial email correspondence goes to the email you listed on your FAFSA. When you register for classes you receive a YC scholar email address and all future correspondence will go to your YC scholar email. If you want to redirect your official address to another email address, log into your YC account. Learn how to login and update your information in your YC portal account.

Book Advance Program requirements:

  • Students are eligible to charge books after being awarded
  • You must have a credit balance after all tuition, fees, and room and board charges have been paid.
  • Books and supplies only. Clothing cannot be charged.
  • Books must be charged within a specific timeframe. Please see the 2019-20 academic calendar for specific dates.
  • Your student ID is required to verify your financial aid eligibility and the amount that you are authorized to charge at that time.

Book Advance Key Points:

  • If your financial aid eligibility changes, or your awards require re-calculation due to a change, you are responsible for the balance created on your student account from this book charge.
  • If you do not receive your financial aid, or withdraw prior to receiving your financial aid, all outstanding charges including the books charged will be your responsibility.
  • The bookstore charges will reduce the amount of financial aid refund that you will receive.