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Financial Aid: Keeping USF Affordable
Financial Aid: Understanding the Cost of Tuition

Financial Aid Policies and Procedures

Satisfactory Academic Progress (SAP) Requirement

To remain eligible to receive financial aid, a student must demonstrate that he or she is making Satisfactory Academic Progress (SAP) at USF. Satisfactory progress is defined as progressing at a normal pace toward successful completion of a degree program. Read our full SAP policy (pdf).

Financial Aid Appeals

Recognizing that the information collected by the Free Application for Federal Student Aid (FAFSA) does not always reflect an applicant’s current financial circumstances, the Office of Financial Aid may re-evaluate eligibility for student aid when specific circumstances regarding an involuntary loss of income has occurred. Financial Aid applicants interested in submitting a financial aid appeal should read and complete the appropriate year Financial Aid Appeal form.

Federal Financial Aid Regulations Regarding Students Who Withdraw From The University

The Higher Education Amendments of 1998 require that the University calculate pro-rated student aid eligibility for students who withdraw before completing more than 60% of any academic term. Aid awarded to the student and not earned at the time of the effective date of withdrawal will be returned to the Federal Title IV Student Financial Aid Programs. The Title IV programs include the Federal Pell Grant Program, the Federal Supplemental Educational Opportunity (SEOG) Grant Program, the Federal Perkins Loan Program, the Subsidized and Unsubsidized Federal Direct Stafford Student Loan Program, and the Federal Parent or Graduate PLUS Loan Programs.

Students who wish to withdraw from all classes during a given semester but plan to return to USF at a future date must contact their college office to request an official Leave of Absence. The student must provide a completed Leave of Absence form to the Office of the Registrar and provide the Financial Aid Office with written documentation specifying the semester in which they intend to return. Documentation must be either signed and dated or sent from the student's usfca.edu email address.

Federal regulations require that the amount of unearned Federal financial aid be calculated by measuring the number of days the student completed against the number of days in the term in which the student withdraws; that the University’s Student Accounts office return the unearned aid they accepted in payment of charges; and that the University notify the student of his/her responsibility for returning unearned aid he or she received as a refund from the Student Accounts office after all charges had been paid. If aid funds must be returned to the Title IV aid programs, loan funds will be returned before grant funds. Funds received by the Student Accounts office and by the student, if any, will be returned in the following order as long as there is any amount to be returned:

  • Unsubsidized William D. Ford Federal Direct Stafford Loan
  • Subsidized William D. Ford Federal Direct Stafford Loan
  • Federal Direct Parent or Graduate PLUS Loan
  • Federal Pell Grant
  • Federal Supplemental Educational Opportunity Grant (SEOG)
  • Other assistance programs authorized by Title IV of the Higher Education Assistance Act

The Student Accounts Office and the Office of Financial Aid Operations have information on this policy for students admitted to and enrolled in the University’s degree and credential programs. Examples of repayment calculations are available.

Code of Conduct: Education Loans

The University of San Francisco does not participate in any revenue-sharing arrangements with any lender, nor does the University receive gifts from any lender, a guarantor or a loan servicer for providing Loan Funds to its student population.

The USF Private Loan Option list is a list of lenders that USF has successfully worked with in the past and that USF students have borrowed from over the past five or more years. Students are not limited to these options when choosing a lender. USF approves or denies loan requests based on enrollment only. Any student receiving a private loan must be enrolled in at least one class. Any student receiving Federal Direct loans must enroll at least half time. If these conditions are not met, USF may deny the student loan certification.