Satisfactory Academic Progress Policy (SAP)
You must maintain satisfactory academic progress to be eligible for further loans. Satisfactory academic
progress is measured annually at the end of each academic year in accordance with the University’s
published academic standards required for graduation and U.S. regulations.
To be eligible for further funding you must fulfill all three SAP Components:
 Grade Point Average (Qualitative)
 Pace (Quantitative)
 Time (Quantitative)
All periods of enrollment count when assessing progress even periods when no U.S. Direct Loan funding
was received.
Failure to meet all of the above requirements will result in loss of
furtherassistance.
U.S. Direct
Loan
No Warning!
There
is nowith
WARNING
PERIOD.
Grade Point Average (Qualitative component)
 A minimum Cumulative Grade Point Average (GPA) of 2.0 by the end of year two or the
equivalent of at least a “C”.
 Year 2 is at the completion of 4 semesters attended
Failure Results In:
 No further U.S. Direct Loan
 You may continue your studies at the University of Toronto without U.S. Direct Loan and raise
your GPA to the minimum required to be eligible for U.S. Direct Loan in the future
 Appeal may be possible (see Appeal of Satisfactory Academic Progress)
Pace (Quantitative component)
Pace = Total Credits Completed /Total Credits Attempted
 Completion of at least 3.5 full time course equivalents (FTE) by the end of each academic year
for undergraduate Arts and Science students or a completion rate that would enable you to
complete your degree within the maximum timeframe (150% of the published length of degree
completion time).
 Completed courses include courses transferred from another university or program towards
your University of Toronto degree; Credit (CR)
 Attempted course include Late Withdrawals (LWD), No Credit (NCR), Standing Deferred (SDF),
Extra –includes Repeats(EXT)
Failure Results in:
 No further U.S. Direct Loan.
 You may continue your studies at the University of Toronto without U.S. Direct Loan and raise
your completion pace to 3.5 FTE to be eligible for U.S. Direct Loan in the future.
 Appeal may be possible (see Appeal of Satisfactory Academic Progress)
Timeframe (Quantitative component)
 Undergraduates must complete your program within 150% of the University of Toronto
published length of degree completion time.
 Graduates must complete your program within the timeframe published in the University of
Toronto Graduate Calendar.
 If you have insufficient time left to complete your degree in the maximum timeframe, you
are not eligible for further U.S. Direct Loan. Appeals are considered.
Failure Results In:
 no further U.S. Direct Loan
Timeframe (Quantitative Component)
Published Length of
CGPA or GPA at end of
Maximum Years to Complete
Degree (Timeframe)
year
Degree while Receiving U.S.
Direct Loans
1 year
GPA meets academic
1.5 years
standing required to
graduate
4 year (applies to
CGPA of 2.0 or the
Undergraduate Degrees)
equivalent to “C” at the
6 years
end of year 2. All other
years, GPA meets
academic standing
required to graduate
5 year
GPA meets academic
7.5 years
standing required to
graduate
Appeal of Satisfactory Academic Progress
Appeals will be considered for unusual or extraordinary situations such as:






family difficulties
medical problems
illness
death in a family
interpersonal relationship problems
financial difficulties
Required documentation must include the following:
 letter explaining why you were unable to meet the SAP
 documentation supporting your reasons for not meeting the SAP
 explanation of what has changed that will enable you to meet the SAP
 Official Academic Plan of Recovery developed by you and your official school advisor outlining
the upcoming school year courses that demonstrates you will meet SAP
All required documentation must be submitted to Enrolment Services, 172 St. George Street,
Toronto, Ontario M5R 0A3, Attention: SAP Appeal Committee
Decisions:
 You will be notified of the outcome of your appeal by mail to your mailing address on ROSI
 Successful appeals will result in Financial Probation Status.
Maintaining Satisfactory Academic Performance:
 You must provide evidence of satisfactory academic progress before the next disbursement is
paid typically in January
 If you do not meet the SAP requirements of the academic plan, you will lose your eligibility
for U.S. Direct Loan for the next term and year.
Useful Links:
Transfer Credit Information for High School and Post-Secondary Courses

http://www.artsci.utoronto.ca/newstudents/transfercredit
Grade Point Average by campus
St. George
 http://life.utoronto.ca/get-smarter/course-calendars-listings/
University of Toronto Scarborough
 http://www.utsc.utoronto.ca/~registrar/calendars/calendar/Standing_in_a_course.html
University of Toronto Mississauga
 http://student.utm.utoronto.ca/calendar/calendar_detail2.pl?Topic=Grading%20Scheme
Arts and Science Rules and Regulations
 http://www.artsandscience.utoronto.ca/ofr/calendar/Rules_&_Regulations.html
last updated May 2015