Financial Aid Policies

Allocating Refunds and Repayments · Appeal Policy · Failure to Meet the Satisfactory Academic Progress Standards · Financial Aid Eligibility · Refund Policy · Repayment Policy · Satisfactory Academic Progress Policy

Financial Aid Eligibility

To receive financial aid a student must meet certain standards of satisfactory academic progress as defined by the college in accordance with current federal regulations. These standards include both a qualitative measure of the student's progress (GPA) and a quantitative measure (number of cumulative credits earned) to ensure that a student is progressing at a reasonable rate toward the completion of a degree.

Satisfactory Academic Progress Policy

Qualitative Standard (minimum GPA)

Wisconsin Lutheran College expects all students to complete their academic objectives as detailed in this catalog, following the prescribed sequence of courses for the degree program selected, and observing prerequisites. Each college or university is required by federal law (Higher Education Act of 1965 and Amendments) to define and monitor standards to measure Satisfactory Academic Progress for students receiving financial aid. The standards apply to all students who receive federal, state, or Wisconsin Lutheran College grants or loans. The GPA requirements for other institutional gift aid programs are noted in the individual program descriptions. The standards are established to encourage students to complete courses for which aid is received and to progress at a reasonable rate toward the completion of a degree. The table below outlines the qualitative standards established by WLC. Matters of financial aid eligibility which are not treated specifically here are resolved by application of college academic policy.

The table below outlines the standards established by Wisconsin Lutheran. Matters of financial aid eligibility which are not treated specifically here are resolved by application of College academic policy.

Qualitative Standards

Minimum Cumulative GPA

After the First Semester Enrollment


All Semesters Thereafter







Quantitative Standard (number of earned credits)

Full-time students of all majors are allowed up to six years to complete their baccalaureate degree if they find it necessary to do so according to the Quantitative Standards of WLC. It is noted that the time a student was enrolled at another college (and was taking classes that will transfer to WLC) will be calculated toward the six years, even if no aid was received during this time. However, to establish the time frame from completing a degree a semester of enrollment will be assessed for each twelve credits which are accepted as degree credits at WLC. For example, if a full-time student transfers with 48 credits to WLC, the student will have four semesters assessed toward the time frame and eight semesters of remaining enrollment eligibility in which to complete a degree.

  • Incompletes, withdrawals, audits, and failing (F) grades will not be counted as earned credits.
  • The standard will not be monitored during summer session(s).

Quantitative Standards

Academic Years Completed 1 2 3 4 5 6 7 8 9 10 11 12
Full-time (12 credits/sem.) 18 40 62 84 106 128  
3/4 time (9-11 credits/sem.) 16 32 48 64 80 96 112 128  
1/2 time (6-8 credits/sem.) 9 18 29 40 51 62 73 84 96 106 117 128

Failure to Meet the Satisfactory Academic Progress Standards

Quantitative Standard (number of earned credits)

First Occurrence
For any academic year in which a student enrolls but does not satisfactorily earn the requisite number of credits, the student will be put in a warning status. The student would then be notified in writing by the financial aid office of this status.

Second occurrence
If student fails to earn the requisite number of credits for a second consecutive time he/she will be INELIGIBLE for further aid consideration. Eligibility can be regained by making satisfactory progress one semester at his/her own expense.

Qualitative Standard (minimum GPA)

The cumulative GPA of each student is monitored each semester. Students on probation are allowed to continue receiving financial aid for one semester. Students who do not meet the minimum cumulative GPA requirement for two consecutive semester will be INELIGIBLE for further aid consideration. Eligibility can be regained by achieving a cumulative grade point average of 2.00 after one semester at his/her own expense.

Appeal Policy

Students with unusual, mitigating circumstances that have caused them to need more than the number of years allowed to complete their degree, or have caused them to progress unsatisfactorily, or have caused them to fall below the required cumulative GPA are allowed to appeal their ineligibility for financial aid. The student may write a letter of appeal including any information that will help to explain their special circumstances. This letter should be submitted to the financial aid office. The circumstances will then be reviewed by the financial aid committee to determine if sufficient mitigating circumstances exist to allow reinstatement of all or some types of aid for defined time periods.

Refund Policy

Refund and repayment policies apply to a student who withdraws or is terminated during the semester. It does not apply to a student who withdraws from some classes but continues to be enrolled in other classes. A refund is the difference between the amount paid towards institutional charges (including financial aid and/or cash paid) and the amount the school may retain under the appropriate refund policy. Refunds are based on the student's withdrawal date. The refund process begins with the completion of a student withdrawal form.

In cases where a student has received federal financial aid, WLC may be required to follow the Federal Pro-rata Policy or the Federal Refund Calculation Policy.

First-Time Students
Refunds for first-time students who receive federal assistance will be made on a pro-rata basis to students who withdraw on or before the 60% point of the semester. The refund percentage is the number of weeks remaining in the semester as of the withdrawal date/number of weeks in the semester, rounded down to the nearest 10 percent.

Non-First-Time Students
Refunds for all non-first-time students who received federal aid are made in accordance with the Federal Refund Policy specified by the US Department of Education or the WLC Refund Policy, whichever provides the largest resulting refund.

Federal Refund Policy

Time Period Refund
Withdrawal up to one week before or on the first day of class 100% refund
From the first day of class through the first 10% of the enrollment period 90% refund
From after the first 10% through the first 25% 50% refund
From after the first 25% through the first 50% 25% refund

WLC Refund Policy

Time Period Refund
Withdrawal during week one 90% refund
Week two 80% refund
Week three 60% refund
Week four 40% refund
Week five 20% refund
Weeks 6-16 No refund

All refunds include tuition, fees, housing, and meal charges as applicable. Detailed rules and examples of the refund calculations, as defined by federal statute, are available on request from the financial aid office.

Repayment Policy

A repayment may be required if a student received any cash disbursement of financial aid (except work-study/federal loans) for unearned non-institutional costs. WLC prorates allowances for off-campus housing, meals, personal expenses and transportation on a weekly basis. If a student's disbursement is greater than the student's living expenses calculated up to the withdrawal date, the student must repay the excess amount.

Allocating Refunds and Repayments

When distributing a refund or repayment, money must first be distributed in the following order as allocated by law. Federal dollars are returned in full. Remaining monies are pro-rated and allocated among state, private, and institution sources up to the refund percentage.

  1. Unsubsidized Stafford Loans
  2. Subsidized Stafford Loans
  3. PLUS Loans
  4. Federal Pell Grants
  5. Federal SEOG
  6. Other Title IV Assistance
  7. State, Private, or Institutional Aid
  8. The Student

The student would receive money only after all financial aid programs have been refunded. Typically, a student who received federal aid does not receive a cash refund. If a student owes unpaid charges to the school, the student's account will automatically be credited with a portion of the student's refund up to the amount owed by the student.