60% Completion Dates

The Office of Financial Aid provides a chart of 60 percent enrollment participation dates for various class start times throughout the semester. These tables should be used as a guide to help you identify 60 percent completion dates for common enrollment scenarios. Contact the Office of Financial Aid if you need help identifying a 60 percent completion date for an unlisted enrollment scenario or if you need further information to determine whether dropping or withdrawing from courses will have R2T4 implications.

Please view the applicable semesters to review the 60 percent enrollment patterns:

Example of How Changes in Your Enrollment Affect Your Financial Aid Eligibility

Period of Enrollment Table: Student A

Example 1:ÌýStudent A was scheduled to attend UMGC from August 12th through December 8th and was enrolled in two courses during that period.

  • The student successfully completed Course 1.
  • After Course 2 began, the student withdrew from the course.
  • Because the student stopped attending before completing all of the courses originally scheduled for the payment period, the university must perform a Return of Title IV Funds (R2T4) review.

What does this mean?
Federal financial aid is awarded based on the expectation that a student will complete all courses they were scheduled to attend. When a student withdraws from a course after it starts, the school must review the student's enrollment and attendance to determine whether they earned all of the federal aid they received.

Depending on the results of the review, the student:

  • May have earned all of their aid, or
  • May be required to have a portion of their federal aid returned, which could result in a balance owed to the university.

In this example:
Even though Student A completed Course 1, withdrawing from Course 2 after it began changed the student's enrollment. As a result, UMGC is required to conduct an R2T4 review to determine whether any federal financial aid must be adjusted.

Session ScenarioStart DateEnd Date

Course 1
Successfully Complete

8/12/202610/6/2026

Course 2
Dropped course on 10/19/2026

10/14/202612/8/2026

Period of Enrollment Table: Student B

Example 2:ÌýStudent B was scheduled to attend UMGC from April 7th through June 22nd and was enrolled in one, 6-credit course during that period with no other enrollment.

  • After the course began, the student withdrew from the course.
  • Because the student stopped attending before completing the course, the university must perform a Return of Title IV Funds (R2T4) review.

What does this mean?
Federal financial aid is awarded based on the expectation that a student will complete all courses they were scheduled to attend. When a student withdraws from a course after it starts, the school must review the student's enrollment and attendance to determine whether they earned all of the federal aid they received.

Depending on the results of the review, the student:

  • May have earned all of their aid, or
  • May be required to have a portion of their federal aid returned, which could result in a balance owed to the university.

In this example:
Because Student B withdrew from Course 1 with no other active enrollment, UMGC is required to conduct an R2T4 review to determine whether any federal financial aid must be adjusted.

Session ScenarioStart DateEnd Date

Course 1 (6 Credit Course)
Withdrawn course on 5/15/2027

4/7/20276/22/2027

Changes in Enrollment and Federal Pell Grant

Period of Enrollment Table: Student C

Student C was enrolled in three, 3-credit courses (9 credits total) scheduled between January 6th and May 4th.

  • The student completed Course 1.
  • The student then withdrew from Course 3.
  • The student continued attending Course 2.

Because the student is still attending a course in the same enrollment period, this is considered a partial withdrawal, not a complete withdrawal. The student's enrollment period does not change, so an R2T4 calculation is not required.

What does this mean?
Even though the enrollment period stays the same, dropping Course 3 reduces the student's enrollment from 9 credits to 6 credits. Financial Aid must review the student's eligibility and adjust the Federal Pell Grant based on the new enrollment level.

In this example:
The student's Federal Pell Grant will be recalculated based on 6 enrolled credits instead of 9 credits. As a result, the student may receive less Pell Grant funding than originally awarded and may owe a balance to the university.

Session ScenarioStart DateEnd Date

Course 1
Successfully Complete

1/6/20273/2/2027

Course 2
Enrolled

3/10/20275/4/2027

Course 3
Withdrawn course on 4/25/2027

3/10/20275/4/2027

Dropping Classes and Financial Aid FAQs

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