Degree Applicable Credit (DAC)

To be eligible for Federal/State financial assistance, a student must be enrolled in a Program of Study. A program of study is a degree (Bachelor of Arts or Bachelor of Science) with a declared primary major. Financial aid eligibility can be calculated based on coursework required for this degree and primary major. View a list of majors.

Degree Applicable Credit (DAC) is credit needed to complete the primary major along with other overall college requirements as follows:

  • 122 total credits (s.h.) (Pre-Fall 2017); 120 total credits (Fall 2017 forward)
  • 60 or 90 Liberal Arts s.h.
  • 48 upper division (200-level or higher) s.h.; 45 upper division s.h. (Fall 2019 forward)
  • 45 s.h. in residence
  • 30 of last 60 s.h. in residence
  • 1/2 the major in residence

If you work with an Advisor early on you may be able to use elective spaces to complete a dual major and/or minor, but only credit needed to reach your overall college requirements (primary major, General Education, and the minimum number of electives to reach 120 sh) is considered DAC.

The rules regulating Financial Aid are many and complex. Students need to work closely with their Financial Aid Counselor to understand financial support.

DEGREE PLANNING & FINANCIAL AID

  • Degree Applicable Credit (DAC) is the minimum coursework required to complete the program of study.
  • Only credit determined to be DAC is eligible for federal and state aid.
  • State aid DAC is based on the primary major only (except Excelsior which includes dual majors)
  • Federal aid DAC may be based on primary and dual majors.
  • Minors are not DAC unless the credit is needed to fulfill electives to meet overall minimum degree requirements.
  • If a program of study will exceed 150% (6 years), aid ceases immediately.
  • Most federal and state aid requires students be enrolled in at least 12sh of DAC.
  • For most federal and state aid, if a student becomes ineligible for aid, there is a ONE ACADEMIC LIFETIME appeal.
Types of Aid Available

Type of Grant/Credit/Loan

Program of Study Covered

Repeats
Repeating courses may affect Satisfactory Academic Progress (SAP) and Rate of Pursuit (ROP)

Full Time (FT) vs. Part-Time (PT)
FT = minimum 12sh
PT = minimum 6sh

Last Semester
(nothing is needed after this semester of enrollment)

Notes

Federal Grants

Primary and Dual majors

For courses where credit may be earned one time, students are allowed one repeat per passed course as part of DAC consideration. (Repeating failed courses is not limited and is DAC). Courses that are repeatable for credit count like any other course.

Can be prorated

If students lose federal money one semester, it can be reinstated in another semester.

Federal Loans

Primary and Dual majors

For courses where credit may be earned one time, students are allowed one repeat per passed course as part of DAC consideration. (Repeating failed courses is not limited and is DAC). Courses that are repeatable for credit count like any other course.

Can be prorated

If students lose federal money one semester, it can be reinstated in another semester.

Private Loans

Any matriculated enrollment

No restriction

Depends on loan

No special circumstances

New York State – TAP & Tuition Credit

Primary major only

For courses where credit may be earned one time, students are allowed to repeat failed courses or courses where a required minimum grade has not been achieved as long as that course is required and has no other options for fulfilling the requirement. Students are permitted multiple repeats (if allowed by college policy) to meet the required standard. Courses that are repeatable for credit count like any other course.

Must be in 12sh of DAC
Students may be eligible for part time TAP (taking at least 6 s.h. but less than 12 s.h. total with all enrolled credit being TAP DAC) if they

  • were first time freshmen in fall 2006 or after
  • have earned 12sh or more at an accredited NYS institution in each of two consecutive semesters (one-time requirement)
  • have at least a 2.00 cumulative GPA
  • meet all other TAP requirements

Exception: Students who are classified as disabled are eligible for NYS awards if they are enrolled in at least 3sh of DAC and all enrollment is DAC – and they must complete and pass the credits of enrollment.

Students need at least 1sh of TAP DAC and enough new credit to get to 12sh of new courses for full time TAP.

Second to last semester TAP: If the last semester of enrollment is a required internship, field experience, or student teaching, the second to last semester may have the last semester TAP rules applied.

If students lose TAP money one semester, it can be reinstated in another semester.

New York State – Scholarships (except Excelsior): World Trade Center, Academic Excellence, Achievement & Investment in Merit

Primary major only

Same as TAP

Must be enrolled 12sh of TAP DAC

Same as TAP

New York State – Scholarships (except Excelsior): STEM, Master’s in Ed Teacher Incentive

Primary major only

Same as TAP

Must be enrolled 12sh of TAP DAC
AND
Must earn a 2.5 or higher GPA each term

Same as TAP

Students sign contracts and receive special counseling for these types of aid.

New York State – Scholarships (except Excelsior): Math & Science Teacher Incentive

Primary major only

Same as TAP

Must be enrolled 12sh of TAP DAC
AND
Must earn a 2.5 or higher GPA each term
AND
Must maintain a 2.5 or higher cum GPA

Same as TAP

Students sign contracts and receive special counseling for these types of aid.

Excelsior

Primary and Dual majors

Same as TAP

FT & 30sh DAC per year (fall - summer)

Same as TAP

If students lose Excelsior one semester, it cannot be reinstated.

College Scholarships

All

No restrictions

Must be in 12sh or more.

n/a

Usually awarded for 4 years of study provided the student maintains the qualifications of the scholarship (if applicable)

Veterans’ Benefits (VA)

Primary major only

Repeats are not eligible for VA DAC.

Can be prorated at 6sh or more.

n/a

If students lose VA funds one term, it can be reinstated

NOTES regarding category

Primary/Dual Majors

Undeclared majors are DAC compliant until junior standing.
In the semester in which 57sh have been earned, students must have a major declared within 30 days of the start of that semester.

Below are the minimum standards required to retain FEDERAL and/or STATE aid eligibility (SAP and ROP). Note: The 5 year Accounting program gets the 5th year of aid.

Minimum Standards Required to Retain FEDERAL and/or STATE Aid Eligibility
Start of Semester for aid type

1

2

3

4

5

6

7

8

9

10

11

12

Accrual for Federal Aid

0

3

9

18

30

42

54

66

78

90

102

114

Cum GPA for Federal Aid

0.00

0.50

0.75

1.20

2.00

2.00

2.00

2.00

2.00

2.00

2.00

2.00

Accrual for State Aid

0

6

15

27

39

51

66

81

96

111

--

--

Cum GPA for State Aid

0.00

1.5

1.8

1.8

2.00

2.00

2.00

2.00

2.00

2.00

--

--

Completion for State Aid

0

6

6

9

9

12

12

12

12

12

--

--

EOP Accrual for State Aid*

0

3

9

21

33

45

60

75

90

105

--

--

EOP Cum GPA for State Aid*

0.00

1.1

1.2

1.3

2.00

2.00

2.00

2.00

2.00

2.00

--

--

EOP Completion for State Aid*

0

6

6

9

9

12

12

12

12

12

12

12

Start of Semester for aid type

1

2

3

4

5

6

7

8

9

10

11

12

If unusual circumstances beyond a student’s control affected SAP/ROP, the student may apply for a Satisfactory Progress Waiver. An approved waiver allows financial aid eligibility to be restored for the semester, despite a failure to meet published standards. After that semester, students must meet new standards to retain eligibility.

Exceeded 150% of Program Length: The maximum time frame in which a student is expected to finish an undergraduate program is 150% of the published length of the program measured by credit hours attempted. A student is ineligible when it becomes mathematically impossible for him to complete his program within 150% of the length of the program (important when changing majors). Additionally, aid eligibility ceases when degree requirements are met (regardless of whether students apply for their degree).

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