Financial Aid

Course Retake Policy - Impact on Federal Aid

Rules for Retaking Courses with Federal Aid: When a Retake Can (and Can't) be Funded

Federal regulations state that a student may receive federal aid for only one additional attempt of a previoulsy passed course. A "passed" course is defined as any grade higher than an "F," regardless of institutional or program requirements for a higher grade.

If a student retakes a previously passed course more than once, the course will not count toward their Title IV enrollment status. Since Pell Grant amounts are based on enrollment intensity, this may result in a reduced Pell Grant award.

Enrollment Status (Intensity)

  • Enrollment Intensity is the percentage of a student's enrollment status relative to what's considered full-time. At Union, enrollment in three credit-bearing courses is considered full-time for federal aid purposes.
  • If one or more repeated courses no longer count, the student may be considered less than full-time (e.g., half-time), which directly impacts Pell Grant award levels.
  • Federal Direct Loan eligibility is based on maintaining at least half-time enrollment. As long as as student's Title IV enrollment status is at least half-time, loan eligibility will not be affected, even if their Pell Grant is reduced.

Enrollment Status Impact Examples

The following examples assume the student remains at least half-time, so federal loan eligibility is not affected.

ScenarioAttempt 1

Attempt 2

Attempt 3

Attempt 4

Impact on Pell Grant/Enrollment Status
#1Fail (F)Fail (F)Pass (D)Pass (C-)Attempts 1-2 (failures) do not count. Attempts 3-4 count toward enrollment status. A fifth attempt would not count, reducing Pell award level.
#2Pass (D)Pass (C)Pass (C+)---Attempt 1 is a passing grade. Only one repeat (Attempt 2) can count. Attempt 3 exceeds the limit and would not count toward enrollment status, reducing Pell award level.
#3WithdrawalPass (C)Fail (F)---Withdrawal does not count. Attempt 2 (first passing grade) counts. Attempt , even though failing, is the one allowed repeat. Additional attempts would not count, reducing Pell award level.
#4Fail (F)Pass (D)WithdrawalPass (C-)Attempt 1 (fail) does not count. Attempt 2 (passing) counts. Withdrawal does not count. Attempt 4 is the one allowed repeat. Additional attempts would not count, reducing Pell award level.

⚠️ Important Notes

  • All repeated coursework is counted in SAP calculations (GPA, pace, and maximum timeframe).
  • Courses not counted toward enrollment status will reduce Pell Grant award levels, but do not affect affect institutional merit/grant aid.
  • Federal loans are not affected as long as the student remains enrolled at least half-time, even if Pell enrollment status is reduced. At Union, half-time status means students must be enrolled in two credit-bearing courses that count towards their Title IV enrollment status.
  • This policy explains the impact of course retakes on federal loans; institutional policies on retakes are separate and can be found in the Academic Catalog.