Minimum Credits

Course Load Requirements

All aid offers are based on the assumption that students will enroll full-time. If you will enroll part-time, you must submit a Course Load Change Form, which you can find linked from Forms & Online Services.

For information about summer and winter minimester enrollment requirements, see summer/winter aid.

Your Course Load will affect your aid in four ways:

1. If you attend less than full-time, your Cost of Attendance Budget and your financial need will decrease. This can cause Award Changes & Reductions.
2. Aid programs also require a minimum number of credits per term.

3. If you will graduate in December and will attend part-time that fall term, we must pro-rate your maximum Fall Direct Subsidized & Unsubsidized Loan amounts based on your portion of full-time enrollment. (Your spring aid will be canceled.)

   Example:  9 fall credits = 9/12 full-time credits = a 75% enrollment level.  Your maximum fall loan = 75% of your normal maximum.

4. If this is not your first year in college, then you must successfully complete at least 30 credits during this academic year to remain eligible to receive any of the following Maryland Higher Education Commission (MHEC) grants during the next academic year:  Guaranteed Access Grant, Educational Assistance Grant, or Campus-Based Educational Assistance Grant​.  These requirements only apply to these three MHEC grants.  For more information, see MHEC's Completion Requirements.

 Undergraduate Student Enrollment Levels

Enrollment Status	Required Units per Term*
Full-time	12 or more credits
Three-quarter time	9 to 11 credit
Half-time	6 to 8 credits
Less than half-time	1 to 5 credits

*Audited classes do not count toward required credits.

Graduate Student Enrollment Levels

Enrollment Status	Master’s Degrees & Certificates	Doctoral Degrees
Full-time	9 or more credits	6 or more credits
Half-time	6 to 8 credits	3 to 5 credits
< Half-time	< 6 credits	< 3 credits

• Audited classes and graduate assistantship placeholder courses (CGSR G90 and G91) do not count toward required aid units. 
• All Maryland Higher Education Commission (MHEC) aid programs require at least 6 units.
• TU policy allows graduate students to receive enrollment level adjustments for thesis or dissertation continuum classes, but students can only receive these adjustments for two terms.

TU Minimum Enrollment Requirements by Aid Program

Aid Programs	Minimum Enrollment
Federal loans and Federal Work-Study	Half-time
TU Admission Scholarships	Full-time (at least 12 units for each fall and spring semester)
Federal Pell Grants* & Federal Supplemental Educational Opportunity Grants	Amounts are prorated based on Full-time, ¾ time, ½ time, or less than half-time enrollment.*
TU Institutional Grant	Amounts are prorated based on Full-time, ¾ time, ½ time, or less than half-time enrollment.*
MHEC Educational Assistance & MHEC Guaranteed Access Grants	You must enroll for at least 12 fall units or at least 12 combined winter Minimester and spring units.  To receive a renewal grant next year, you must also meet MHEC's annual Credit Completion Requirements.

*For Pell Grants to students with EFC’s greater than 3500, some Pell Grant amounts pro-rate to $0 at lower enrollment levels.

• For Maryland state scholarships and grants not listed above, visit MHEC. 
• For MHEC grants and scholarships, also see the Study Abroad Aid restrictions.
• Other scholarships may have enrollment requirements established by the donor or the scholarship coordinator.

Less than Half-time Status

While some aid programs permit less than half-time enrollment, the Cost of Attendance budgets for less than half-time enrollment can only include tuition, fees, books, and transportation, and can't include living expenses. Because your cost of attendance budget will be reduced, we may also have to reduce your aid.

In addition, if you drop below half-time status, your prior educational loans will enter repayment status after a six-month grace period for Federal Direct Student Loans or a nine-month grace period for Perkins Loans.

Enrollment Census Deadlines

We must always evaluate your enrollment level based on your total units as of the term’s financial aid census date, which is always the last day of registrar’s change of schedule period.

• For Pell, Federal Supplemental Educational Opportunity Grants (FSEOG), and institutional grants, if you add a class after the end of this change of schedule period, we must exclude those late units from your grant calculations.
• We will also automatically reduce loans based on your census date enrollment level. However, only for loans, if you add a class late, we can readjust your loans based on the additional late units, but only if you contact the Financial Aid Office to request a loan adjustment based on the late class units.

Restricted Payments for Repeats of Completed Courses

• Federal rules restrict all federal aid payments when students repeat courses that they have already completed.
• If you complete a course with a grade of D or better, and then you repeat that same course again, then you can never receive additional federal aid based on that course.
  
  Example: A student took ENGL 100 twice and earned a D both times. During his 3rd attempt, he retook ENGL 100 and another 3 unit course. During this 3rd attempt, his eligibility for federal aid was based only on the other 3 unit course, and he was not eligible for any federal aid that required more than 3 units.