Adjustments Based on Enrollment

The financial aid cost of attendance (COA) and financial aid awards are estimated based on anticipated full-time enrollment (twelve credit hours or more for undergraduates, nine credit hours or more for graduate students).

  • If a student enrolls less than full-time, their cost of attendance must be adjusted so it will reflect their actual cost instead of full-time costs.
  • Financial aid may also be adjusted.

What Is Considered Half-Time or Full-Time?

Undergraduate Students:

  • 1 to 5 credit hours = less than half-time
  • 6 to 11 credit hours = at least half-time
  • 12 credit hours or more = full-time

Graduate Students:

  • 1 to 3 credit hours = less than half-time
  • 4 to 8 credit hours = at least half-time
  • 9 credit hours or more = full-time

What Will Be Adjusted in the Cost of Attendance?

The following components will be adjusted in the financial aid cost of attendance based on enrolled hours. They will be adjusted to the “cost per credit hour” multiplied by enrolled credit hours.

  • University tuition
  • College tuition
  • University fees
  • Books and supplies
  • Transportation

Personal expenses are only adjusted if a student’s enrollment is below half-time (less than six hours for undergraduates; less than four hours for graduates during fall/spring). If enrollment is above half-time, the personal expenses component of the financial aid COA remains the same. If enrollment is below half-time, personal expenses are adjusted to $0.

Room and meals estimates within the COA are not adjusted, even if a student is only enrolled in one credit hour. They will have full-time room and meals estimates.

What Will Be Adjusted in the Financial Aid?

Financial aid may need to be adjusted to fit within the reduced cost of attendance or reduced financial need. Financial aid cannot exceed a student’s cost of attendance.

In addition, financial aid programs have their own enrollment requirements:

Scholarships:

  • Institutional scholarships require full-time enrollment. Institutional scholarships can only disburse for less than full-time enrollment if the student is in their last semester, in which case it will disburse as long as they are enrolled at least half-time.
  • The PROMISE Scholarship requires full-time enrollment. It can only disburse for less than full-time enrollment if the student is in their last two semesters of eligibility.

Grants:

  • The Federal PELL Grant and the Federal TEACH Grant disburse at a prorated amount per credit hour. For example, a full-time student may receive the full amount, but a student enrolled in six credit hours would receive a reduced amount.
  • The Supplemental Educational Opportunity Grant will not disburse if the student is enrolled less than half-time.
  • The West Virginia Higher Education Grant will not disburse unless a student is enrolled full-time.
  • The Mountaineer Connection Grant will not disburse unless a student is enrolled full-time.
  • The WV HEAPS Grant will only disburse if a student is enrolled less than full-time.

Federal Work-Study:

If a student is enrolled less than half-time, federal work-study must be canceled.

Loans:

  • Federal Subsidized, Unsubsidized, Perkins, Parent PLUS, and Graduate PLUS Loans require at least half-time enrollment to disburse.
  • Private loan enrollment requirements vary by lender. Contact the lender with any questions regarding enrollment requirements for their loans.