Satisfactory Academic Progress (SAP) Policy

In order to maintain financial aid eligibility, a student must make Satisfactory Academic Progress (SAP) toward obtaining a degree. Satisfactory Academic Progress will be monitored for all periods of enrollment whether or not student have received financial aid. SUM policy requires that a student's reach a GPA of 2.0 by the mid-point of the student's degree program. In addition to this requirement, the student must average a complete rate of 66.7 percent and not exceed the maximum time frame of the program.

Minimum Standard Requirements

Qualitative Measure (Cumulative GPA)

A student must achieve a 2.0 GPA (equivalent to a C average) by the mid-point of the program and must maintain this level throughout the rest of the program. (Refer to SAP Chart)

Quantitative Measure (Credit Hour Progression)

A Student must average a 66.7% completion rate of credit hours attempted each semester to remain on track. Credit hour progression will be based on a cumulative total of attempted hours to earned hours. (Refer to SAP Chart)

Maximum Timeframe to Complete a Degree (Pace)

The maximum allowable timeframe for receiving aid is equal to 150% of the length of your academic program. An undergraduate degree in Biblical Studies requires 139 credits for completion therefore your maximum timeframe will be at 208 credits attempted. A student can repeat a course, if eligible, however the credits will be applied toward the maximum timeframe.
A transfer student's credits will be counted in the maximum timeframe.
Required remedial coursework will not be counted toward your maximum time frame.

SAP Status

Financial Aid Warning

Students who have not met the minimum requirements for the previous trimester will be placed on a "warning" status. A student who does not meet the minimum requirements by the end of their warning trimester will be placed on Financial Aid Probation for the next term.

Financial Aid Suspension

After being placed on warning, a student who has not met the minimum requirements at the end of the warning trimester will be placed on financial aid suspension and therefore disqualified from receiving future financial aid. A student may appeal the financial aid suspension. A successful appeal must detail the reasons for the academic deficiency and what has changed to make them believe that they can now succeed. Submitting an appeal does not guarantee approval. A student awaiting a response must pay tuition and fees by the beginning of the trimester as specified in the college catalog.

Suspension Appeal Process

A student can appeal the disqualification from financial aid by completing a Satisfactory Academic Progress Appeal. The appeal form is available under the Academic Forms section on the SUM website A student, in conjunction with the academic advisor or cohort advisor, must submit a detailed plan outlining the student's action plan to return to eligibility and a timeframe in which this will be accomplished. A student should provide an explanation of any extenuating circumstances that prevented the student from maintaining satisfactory academic progress throughout the disqualifying trimester. Supporting documentation regarding the conditions for the appeal will be reviewed by the Satisfactory Academic Progress Committee. No appeal will be considered if any documentation is missing or incomplete and the student will not be eligible for further aid.

After the appeal is reviewed by the Satisfactory Academic Progress committee, the student will be notified of the decision by email or mail. The review time for appeals may take 1-2 weeks. At any point if a student fails to meet the criteria outlined in the plan it will be considered void and the student will not be eligible for aid for subsequent terms until they have met the point in the plan that would allow them to continue.

The appeals committee's decision is final however any questions regarding the process should be directed to the Academic Dean’s office at 510-567-6125 ext.101


If a student does not submit an appeal but maintains satisfactory academic progress without financial aid for one term, the student may be eligible for reinstatement of financial aid upon achieving Satisfactory Academic Progress chart standards and executing the plan developed by the academic committee. After a student has completed the reinstatement requirements, a student must notify the Financial Aid office in writing of their reinstatement at with accompanying documentation of the reinstatement to: SUM Bible College and Theological Seminary, Attn: Financial Aid, 1107 Investment Plaza, Suite 290, El Dorado Hills, CA 95762 or via email at

SAP Chart

A student must achieve a 2.0 GPA (equivalent to a C average) by the mid-point of the program and must maintain this level throughout the rest of the program. Students who stay above the standard of this SAP Chart are eligible for financial aid.

Credits Attempted 10 20 30 40 50 60 70 80 90 100 110 120 130 140 150 160 170 180 190 200 202
Credits Earned 5 10.2 15.6 21.2 27 33 39.2 45.6 52.2 59 66 73.2 80.6 88.2 96 104 112.2 120.6 129.1 137.6 139.3
Required Cumulative GPA 0.60 0.80 1.00 1.20 1.40 1.50 1.60 1.70 1.80 1.90 2.00 2.00 2.00 2.00 2.00 2.00 2.00 2.00 2.00 2.00 2.00
Required Completion Ratio 50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 67.9 68.8 69.6

GPA Calculator

To determine what GPA you must earn in the next term, feel free to use this GPA Calculator.