Category Archives: Admissions


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  • Phone: (574) 239-8400
  • Fax: (574) 239-8323
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    Holy Cross College
    54515 State Road 933 North
    P.O. Box 308
    Notre Dame, IN 46556

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Holy Cross College Signature Scholarships

Congratulations on being nominated for a Signature Scholarship at Holy Cross College!

To be further considered for a scholarship award:

  1. Complete the Free Application for Federal Student Aid (FAFSA) and have it sent to Holy Cross College. Our Federal School Code is 007263.
  2. Participate in an on-campus Signature Scholarship Interview Day. Parents, family members, and other guests are invited to join you for the Interview Day. There will be special meetings with campus leadership while you are completing your interview(s).

Click a link below to register for an upcoming Interview Day:

    1. Friday, December 8, 2017 (8:30 a.m.-1:00 p.m. ET)
    2. Friday, December 15, 2017 (8:30 a.m.-1:00 p.m. ET)
    3. Friday, February 9, 2018 (8:30 a.m.-1:00 p.m. ET) 
    4. Friday, March 2, 2018 (8:30 a.m.-1:00 p.m. ET)
    5. Friday, April 13, 2018 (8:30 a.m.-1:00 p.m. ET)

If you cannot travel to Holy Cross College to participate in an Interview Day, interviews can be completed on other visit days and phone interviews are also available. To register for an alternate visit day or phone interview, contact your admissions counselor.

Tentative Interview Day Itinerary

Students can depart campus following the interviews but are invited to join us for lunch, mass, and/or a campus tour in the afternoon.

8:30-9:00 a.m. Check-in and continental breakfast
9:00-9:30 a.m. Welcome and overview
9:40-11:00 a.m. Parent and guest meeting with campus leadership
Past participants include: College President, Provost, Dean of Students
9:40-11:00 a.m. Group and individual interviews
11:00-11:50 a.m. Current student panel, Q&A
12:00 p.m.-1:30 p.m. Lunch available at Siegfried Dining Hall
12:25-12:55 p.m. Daily mass at Saint Joseph Chapel (optional)
1:30-2:30 p.m. Campus tour (optional)

Frequently Asked Questions

Q: What is a Signature Scholarship?
A: Signature Scholarships are Holy Cross College’s way of recognizing students who have special gifts to share with our campus community. These students embody talents, passions, and characteristics that will advance the mission of Holy Cross in faith, service, academics, and athletic excellence. Signature Scholarships are different from the Dean’s, President’s, and Trustee Scholarships.

Q: How does the nomination process work?
A: All new first year and transfer applicants are automatically considered for nomination as part of the application review process by the Committee on Admissions. Those applicants selected as nominees will be notified of their status in the admissions packet. The nomination process is highly selective.

Q: How many Signature Scholarships will be awarded?
A: The number of scholarships awarded will vary according to the number of nominations and quality of interviews.

Q: How much is a Signature Scholarship worth?
A: This will vary based on a student’s application for admission and interview. Scholarship awards have typically ranged from $2,500 to $12,000 per year, renewable for up to four years of full-time enrollment.

Q: Am I more likely to receive a Signature Scholarship if I participate in an Interview Day?
A: We prefer all scholarship nominees to visit campus for an in-person interview, but we also understand that schedules and cost of transportation will prevent some nominees from visiting campus. Therefore, all nominees who participate in an interview, whether in-person or by phone, will be similarly considered for a scholarship.

Q: Do I attend Interview Day alone or can I bring guests?
A: Parents and other guests are invited to join you for Interview Day. There will be a special session offered for parents and guests while you are participating in interviews. Guests are invited to have lunch and join the afternoon campus tour. If you attend Interview Day alone, that’s fine, too.

Q: How do I prepare for the interview?
A: Campus interviewers will have reviewed your application for admission, which includes your essays, activities, and leadership history. Be prepared to answer questions about your participation in school, community, and church extracurricular activities as well as the reasons why you think you would be a good fit for Holy Cross College. Interviews will vary in time, but will likely not exceed 30 minutes. On-campus interviews can be individual and/or with small groups of other scholarship nominees.

Q: With whom will I interview?
A: Faculty members, staff, and college leadership will serve as campus interviewers. You will be notified of your interviewer/s before Interview Day.

Q: What do I wear for the interview?
A: Remember that you are trying to impress the campus interviewers before, during, and after your interview. This includes how you dress while visiting campus. Business casual and business professional attire are acceptable.

Q: How are final Signature Scholarship decisions made?
A: A committee made of campus interviewers, admissions counselors, and financial aid staff will determine scholarship award amounts.

Q: Is there a GPA requirement to maintain the scholarship while I am enrolled at Holy Cross College?
A: Yes. André Award winners are expected to maintain a minimum 3.0 cumulative GPA, and Moreau Award winners are expected to maintain a minimum 3.3 cumulative GPA. If your GPA drops below the minimum, your award is subject to being reduced or removed until your GPA meets minimum requirements once more.

Q: For what other reasons could my scholarship award be adjusted?
A: The Office of Financial Aid reserves the right to adjust any Holy Cross College scholarship according to its policies. For example, the award could be adjusted if information is received (new outside scholarships, updated FAFSA, etc.) that requires an updated financial aid award letter. Also, the initial Signature Scholarship award is offered based on your intended housing preference (on-campus or off-campus). Your award is subject to change if your housing preference changes for the upcoming semester or for future semesters.

The Signature Scholarships

Bl. Basil Moreau Award

Basil Moreau, a young priest and professor of Philosophy and Theology in post-revolutionary France, founded the Congregation of Holy Cross when he merged a group of “auxiliary priests” with the Brothers of St. Joseph in 1837. He sent his priests and brothers across France, and indeed the world, to revitalize the Church, educate young people, and make God known, loved, and served. At the direction of Father Moreau, Father Edward Sorin and six Holy Cross Brothers traveled from France to northern Indiana to found the University of Notre Dame in 1842. Today, the Congregation of Holy Cross oversees several colleges across the United States, including Holy Cross College. True to Moreau’s vision, Holy Cross schools around the world adopt a model of Christian education that is holistic, educating the heart and mind. Bl. Basil Moreau was beatified by Pope Benedict in 2007 in Le Mans, France.

To honor Bl. Basil Moreau, this award recognizes students whose academic achievements and zeal for seeking the truth will strengthen the classroom experience for all Holy Cross College students.

St. André Bessette Award

As a Holy Cross Brother, André Bessette lived an exemplary life of faith, hope, and charity. A simple man with little formal education, Br. André was assigned the position of doorkeeper at Notre Dame College in Montreal. Visitors began flocking to Br. André after his ministry to the afflicted and suffering resulted in miraculous healing at the intercession of St. Joseph. Because of his great love for Christ and St. Joseph, he oversaw the construction of the Oratory of St. Joseph, which continues to be a place for prayer, healing, and conversion of heart, not just for the people of Montreal, but also for pilgrims who visit it from all over the world. St. André Bessette, a humble servant of the Church, became the Congregation of Holy Cross’s first saint when he was canonized by Pope Benedict XVI in 2010.

In the spirit of St. André, this award recognizes students whose dedication to faith and service will uniquely strengthen the identity of Holy Cross College as a Catholic institution. St. André Scholars are expected to be active members of the campus community, serving as models of faith and charity, while they themselves are formed as Christians called to holiness.

Portions of biographies taken from

T.J. Mannen

Admissions Counselor
Visit Coordinator
Phone: 574-239-8400


  • Indiana (northwest counties, including Kokomo, Gary, and Michigan City), St. Joseph County public schools

Tuition Payment Plans

Holy Cross College has collaborated with Nelnet and Notre Dame Federal Credit Union (NDFCU) to provide semesterly payment plans for students. Using a payment plan allows students to cover their semester bill by making monthly installments over the semester. Payment plans are only for one semester at a time. A nonrefundable enrollment fee is required to set up a payment plan for each semester. The nonrefundable enrollment fee and the down payment are due at the time the plan is set up.

Sign Up With Nelnet

To sign up for a Nelnet payment plan, click the picture below.

Sign Up With NDFCU

To sign up for a payment plan with Notre Dame Federal Credit Union, click the picture below.

Payment Plans Schedule

Fall 2017 Semester

  • Payment plan registration opens April 10, 2017.
  • Payments are processed on the 5th of each month.


Last Day to Enroll Required Down Payment Number of Payments Months of Payments
May 24, 2017 10% 6 June through November
June 23, 2017 20% 5 July through November
July 27, 2017 30% 4 August through November
August 24, 2017 40% 3 September through November

Spring 2018 Semester

  • Payment plan registration opens October 9, 2017.
  • Payments are processed on the 5th of each month.


Last Day to Enroll Required Down Payment Number of Payments Months of Payments
November 24, 2017 20% 5 December through April
December 26, 2017 30% 4 January through April
January 22, 2018 40% 3 February through April

Fall 2018 Semester

  • Payment plan registration opens April 6, 2018.
  • Payments are processed on the 5th of each month.
Last Day to Enroll Required Down Payment Number of Payments Months of Payments
May 24, 2018 10% 6 June through November
June 23, 2018 20% 5 July through November
July 26, 2018 30% 4 August through November
August 24, 2018 40% 3 September through November

Spring 2019 Semester

  • Payment plan registration opens October 12, 2018.
  • Payments are processed on the 5th of each month.
Last Day to Enroll Required Down Payment Number of Payments Months of Payments
November 24, 2018 20% 5 December through April
December 23, 2018 30% 4 January through April
January 22, 2019 40% 3 February through April


For more information, please contact the Buisness Office located in Driscoll Hall 103.

Dorene Muszer

Tel: (574) 239-8403
Fax: (574) 239-8324

Maureen McDonald
Student Account Representative

Tel: (574) 239-8352
Fax: (574) 239-8324

Welcome Saint Joseph’s College Students!

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Become a Saint: Forever a Puma

Holy Cross College extends an invitation for you to bring your Puma Pride with you to our campus to continue your education. During this difficult time our staff is committed to providing you with the support you need to explore completing your degree with us and graduate on time. As partners in Catholic education, Holy Cross College offers you the ability to stay involved with your faith for life as you continue your holistic education in the tradition of the Congregation of Holy Cross.

You’ll work closely with our Associate Director of Admissions, Adam DeBeck, a 2006 Saint Joseph’s College graduate, to navigate your next steps. Interested Pumas are encouraged to submit their free transfer application to get started.

Welcome SJC Students!

Our Promises

For Pumas Interested in Becoming Saints

Holy Cross is proud to be able to offer the following promises to Saint Joseph’s College students:

  • Freshman Scholarship Consideration: Scholarships that recognize your unique situation to ensure you are treated as if you started your education at Holy Cross. Scholarship amounts range from $6,000 – $16,000 for students based on your cumulative college GPA (see All About Transferring for scholarship details).
  • Generous Transfer Credit Acceptance: Students with above a 2.0 cumulative GPA can be assured if their credits earned counted towards your Saint Joseph’s graduation requirements, Holy Cross will accept them as transfer credits for your Holy Cross bachelor’s degree (pending HLC approval).
  • Core Courses Accepted for HC Equivalencies: Your work in Core I through Core IX will exempt you from comparable Holy Cross core coursework. Students will still have access to enroll in experiential courses that provide opportunities for international travel and professional internships using the Holy Cross College network.
  • Immediate Access to Tri-Campus Community: Holy Cross students are eligible to access the academic, social, and spiritual resources on our neighboring campuses of the University of Notre Dame and Saint Mary’s College.

*These promises require enrollment in one semester of enrollment in at least 12 academic credit hours. Individual circumstances can be reviewed by the Vice President of Academic Affairs, Dr. Justin Watson, or the Registrar, Hiroko Harrison, for personal advising on how Holy Cross can play a part in completing your bachelor’s degree.

Please see the Contact Info section if you have questions for Adam, Hiroko, or Dr. Watson.

These offers are available only to Saint Joseph’s students who apply to begin study at Holy Cross College in the 2017-2018 academic year.

campus and nd from the west

Why Holy Cross?

Why Should You Transfer to Holy Cross?

You’ll always be a Puma, but there’s a place for you at Holy Cross. We’re a small, residential, Catholic campus similar in many ways to Saint Joseph’s College. Like Saint Joseph’s, it’s the people who make Holy Cross unlike most other college campuses. We hope you’ll bring your Puma Pride to Notre Dame, IN, where you’ll find many comparable academic programs, student life clubs, and a focus on holistic, faith-based education.

Students in the fall

Not only will Holy Cross welcome your gifts and talents to our community, but the entire zip code of 46556 – Notre Dame, IN – is excited to have you join students from across the country and world to make our community your new home. Full time students with a Holy Cross student ID will have access to activities on all three campuses including: Notre Dame Season football/basketball ticket purchase opportunity, membership in the University of Notre Dame marching band and/or the HC Dawgpound pep band, vibrant campus ministry programs on all three campuses, and leadership in a variety of clubs and student organizations.

All About Transferring

Apply Now

Let Us Help You!

Acceptance to Holy Cross is contingent upon application via the free transfer application. If you have questions, call Admissions at (574) 239-8400, and an admission representative can help guide you through our expedited transfer process.

There are a number of merit scholarships available for students transferring from Saint Joseph’s College:

Scholarship SJC GPA Annual Award
Driscoll Society Trustee Scholarship 3.5+ $15,000 – $16,000
Driscoll Society Presidential Scholarship 3.0 – 3.49 $14,000
Driscoll Society Scholarship 2.5– 2.99 $12,00 – $13,000
Holy Cross Annual Fund Achievement Award > 2.5 $6,500

Add the Holy Cross College school code to your FAFSA – 007263 for immediate review of your financial aid upon acceptance to Holy Cross.

Saints Athletics

Would You Like To Play Sports at Holy Cross College?

We are always looking to add individuals of high character and athletic ability to our NAIA teams. Our athletic department endorses and supports the college’s mission to transform lives by developing students in mind, body and spirit. We strive for excellence in our programs and focus on athletic success, while encouraging academic achievement, spiritual maturity and social growth.

Contact Saints Athletics to get started.

athletics banner vertical smaller

Learn more about our eight NAIA teams:
Men’s Golf
Women’s Golf
Men’s Soccer
Women’s Soccer
Men’s Basketball
Women’s Basketball


Men’s Tennis
Women’s Tennis

Contact Info

Adam DeBeck, Senior Associate Director of Admissions

Adam DeBeck
Phone: 574-239-8338
Holy Cross College
54515 Indiana State Road 933 N.
P.O. Box 308
Notre Dame, IN 46556

Hiroko Harrison, Registrar

Justin Watson, Ph.D., Vice President for Academic Affairs

Lauryn Luckey

Admissions Counselor
Phone: 574-239-8397


  • Illinois, Iowa, Kansas, Minnesota, Missouri, Nebraska, North Dakota, South Dakota, Wisconsin

Jen Kau

Assistant Director of Admissions
Phone: 574-239-8400


  • Delaware, Maryland, Michigan, New Jersey, New York, Pennsylvania, Virginia, Washington DC, West Virginia, International Students, Transfer Students


  • Bachelor of Arts in Sociology and Film, Television, & Theater; University of Notre Dame – Notre Dame, IN
  • Master of Education in Higher Education Administration; University of Virginia – Charlottesville, VA

Fredericksburg, VA

Endorse an Applicant

Call out to our amazing alumni!

Know a student who would excel as a Saint?

As an alumni or current student, you have the opportunity to endorse the application of a high school senior who is interested in Holy Cross. By completing the form below, you’re telling the admission committee that you support this student’s candidacy.

Tell us what is so special about them, why they’d be a good fit, and why you’re endorsing them by completing the form below. If they are not already on our mailing list, we'll add them and let them know about your endorsement.

Fields marked with an asterisk are required.

Your First Name*

Your Last Name*

Your Graduation Year*

Your Street Address*

Your City*

Your State*

Your Zip Code*

Your Email Address*

Tell us about the student you are endorsing

First Name*

Last Name*

Street Address*



Zip Code*

Phone Number*

Email Address

Year of High School Graduation*

High School


Non-Payment of Tuition

Enrollment constitutes a financial contract between the enrolled student and Holy Cross College. Tuition is due August 1st for the Fall term and January 1st for the Spring term.

If the student has a balance remaining on his/her account by the first day of class, the balance must be paid by the last day of drop/add or the student’s schedule will be dropped and they will be dismissed from the college.

An extension may be granted for the following exceptions:

  • Student was flagged for verification and they have provided all the information that they can to Financial Aid but the verification is not finalized; or
  • Student has applied for a private loan but it has not been disbursed yet. MUST provide documentation or verification to Financial Aid that the loan is approved and being processed; or
  • Parent has applied for the Plus loan and is waiting for approval or denial; or
  • Student has applied for a payment plan through Notre Dame Federal Credit Union and is waiting for verification of the amount and approval from Holy Cross College; or
  • Student committed to attend Holy Cross College after August 1 and makes request for extension of payment arrangements.

Students must request an extension with the Bursar or the Director of Financial Aid no later than the first day of classes.  Extensions are not guaranteed and will be granted at the discretion of the VP of Administration.

Withdrawal and Return of Title IV Funds (R2T4) Policy

How a withdrawal affects financial aid

Federal regulations require Title IV financial aid funds to be awarded under the assumption that a student will attend the institution for the entire period in which federal assistance was awarded. When a student withdraws from all courses for any reason, including medical withdrawals, he/she may no longer be eligible for the full amount of Title IV funds that he/she was originally scheduled to receive. The return of funds is based upon the premise that students earn their financial aid in proportion to the amount of time in which they are enrolled. A pro-rated schedule is used to determine the amount of federal student aid funds he/she will have earned at the time of the withdrawal. Thus, a student who withdraws in the second week of classes has earned less of his/her financial aid than a student who withdraws in the seventh week. Once 60% of the semester is completed, a student is considered to have earned all of his/her financial aid and will not be required to return any funds.

Federal law requires schools to calculate how much federal financial aid a student has earned if that student:

  • completely withdraws or
  • stops attending before completing the semester

Based on this calculation, Holy Cross College students who receive federal financial aid and do not complete their classes during a semester or term could be responsible for repaying a portion of the aid they received.

The following policies will help you to understand that a withdrawal potentially affects students academically as well as financially. We encourage students to read all the information below prior to making a final decision.

How the earned financial aid is calculated

Students who receive federal financial aid must “earn” the aid they receive by staying enrolled in classes. The amount of federal financial aid assistance the student earns is on a pro-rated basis. Students who withdraw or do not complete all registered classes during the semester may be required to return some of the financial aid they were awarded.

Institutions are required to determine the percentage of Title IV aid “earned” by the student and to return the unearned portion to the appropriate aid programs. The school must return the funds within 45 days of the calculation.

For example, if a student completes 30% of the payment period, they earn 30% of the aid they were originally scheduled to receive. This means that 70% of the scheduled awards remain “unearned” and must be returned to the federal government. Once 60% of the semester is completed, a student is considered to have earned all of his/her financial aid and will not be required to return any federal funds.

The following formula is used to determine the percentage of unearned aid that has to be returned to the federal government:

  • The percent earned is equal to the number of calendar days completed up to the withdrawal date, divided by the total calendar days in the payment period (less any scheduled breaks that are at least 5 days long).
  • The payment period is the entire semester.
  • The percent unearned is equal to 100% minus the percent earned.

Steps in the return of Title IV funds policy

Step 1: Student’s Title IV information

The financial aid office will determine:

  1. The total amount of Title IV aid disbursed for the semester in which the student withdrew. A student’s Title IV aid is counted as aid disbursed in the calculation if it has been applied to the student’s account on or before the date the student withdrew.
  1. The total amount of Title IV aid disbursed plus the Title IV aid that could have been disbursed for the semester in which the student withdrew.

Step 2: Percentage of Title IV aid earned

The financial aid office will calculate the percentage of Title IV aid earned as follows:

The number of calendar days completed by the student divided by the total number of calendar days in the semester in which the student withdrew. The total number of calendar days in a semester shall exclude any scheduled breaks of more than five days.

Days Attended ÷ Days in Enrollment Period = Percentage Completed

If the calculated percentage completed exceeds 60%, then the student has “earned” all the Title IV aid for the enrollment period.

Step 3: Amount of Title IV aid earned by the student

The financial aid office will calculate the amount of Title IV aid earned as follows:

The percentage of Title IV aid earned (Step 2) multiplied by the total amount of Title IV aid disbursed or that could have been disbursed for the term in which the student withdrew (Step 1-A). Total Aid Disbursed x Percentage Completed = Earned Aid

Step 4: Amount of Title IV aid to be disbursed or returned

  • If the aid already disbursed equals the earned aid, no further action is required.
  • If the aid already disbursed is greater than the earned aid, the difference must be returned to the appropriate Title IV aid program.

Total Disbursed Aid Earned Aid = Unearned Aid to be Returned

  • If the aid already disbursed is less than the earned aid, then the financial aid office will calculate a post-withdrawal disbursement.

Determination of the withdrawal date

The withdrawal date used in the return calculation of a student’s federal financial aid is determined by the registrar. If a student stops attending classes without notifying the college, the withdrawal date will be the last date of academic activity determined by Holy Cross. Additional documentation supporting the last date of academic activity may be provided by the student if they verify a later date of attendance than determined by Holy Cross.

Withdrawing prior to completing 60% of a term

Unless a student completes 60% of the term in which federal aid was disbursed, the student will be required to return all or part of the financial aid disbursed in the term. This applies to students who have officially (including medical), or unofficially withdrawn.

When a student fails to begin attendance

If a student receives financial aid, but never attends classes, the financial aid office must return all disbursed funds to the respective federal and institutional aid programs.

When a student fails to earn a passing grade in any class

If the student has not completely withdrawn but has failed to earn a passing grade in at least one class for the term, federal regulations require the school to determine whether the student established eligibility for financial aid. Eligibility is based on if the student attended at least one class or participated in any Holy Cross College academic-related activity. All disbursed funds must be returned to the respective federal and institutional aid programs if the student cannot prove that he/she began attendance.

If the student can prove to have participated in a Holy Cross class or academic-related activity past the 60% date, the student will not be required to return any disbursed financial aid. The student’s bursar account will be updated and the student will be responsible for any other charges that may have been applied to their account.

Students who are able to verify attendance beyond Holy Cross’s records may submit supporting documentation to the financial aid office. The student must submit supporting documentation within 30 days from the last date of the term. Recalculations for aid eligibility will not be performed for documentation received after that date.

Student notification of repayment

A notification letter outlining the amount returned to the federal and institutional program(s) along with the federal government’s repayment worksheet will be mailed to the student’s permanent address. Holy Cross will return funds on the student’s behalf to the appropriate federal and institutional aid program(s) and subsequently will bill the student’s account. A statement reflecting these charges will be sent to the student. The student is responsible for all charges and overpayments resulting from a Return of Title IV calculation.

Repayment to federal and institutional aid programs

Federal regulations and Institutional policy require that the following aid programs be subject to the repayment calculation if the student did not attend 60% of the term:

  • Federal Direct Loans: Unsubsidized and Subsidized
  • Federal Perkins Loans
  • Federal Direct Parent PLUS Loans
  • Federal Pell Grant
  • Federal Supplemental Educational Opportunity Grant (FSEOG)
  • TEACH Grant
  • Institutional Grants and Scholarships

Overpayment of federal grant funds

Federal regulations provide that 50% of the unearned amount of all federal grants is protected by the federal calculation. Any grant amount subject to repayment will be billed to the student’s bursar account as an overpayment. Upon receipt of payment from the student, Holy Cross will return the funds to the appropriate grant program(s).

Additional loan information to consider when withdrawing from any class

Anytime a student is enrolled less than part-time the grace period begins. The student’s grace period for loan repayments for Federal Direct Unsubsidized and Subsidized Loans will begin on the day of the withdrawal from the school. If the student is not enrolled part-time for more than 6 months, the loans will go into repayment. The student must contact the U.S. Department of Education (ED) or his/ her lender(s) to make payment arrangements. Any questions regarding a student’s grace period or repayment status should be directed to his/her lender.

School and student responsibility for return of unearned federal funds

The student and the school are both responsible for returning unearned federal financial aid to the federal government. The student will be billed for any amount due as a result of the return of federal aid funds (R2T4) calculation.

Consequences of non-repayment

If a student does not repay the grant funds that are owed to the government within 45 days, the account will be turned over to the U.S. Department of Education (ED) as an overpayment of federal funds. Students who owe an overpayment of Title IV funds are ineligible for further disbursements from federal financial aid programs at any institution until the overpayment is paid in full or payment arrangements are made with the U.S. Department of Education.

If a student does not pay funds due to Holy Cross to cover their balance, the student’s records will be placed on financial hold. This means he/she will not be permitted to register for classes or receive transcripts until the balance is paid.

School responsibilities in regard to the R2T4 policy & process
(Holy Cross College’s responsibilities in regard to the Return of Title IV funds)

  1. Providing each student with the information given in this policy;
  2. Identifying students affected by this policy and completing the Return of Title IV Funds (R2T4) calculation;
  3. Informing the student of the result of the R2T4 calculation and any balance owed to Holy Cross as a result of a required return of funds;
  4. Returning any unearned Title IV aid that is due to the Title IV programs and, if applicable, notifying the borrower’s holder of federal loan funds of the student’s withdrawal date;
  5. Notifying student and/or Plus borrower of eligibility for a Post-Withdraw Disbursement, if applicable.


Satisfactory Academic Progress Policy

Federal regulations require colleges to establish and apply reasonable standards of satisfactory academic progress (SAP) for the purpose of the receipt of financial assistance under the programs authorized by Title IV of the Higher Education Act.  Each institution must design criteria which outlines the definition of student progress towards a degree and the consequences to the student if progress is not achieved.  Holy Cross College students who wish to be considered for financial aid must maintain satisfactory progress in their selected course of study as set forth in this policy.

The Holy Cross College SAP policy is applied consistently for all Holy Cross students, regardless of their receipt of federal or state aid, at the end of each payment period. Holy Cross is a semester school and offers classes during three periods of enrollment per year: fall, spring and summer. The financial aid office runs the SAP process after grades have been posted for the semester so students can be contacted with the results of the process prior to the beginning of the next semester.  In order to achieve satisfactory academic progress, a student needs to meet GPA, Timeframe, and Pace Requirements, which are explained below.

GPA Requirement

Holy Cross College requires that all students achieve a 2.0 GPA each semester and maintain at least a cumulative 2.0 GPA to meet GPA standards for SAP.

Please note that the cumulative GPA includes all developmental courses and courses dropped after the 100% refund period. Transfer hours from other institutions are excluded.  All incompletes (I’s), Withdrawals (Ws), Credit/No Credit, Pass/No Pass courses are included in GPA calculation.  However, the new grade for repeated course replaces the old grade in the GPA calculation.

Timeframe Requirement

All students must complete their degree within 150% of the credit hours required for their officially-declared degree (150% rule). The average timeframe to complete a degree at Holy Cross College is 120 credit hours, making the 150% maximum timeframe 180 “attempted” credit hours.

The credit-hour maximum will consider all Holy Cross College credit hours and transfer hours from other institutions. All Holy Cross credit hours are considered even if federal and state aid was not received during some semesters.

Pace Requirement

Students must satisfactorily complete at least 67% of their overall cumulative attempted credits or they need to successfully complete 10 credit hours each semester (whichever is higher) hours to meet the pace requirement for SAP.

The total number of attempted credit hours for each semester is multiplied by 67%, depending on the student’s cumulative credit hours attempted. This number represents the minimum number of credit hours the student must complete that semester.

Example: A new student who begins fall semester with 15 credit hours must complete a minimum of 10 credit hours that semester.

15 credit hours X .67 (67) = 10.0 credit hours. If a student is enrolled for

12 credits, he or she is not allowed to drop below 10 credits at the end of a term. If he or she does, they will be on financial aid probation.

Please note that all incompletes (I’s), Withdrawals (Ws), Credit/No Credit, Pass/No Pass courses are included in pace calculations.  To complete credit hours means to receive a grade of A, B, C, D or F. Grades of I, FA, U, and W are considered non-progress grades and may cause financial aid ineligibility. Transfer hours from other institutions are excluded.

Remedial Credit Limitation

No student may receive financial aid for more than 12 credits (four three credit hour courses) of remedial coursework taken at Holy Cross College.  Remedial courses are defined as all courses under the 100 level, except ESL courses.  Once a student has attempted 12 or more remedial credits, he /she will have only college level courses funded, assuming all other aspects of SAP are being met.

Repeating Courses

Students can only repeat completed courses one time and still have the course covered by Title IV funding.  Students wanting to improve grade point averages, or obtain a better grade for transferability, may be required to pay for those courses out of pocket.  All repeated courses do affect financial aid satisfactory academic progress calculations. A repeated course along with the original attempt must be counted as attempted credits, therefore, applies toward the 150% timeframe requirement.

 Warning and Ineligible Status

When the SAP process is ran at the end of each semester, new students who are not meeting SAP standards for the term or returning students who are not meeting SAP standards for the first time are placed in “Warning” status. Financial aid eligible students in “Warning” status will still be eligible for state and Title IV federal funding for one more term.
If a student in “Warning” status is still not meeting SAP standards at the end of the next term, he/she will then become financial aid “Ineligible” and will be ineligible for federal aid, state aid, and some institutionally-based aid.

Notifications to students regarding SAP results and decisions will be sent via US mail, email (in some cases) and information is available on students’ portal accounts in real time. Please note that students who have reached the maximum allowable credit hours will not receive a warning and will be deemed ineligible for financial aid regardless of any prior SAP status.

Appealing a SAP decision

A financial aid “Warning” is not appealable. Once a student has become financial aid “Ineligible” there are two ways this student can become eligible for financial aid again. They are:

  1. A student can appeal their financial aid status by completing an appeal form, which includes a letter explaining the circumstances responsible for his/her poor academic performance, supporting documentation of the circumstances, and a documented, measurable, plan of study to correct the poor academic performance. The appeal must also describe what has changed in the student’s life regarding the situation so the student can be successful when SAP is run again.
  1. Attend school AT THEIR OWN EXPENSE until they again meet SAP standards.

The financial aid appeal committee will review cases on an individual basis and will notify the student of their decision via mail or email within fifteen days.

If a student appeals an “Ineligible” status and is approved, he/she will then be placed on financial aid “Probation.” The student’s status and adherence to his/her academic plan will be reviewed after SAP has been run each term. The student will be eligible to receive financial aid in “Probation” status.

If the student successfully completes the semester’s academic plan by completing and passing ALL attempted credit hours but does not yet meet standard, their “Probation” status will be continued when an updated academic plan is submitted and accepted by the financial aid office.

If the student does not complete the semester’s academic plan, he/she will then become ineligible for federal and state funding AND will be unable to file another appeal to receive aid. Re-establishing eligibility can only be accomplished by attending another institution and transferring in successful credit hour completions (in the PACE situation), or paying tuition at Holy Cross College until they meet SAP standards again.  Once the student meets standard, their “Probation” status will end and they will be restored to “Satisfactory” status.

Appealable circumstances include but are not limited to: the death of a student’s family member, serious illness or injury of the student or other serious, unavoidable, DOCUMENTED, circumstances. Acceptable “supporting documentation” may include: letters from student’s clergy, high school officials or medical professionals, copies of bills or statements from medical providers, or any CREDIBLE source involved in the special circumstance.

Major/Degree Requirements

A student receiving financial aid can only officially declare one degree at a time. Students pursuing a second degree must submit a degree completion plan signed by the student as well as the academic advisor for their degree program. The plan must indicate the courses required as well as the timeframe to complete the additional degree. If the student has attempted the maximum number of semesters or if their degree completion plan will cause them to exceed that limit, they may be denied financial aid.

For students who change decide to change their academic majors, any credits or grades that do not count toward the new major will not be included in SAP calculations.