Financial Aid Office
Policies

Enrollment Requirements

Federal and state financial aid programs require students to maintain specific enrollment levels for specific aid programs. Full-time enrollment (12 credits) is required for most scholarships and to receive the full amount on federal grants. The Minnesota State Grant requires 15 credits to receive the full eligibility of the grant. Federal and state loans and work study require at least half-time (6 credits) enrollment.

When determining enrollment levels for financial aid, only undergraduate credits are included for undergraduate students and only graduate credits are included for graduate students.

The following enrollment levels are defined for federal and state financial aid programs. Please keep in mind that the following enrollment levels apply to financial aid as defined by federal and state financial aid regulations. These enrollment levels may be different from academic enrollment levels as defined by the University.

Undergraduate

  • Full-time:12 or more semester credits (Exception: The Minnesota State Grant requires 15 semester credits for a full-time enrollment level)
  • 3/4-time: 9-11 semester credits
  • Half-time: 6-8 semester credits
  • Less than half-time: 5 semester credits or less

Graduate

  • Full-time: 8 or more semester credits
  • 3/4-time: 7 semester credits
  • Half-time: 6 semester credits
  • Less than half-time: 5 semester credits or less

Your financial aid will be directly applied to your bill at St. Cloud State at the beginning of each term based on your enrollment level at that time.

To review enrollment requirements for specific types of financial aid, please to refer to your award letter or specific financial aid programs listed elsewhere on this website. 

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