Rights and responsibilities
You are responsible for keeping your file up to date and notifying us of any changes, especially if they affect your loan eligibility.
We need to updated, for example, of any
- Changes to your personal information
- Changes to your registration (dropped or added courses, program changes, etc.)
- Withdrawal from university
- Award of a degree
- Changes to your financial situation (scholarships, parent contributions, etc.)
You are required to know and act in accordance with Université Laval regulations and policies.
You are required as a recipient of U.S. student loans to continue to make satisfactory academic progress in your program at all times. Failure to do so may result in the suspension of your financial aid.
We assess whether you are making Satisfactory Academic Progress (SAP) before you begin each new academic year. To maintain eligibility for U.S. student loans, you are required to
- Maintain a minimum 2.00 undergraduate or 2.67 graduate-level GPA (out of 4.33)*
- Pass at least 60% of the courses you were registered in during the current academic year. Courses dropped but not failed (transcript grade of “X”) are counted as not passed for this purpose.
*Students in the thesis period of their master’s or doctoral program are also subject to SAP requirements, as assessed by their program director.
See Université Laval’s Regulations (in French) for more information.
You may receive “Subsidized” loans for a period equivalent to one-and-a-half times the normal program length.
|Program length||Sessions of eligibility|
|3-year bachelor’s (6 semesters)||(9 semesters)|
|2-year master’s (4 semesters)||(6 semesters)|
|4-year doctorate (8 semesters)||(12 semesters)|
U.S. Title IV loans are awarded to you on the assumption that you will continue your studies throughout the period they are awarded for. If you withdraw from all your courses, you may not be eligible for the full amount of the loans previously anticipated, regardless of your reasons for withdrawing (including medical causes).
The percentage you will have to return is based on the number of days you took classes relative to the number of course-days that remained. No repayment however is required if you completed over 60% of the semester before withdrawing.
If you withdraw from all your courses before 60% of the semester goes by, you may have to return some of the money you were loaned for the semester. The amount of aid you qualify for will be recalculated based on the time of withdrawal. This applies to the Direct Loan (subsidized or unsubsidized), Parent Plus Loan, and Graduate Plus Loan Programs.
Let us know immediately if you withdraw from your courses so we can figure out what percentage of your student aid you still qualify for and start the process of returning the difference to the U.S. Department of Education. We’ll also notify you of the results and any amount you might owe the University.
Loans must be repaid by the borrower (i.e., the student or parent) as specified in the signed loan agreement (Master Promissory Note).