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If you're a new undergraduate student, you get 4 total disbursements during your first year of study, in 2 payments each semester. Massey will apply your federal funds to a quarter of your tuition fees each time before giving you your living allowance.

From your second year onwards, you are a returning student. You get 1 disbursement each semester for the remainder of your degree. Massey will apply your federal funds to half your tuition fees each time before passing on your living allowance.

Massey pays your living allowance into your New Zealand bank account. Around 4 weeks before each disbursement, Massey emails asking you to confirm you:

• are eligible
• want the disbursement.

If you don't reply 'yes' by the deadline, your disbursement may be delayed. You can also cancel all or part of your future disbursements.

Massey will check that you're making satisfactory academic progress in your degree. SAP is at least a C grade average, which is about the same as a Grade Point Average (GPA) of at least 2.0. You need to reach this minimum level by the end of your second year.

Massey checks your grades at the end of each semester and before each disbursement.

If you're a:

• first-year undergraduate student, Massey first checks your grades at the end of your second semester
• doctoral student, Massey will ask your supervisor to confirm that you are meeting the milestones set by the Graduate Research School.

Read the full US Federal Student Aid Satisfactory Academic Progress Policy (PDF, 35 KB)

If you have a direct subsidised loan, you need to complete your degree within the 'maximum eligibility period'.

The maximum eligibility period is 150% of the published length of your degree. For example, if the official description of your degree states it usually takes 3 years of full-time study, you can get financial aid for 3 years plus 1.5 years. In total, you can get financial aid for 4.5 years.

You need to count any previous study time in your maximum eligibility period. This includes changing your undergraduate degree and transferring cross-credits.

If your degree takes longer than the maximum eligibility period, your financial aid is suspended.

If you do not meet SAP for 1 semester, you receive a financial aid warning that lasts for the next semester.

You may get your financial aid disbursements during the next semester.

If you do not meet the SAP condition for 2 semesters in a row, you are put on probation for the next semester. Being on probation means you do not:

• qualify for financial aid
• get disbursements.

You can appeal against your probation.

You're automatically put on financial aid suspension for the next semester if you:

• choose not to appeal
• continue to not meet the SAP condition.

If you start meeting SAP requirements by the end of any semester, your financial aid will start again.

You are placed on suspension if you:

• lose your appeal against financial aid probation
• exceed the maximum eligibility period to complete your degree.

You do not get any financial aid disbursements during suspension.

Suspension is permanent unless you appeal or start meeting SAP requirements.

If you want to stop your studies, follow the formal withdrawal process.

Even if you don't follow the withdrawal process, you can be classed as Informally Withdrawing. We consider you to have informally withdrawn if you have not been attending university.

'Not attending university' means you have not done 1 of the following activities:

• Submitted assignments or taken exams.
• Taken part in learning sessions or other academic activity – for example, lectures, labs and tutorials, online activities, specified study groups and meetings with an academic member of the university.
• Returned from an approved leave of absence.

This includes not attending because you:

• are ill
• have been in an accident
• have suffered grievous personal loss – for example, bereavement or serious illness of an immediate family member or close friend.

This is the date:

• you start the withdrawal process or tell us you are going to start it
• of your last recorded attendance at university if you have not formally withdrawn
• you drop below half-time study
• you may need to start repaying your federal loans –

We use your withdrawal date to work out:

• if you need to refund some or all of your loan disbursements to the US Department of Education – 'Return of Title IV' funds
• how much a refund is
• if you're owed any money.

If Massey does not have a record of your last attendance, you need to provide proof of the date you last attended university. Otherwise, Massey may use the date of the:

• mid-point of the semester, if you're enrolled for 1 semester
• break between semesters, if you're enrolled for 2 semesters.

If you have completed less than 60% of the semester in which you withdraw, Massey needs to repay the US Department of Education. In that case, you may need to pay Massey for tuition fees and other costs.