---
title: Financial Aid Policy Update - Part time Enrollment
description: Please read - information on new rules with loans and part time status (less than 12 credits).
image: https://voice.lifewest.edu/hubfs/Loans%20Concept.%20Word%20on%20Folder%20Register%20of%20Card%20Index.%20Selective%20Focus..jpeg
---

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# Financial Aid Policy Update - Part time Enrollment

![](https://voice.lifewest.edu/hubfs/Loans%20Concept.%20Word%20on%20Folder%20Register%20of%20Card%20Index.%20Selective%20Focus..jpeg)

- September 3, 2026

![Life West](https://voice.lifewest.edu/hubfs/FAVICON-lifewest-social.jpeg)

[Life West](https://voice.lifewest.edu/author/life-west)

An important notice on part time enrollment and student loans.

Effective with **2026-27 loan periods (starting 7/26 and after),** if you drop below full-time status (e.g., taking 9 credits instead of 12), your loan amount will be reduced in direct proportion to those credits, rounded to the nearest percentage point.

A **new federal Schedule of Reductions (SOR) policy** mandates that federal student loans are directly prorated based on your enrollment credits. Dropping below 12 credits triggers a proportional loan reduction, meaning falling to 9 credits ​lowers your loan eligibility by ​25% (9 credits is 75% of 12 credits).

- **Proportional Reductions**: Loans are adjusted in direct correlation to your enrolled credits (rounded to the nearest percentage point) if you drop below full-time status.

 

- **Disbursement:** If you drop credits before funds are disbursed, your loan is reduced right away.

 

- **End-of-Quarter Reviews**: Your enrollment is checked both before disbursement and at the end of the quarter. Dropping classes, withdrawing (W) or (WF), or ceasing attendance (i.e. overcut) can force a recalculation, which ​could reduce your future disbursements. If you have a F grade and actively participated in the class and exams were completed it would not impact you as that would be considered ‘earning’ the F grade. NP grades: if you are active in the course and/or Health Center it is also an ‘earned’ grade.

 

**                              Overall Impact:** You would have less funds available for living expenses.

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