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Course Program of Study (CPOS)

Maximize your financial aid by focusing on courses that are required for your degree

Defining Course Program of Study (CPOS)

What is CPOS?

Course Program of Study (CPOS) is the process that is run to identify courses within a student's program of study (major). Courses that do not apply towards a student's program of study will be ineligible for financial aid. Ignoring this could impact the student's full-time status and result in a reduction in financial funding.

Why is this process run?

The U.S. Department of Education (ED) regulations require that a student must be enrolled in a degree-seeking program to receive federal financial aid (Pell Grant, FSEOG Grant, Federal Direct Loans, and Federal Work Study). Federal financial aid will only be disbursed for courses in a student's program of study.

How does a student receive all federal financial aid offered?

To avoid a reduction in federal financial aid, do not take unnecessary courses. Sticking to the CPOS will ensure that all federal aid eligibility will be disbursed.

When will this go into effect?

ABAC will implement the Course Program of Study process beginning Fall 2026.

Tips to Maximize Your Federal Financial Aid with CPOS

  • Enroll in courses needed for your major. To receive a full federal financial aid award, your coursework must include a minimum of twelve (12) credit hours per semester. If a student's credit hours do not meet this requirement, federal financial aid eligibility is reduced.
  • Know your program of study. Federal financial aid only pays for courses that are in your declared major. Be sure to check DegreeWorks to ensure your major is listed correctly. Courses can only be determined to be eligible based on the officially declared major as noted on your record.
  • Follow the timeline to change your major. If you plan to change your major, it is important to make that change prior to the beginning of the semester. If you anticipate enrolling into a special admissions program, your major cannot reflect this program until after you are admitted.
  • Act early. If your federal financial aid has been reduced due to enrollment in courses that do not count, contact your academic advisor immediately for assistance.

Examples:

Example Table of Hours for CPOS

Sample Student Scenarios

I'm enrolled in 12 credit hours, but three of those hours don't count toward my degree program. How does that affect my federal financial aid? 

If nine of your credit hours apply to your officially declared program of study, you are considered 3/4 time for federal financial aid purposes. Federal financial aid will be awarded based on the nine eligible credit hours. Your Federal Pell Grant and Direct Subsidized/Unsubsidized Loans will prorate accordingly. You will still be billed as a full-time student, but your total federal financial aid cannot exceed the 3/4 time cost of attendance.  

I'm participating in a 6-hour study abroad program this semester, but three of those hours don't count toward my degree. Will my federal financial aid still apply?

Yes, but only for the three credit hours that apply to your degree program. Federal financial aid will be based on your less-than-half-time enrollment status. If eligible, you may receive a prorated Federal Pell Grant but you will not be eligible for Direct Subsidized/Unsubsidized Student Loans. Note that your financial aid will not cover the ineligible three-hour course, and you will need to account for any additional charges.  

Scenario 3

For the upcoming semester, I plan to enroll in 17 hours, which includes a three-hour class that does not apply toward my degree program. Will financial aid pay for the ineligible three-hour class? 

You're considered full-time for federal financial aid if at least 12 of your credits apply to your degree. If eligible, full-time Pell Grants and federal loans can disburse. If you wish to use excess aid to pay for the ineligible course, you will need to complete your Title IV authorization on the Banner Student Landing Page. 

CPOS FAQ