Will dropping a course with lab affect my FAFSA aid or require repayment?
I'm in a really tough spot with my Chemistry 201 class this semester. It has a 3-hour lab component that I'm completely bombing (like 43% average on lab reports). I've already received my full Pell Grant disbursement for Fall 2025 ($3875), but at this point I'm almost certain I'm going to fail unless some miracle happens. My university's drop deadline is next Friday and I don't know what to do. If I drop this 4-credit class, will I fall below full-time status and have to pay back part of my FAFSA aid? Or should I just stick it out and possibly fail, which might affect my SAP for future aid? My academic advisor is out on medical leave and the financial aid office has a 2-week wait for appointments. I'm seriously stressing about this!
16 comments


Yuki Watanabe
drop it!!! I failed ochem last yr and FAFSA put me on warning. not worth it trust me
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Ethan Campbell
•Did you have to pay anything back when you failed? My main worry is having to return money I've already spent on rent...
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Carmen Sanchez
This really depends on how many credits you're currently taking and your school's definition of full-time status. Most universities require 12 credits to maintain full-time status for financial aid purposes. If dropping this 4-credit course puts you below that threshold, you could be required to return a portion of your Pell Grant funds. Before making a decision, you should: 1. Check your current credit load and what you'd have after dropping 2. Look at your school's Satisfactory Academic Progress (SAP) policy - failing might put you on financial aid warning for future semesters 3. Consider if a withdrawal (W) on your transcript is better than an F for your GPA Some schools have a financial aid calculator on their website that can estimate repayment amounts if you drop below full-time.
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Ethan Campbell
•I'm taking 14 credits now, so dropping would put me at 10 credits. That's definitely below the 12 credit full-time requirement. Does anyone know how much I'd have to pay back? Is it prorated or would I lose the whole grant?
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Andre Dupont
If you drop below full-time status (12 credits), you'll generally need to repay a portion of your Pell Grant. The calculation is based on the percentage of the semester you completed. The formula is something like: (Number of days attended ÷ Total days in semester) × Total aid = Aid you can keep For example, if you've completed 60% of the semester, you might get to keep 60% of your aid. But you'd need to return the other 40%. However, there's an important threshold: if you've completed more than 60% of the term before dropping, you often don't have to repay anything. Check exactly where you are in the semester timeline.
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Zoe Papadakis
•This isn't totally accurate... the R2T4 calculation is complicated and depends on your school's policy. I dropped below full-time last year and had to pay back $1782 even though I was 65% through the semester. Every school implements this differently so check with YOUR financial aid office!!
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ThunderBolt7
Have you looked into getting an incomplete instead of dropping? Some professors will let you take an 'I' grade if you've been attending regularly and have a legitimate reason you can't complete on time. Then you finish the coursework next semester without re-enrolling. This might help you maintain your credit load for FAFSA purposes while giving you more time to pass the class.
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Ethan Campbell
•I didn't even think about that option! Do you know if an incomplete affects my SAP for next semester's FAFSA? I'll try to talk to my professor tomorrow about this possibility.
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Jamal Edwards
I was in this EXACT situation with my physics class last semester!!! Soooo frustrating. I ended up staying in and barely passed with a D- but it was the most stressful thing ever. If I could go back I would have just dropped it and dealt with paying back some money. Your mental health is worth something too!!
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Mei Chen
UGH the financial aid office's 2-week wait is ridiculous when you have a deadline coming up! I've been dealing with similar issues trying to reach someone at Federal Student Aid about my verification process. After several failed attempts, I stumbled upon this service called Claimyr that got me through to an actual FSA agent in less than 10 minutes! It might work for reaching your school's financial aid office too. You can check out how it works at claimyr.com or see their demo at https://youtu.be/TbC8dZQWYNQ Seriously, when you need answers about your aid before a deadline, waiting weeks isn't an option.
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Ethan Campbell
•I'll check that out! Anything that helps me talk to a real person before Friday would be amazing.
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Carmen Sanchez
One other option to consider: see if your school offers any mid-semester mini-courses (sometimes called "late start" courses) that you could add to maintain your 12-credit full-time status even if you drop the lab class. Many universities offer these 1-2 credit condensed courses that start halfway through the term specifically for students in your situation. Worth asking your registrar about!
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Andre Dupont
If dropping puts you at 10 credits, you'll definitely need to return some funds since that's below the 12-credit full-time threshold for FAFSA. The exact amount depends on your school's calculation method, but expect to repay roughly 1/3 of your Pell Grant since you're dropping about 1/3 of your credits (4 out of 14). However, before you make any decision, there are two critical things to consider: 1. Failing the course could impact your Satisfactory Academic Progress (SAP), potentially jeopardizing ALL of your future financial aid 2. Some schools have a "first-time FAFSA warning" policy where they'll give you one semester to get back on track if you fail to maintain SAP Have you tried looking up your school's specific R2T4 (Return to Title IV) policy on their financial aid website? That should give you exact repayment information for your situation.
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Ethan Campbell
•I finally got through to someone in financial aid! You were right - I would need to repay about $1240 of my Pell Grant if I drop. I'm going to talk to my professor about the incomplete option first, and if that doesn't work, I think I'll just have to drop and figure out the repayment. Better than risking all my future aid with an F. Thanks everyone for your help!
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Mae Bennett
So glad you were able to get through to financial aid and get a concrete number! $1240 is definitely a significant amount, but you're absolutely right that it's better than risking your future aid eligibility. The incomplete option sounds like it could be a perfect middle ground if your professor is willing to work with you. Just a heads up - if you do end up having to repay, most schools will set up a payment plan rather than expecting the full amount immediately. And since you're making this decision strategically (rather than just disappearing from class), it shows you're being responsible about your academics and finances. Keep us updated on how the conversation with your professor goes! Rooting for you to find a solution that works.
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Jeremiah Brown
•This is such great advice! I'm dealing with a similar situation in my biology class and have been so worried about the financial implications. It's really helpful to know that schools usually offer payment plans for repayment rather than demanding everything upfront. That makes the whole situation feel less overwhelming. @Ethan Campbell - definitely keep us posted on what your professor says about the incomplete option. That could be a game-changer for situations like this!
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