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Expected Time to Credential

Institutional Settings
Set once for your institution. These are remembered in this browser; everything below is entered per student.
Confirm these match your institution before running determinations. Every figure the tool produces depends on the full-time academic year defined below.
A header summer belongs to award year 2026–27, but the new limits attach to the period of instruction. A summer beginning before July 1, 2026 stays under the prior rules and is not part of the window (ED Office Hours, June 8, 2026).
Academic year definition — 34 CFR § 668.3
Include summer in the term count only if summer credits are part of your academic year definition. Where summer is optional, the definition typically excludes them (ED Office Hours, May 28, 2026).
Careers offered by this institution
Enrollment definitions
Worked examples using this school’s own academic year definitions. Selecting one fills the fields and explains the result; institutional settings are never changed.
Student Record
Program Details Program as of 6/30/26, full-time
      yrs
      Academic years
      =—
      Initial Eligibility Status as of June 30, 2026
      Use last status reported to NSLDS, including any withdrawals.
      Program Time Completed Through June 30, 2026
      cr
      Academic years
      =—
      Maintaining Eligibility Enrollment on or after July 1, 2026
      Terms before this one keep the exception.
      Leave terms are shown but do not draw down the window (IE-Q3).
          COD is the system of record for the loan limit exception, but it does not check program length against completed time — the school is responsible for that (IE-Q7, IE-Q19). The less-than-half-time schedule of reductions under § 685.203(m) is a separate calculation and applies to these borrowers too (IE-Q22).
          Guidance current through the FSA Loan Limits FAQ (May 20, 2026), ED Virtual Office Hours through August 6, 2026, and the ED webinar of August 12, 2026.
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          —
          Terms beginning on or after July 1, 2026
          TermCumulative AYLoan limits that apply

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