Southeastern Louisiana University Office of Financial Aid โ 2026-27 Award Year Paths
Student Profile
Planned Credit Hours
Full-Time Annual Base Max
$0
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Your Scaled Maximum Eligibility
$0
Based on credit load
Estimated Term Schedule for Release of Funds
Calculated tracking targets cross-distributed based on active enrollment parameters.
Academic Term
Credit Load
Subsidized Loan
Unsubsidized Loan
Term Total
Total Yearly Allocation
0 hrs
$0
$0
$0
๐ก How it works: Annual maximum student loan limits automatically scale proportionally to mirror your planned enrollment paths. Taking a lighter term load limits total potential annual limits but distributes remaining available paths across active sessions.
๐ Enrollment Change Advisor
Considering adjustments to your schedule? Toggle on to simulate the impact.
Federal Direct Loan SOR & Proration Simulator
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Direct Loan SOR & Proration Tool
34 CFR 685.203 & 685.301 Regulation Suite (OBBBA 2026)
Award Year 2026/2027 Active
Baseline Year Max
$0
Sub: $0 / Unsub: $0
SOR Max Limit
$0
0% Intensity
AY Base Denominator
24 Credits
FT Setup: 12 cr / term
Total Local Scheduled
$0
Fully Eligible
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Student Profile
Parameters establish baseline grade limits
Full-Time: 12.0 crHalf-Time: 6.0 cr
Custom Grad Thresholds
cr
cr
Direct Loan Parameters
Values pre-populate; modify to apply overrides
$
$
Summer Status
Summer Placement
Grad Summer Requirements
assignment
Scheduled Term Disbursements Ledger
Calculated scheduled disbursements after applying SOR proration criteria
Academic Term
Pre-Disbursement Credits
Post-Disbursement Credits
Disbursement Status
Allocation %
Direct Subsidized
Direct Unsubsidized
Term Total
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Term-by-Term Enrollment Configurations
Set term-by-term credit hours and specify disbursement status
SOR Compliance Mathematical Walkthrough
1
Mid-Year Transfer & Prior Borrowing Sandbox
Model the impacts of funds disbursed at a prior school within the same academic year
Transfer Adjustments
Remaining Eligibility Mechanics
2
NSLDS Remaining Lifetime/Aggregate Constraints
Recalculate SOR metrics when a student is constrained by aggregate caps
NSLDS Ledger Settings
Constrained SOR Calculation
3
Mid-Year Grade Level Advancement Sandbox
Progression limits tracking under 34 CFR 685.203(m)(1)(i)
Advancement Settings
Single-Term Advancement Calculation Logic
Base Additional Spring Eligibility:$1,000
Spring Enrollment Ratio (SOR):9 / 12 (LTFT Reduction)
Allowed Mid-Year Advancement Loan Amount:$750
4
Final Term Graduation Proration Sandbox
Undergraduate student is graduating after Fall (Remaining Period of Study less than AY)
Graduation Parameters
Method A: Historical Proration
34 CFR 685.203(a) Traditional Remaining Period Formula
Cap Formula: SOR * (Limit / 2)
Calculated: 100% SOR ratio applied
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34 CFR Federal Direct Loan Regulatory Guidance
Review key compliance mandates under the July 1, 2026 OBBBA / RISE administrative update.
34 CFR ยง 685.203(m)
The Scheduled Enrollment Ratio (SOR)
A scheduled single-term loan disbursement cannot exceed the proportional ratio of credits enrolled divided by the standard full-time credit baseline. If a student is full-time, the SOR equals 1.0. If half-time, standard proration applies. Under half-time, the award must be zeroed.
34 CFR ยง 685.301(a)(9)
Single-Term Caps for Part-Time Students
Institutions must calculate scheduled disbursements dynamically. Under the new 2026 rule, any reduction in enrollment during a payment period must be verified before subsequent disbursements are made, preventing excessive unsubsidized borrowing by part-time students.
GEN-26-04 Guidance
RISE Compliance Audit Mandate
Beginning July 1, 2026, external auditors must sample Title IV calculations to confirm that scheduled loan records sent to COD match the exact SOR ratios calculated at the census point of each corresponding semester term.
