2025- 2026 Aid Earned vs Aid Unearned Dates
Estimating What You Will Have to Repay
The chart below shows an estimate of how much federal financial aid you may be required to return based on the date you withdraw from the university. Please review this carefully if you are thinking about withdrawing, as it may impact your financial responsibility.
If the university closes for five or more consecutive days due to inclement weather, withdrawal dates and the related percentages will be adjusted accordingly.
Fall 2026 – Full Term (One Break)
Payment Period Length
- Term dates: August 20 – December 12, 2025 = 115 days
- Break excluded: November 22 – November 30 = 9 days
Total Fall Term Calendar days = 106 days
- Each day: ≈ 0.94% earned aid (100 ÷ 106)
- 60% of 106 days ≈ Day 64 → October 22, 2025
-
Once a student reaches 60%, they earn 100% of their aid.
👉 Any withdrawal on or after October 22, 2025 = no return required
Date-Based Percentage Breakdown (R2T4)
| Date Range | % Earned | % Unearned (Owed Back) |
|---|---|---|
| Aug 20 – Aug 26 | 1% – 7% | 99% – 93% |
| Aug 27 – Sep 2 | 8% – 13% | 92% – 87% |
| Sep 3 – Sep 9 | 14% – 20% | 86% – 80% |
| Sep 10 – Sep 16 | 21% – 26% | 79% – 74% |
| Sep 17 – Sep 23 | 27% – 33% | 73% – 67% |
| Sep 24 – Sep 30 | 34% – 40% | 66% – 60% |
| Oct 1 – Oct 7 | 41% – 46% | 59% – 54% |
| Oct 8 – Oct 14 | 47% – 53% | 53% – 47% |
| Oct 15 – Oct 21 | 54% – 60% | 46% – 40% |
| Oct 22 – Dec 12 | 60%+ | 0% owed |
| 🚫 Break (not counted) | Nov 22 – Nov 30 | — |
Spring 2026 – Full Term (One Break)
Payment Period Length
- Term dates: January 12 – May 8, 2026 = 117 days
- Break excluded: March 21 – March 29 = 9 days
Total Spring Term Calendar days = 108 days
- Each day ≈ 0.93% earned aid (100 ÷ 108)
- 60% point ≈ Day 65 → March 26, 2026
-
Once a student reaches 60%, they earn 100% of their aid.
👉 Any withdrawal on or after March 26, 2026 = no return required
Date-Based Percentage Breakdown (R2T4)
| Date Range | % Earned | % Unearned (Owed Back) |
|---|---|---|
| Jan 12 – Jan 18 | 1% – 6% | 99% – 94% |
| Jan 19 – Jan 25 | 7% – 12% | 93% – 88% |
| Jan 26 – Feb 1 | 13% – 19% | 87% – 81% |
| Feb 2 – Feb 8 | 20% – 25% | 80% – 75% |
| Feb 9 – Feb 15 | 26% – 32% | 74% – 68% |
| Feb 16 – Feb 22 | 33% – 38% | 67% – 62% |
| Feb 23 – Mar 1 | 39% – 45% | 61% – 55% |
| Mar 2 – Mar 8 | 46% – 51% | 54% – 49% |
| Mar 9 – Mar 15 | 52% – 58% | 48% – 42% |
| Mar 16 – Mar 20 | 59% – 60% | 41% – 40% |
| 🚫 Break (not counted) | Mar 21 – Mar 29 | — |
| Mar 30 – May 8 | 60%+ | 0% owed |
Spring 2026 – Full Term (Two Breaks)
Payment Period Length
- Term dates: January 12 – May 8, 2026 = 117 days
- Break excluded: January 24 - February 1 = 9 days
- Break excluded: March 21 – March 29 = 9 days
Total Spring Term Calendar days = 99 days
- Each day = ~1.01% earned aid (100 ÷ 99)
- 60% point ≈ Day 60 → March 30, 2026
-
Once a student reaches 60%, they earn 100% of their aid.
👉 Any withdrawal on or after March 30, 2026 = no return required
Date-Based Percentage Breakdown (R2T4)
| Date Range | Aid% Earned | Aid% Unearned (Owed Back) |
|---|---|---|
| Jan 12 – Jan 16 | 1% – 5% | 99% – 95% |
| Jan 17 – Jan 23 | 6% – 12% | 94% – 88% |
| Jan 24 – Feb 1 | 🚫 Break (not counted) | — |
| Feb 2 – Feb 8 | 13% – 19% | 87% – 81% |
| Feb 9 – Feb 15 | 20% – 26% | 80% – 74% |
| Feb 16 – Feb 22 | 27% – 33% | 73% – 67% |
| Feb 23 – Feb 28 | 34% – 39% | 66% – 61% |
| Mar 1 – Mar 7 | 40% – 46% | 60% – 54% |
| Mar 8 – Mar 14 | 47% – 53% | 53% – 47% |
| Mar 15 – Mar 20 | 54% – 59% | 46% – 41% |
| Mar 21 – Mar 29 | 🚫 Break (not counted) | — |
| Mar 30 | 60% | 0% owed |
| Mar 31 – May 8 | 60%+ | 0% owed |
Summer 2026 – Full Term
Payment Period Length
- Term dates: May 26 – August 3, 2026
- Breaks: None
Total Summer Term Calendar days = 70 days
- Each day = ~1.43% per day (100 ÷ 70)
- 60% point ≈ Day 42 → July 06, 2026
-
Once a student reaches 60%, they earn 100% of their aid.
👉 Any withdrawal on or after July 06, 2026 = no return required
Date-Based Percentage Breakdown (R2T4)
| Date Range | % Earned | % Unearned (Owed Back) |
|---|---|---|
| May 26 – May 31 | 1% – 9% | 99% – 91% |
| Jun 1 – Jun 7 | 10% – 19% | 90% – 81% |
| Jun 8 – Jun 14 | 20% – 29% | 80% – 71% |
| Jun 15 – Jun 21 | 30% – 39% | 70% – 61% |
| Jun 22 – Jun 28 | 40% – 49% | 60% – 51% |
| Jun 29 – Jul 5 | 50% – 59% | 50% – 41% |
| Jul 6 – Aug 3 | 60%+ | 0% owed |
Summer I Term ONLY
Payment Period Length
- Term dates: May 26 – June 25, 2026
- Breaks: None
Total Summer I Term Calendar days = 31 days
- Each day = ~3.2258% per day (100 ÷ 31)
- 60% point ≈ Day 18.6 → June 13, 2026
-
Once a student reaches 60%, they earn 100% of their aid.
👉 Any withdrawal on or after June 13, 2026 = no return required
Date-Based Percentage Breakdown (Summer I R2T4)
| Date Range | % Earned | % Unearned (Owed Back) |
|---|---|---|
| May 26 – May 31 | 1% – 19% | 99% – 81% |
| June 1 – June 5 | 20% – 35% | 80% – 65% |
| June 6 – June 10 | 36% – 51% | 64% – 49% |
| June 11 – June 13 | 52% – 60% | 48% – 40% |
| June 14 – June 25 | 60%+ | 0% owed |
Summer II Term ONLY
Payment Period Length
- Term dates: June 29 – July 31, 2026
- Breaks: None
Total Summer II Term Calendar days = 33 days
- Each day = ~3.0303% per day (100 ÷ 33)
- 60% point ≈ Day 19.8 → July 18, 2026
-
Once a student reaches 60%, they earn 100% of their aid.
👉 Any withdrawal on or after July 18, 2026 = no return required
Date-Based Percentage Breakdown (Summer II R2T4)
| Date Range | % Earned | % Unearned (Owed Back) |
|---|---|---|
| June 29 – July 3 | 1% – 15% | 99% – 85% |
| July 4 – July 8 | 16% – 30% | 84% – 70% |
| July 9 – July 13 | 31% – 45% | 69% – 55% |
| July 14 – July 18 | 46% – 60% | 54% – 40% |
| July 19 – July 31 | 60%+ | 0% owed |