What Is Considered a Full-Time Student? (2024)

A college student is considered to be enrolled on a full-time basis for student financial aid purposes if they are enrolled for at least 12 credit hours per semester. So, how many classes is full-time? Since a class typically requires at least three credits, for most students four classes per semester are what is considered a full-time student.

If you’re able to pay for your own college then how many credits you take per semester really only matters to determine your graduation date. You can save money in a 529 plan and your child will be able to take college at their own pace. Find out the best 529 plans for your state.

Impact of Enrollment Status on Financial Aid

In some cases, a student must be considered a full-time student to be eligible for federal financial aid. Here are some of the facts that you’ll need to be aware of if you’re thinking about taking less than 12 hours, even for only a single semester:

  • Student Loans: A student must be enrolled at least half-time to qualify for federal student loans and other student aid and financial assistance.
  • Pell Grants: If a student received a Federal Pell Grant, the grant amount will be prorated based on enrollment status, yielding award amounts that are 25%, 50%, 75% or 100% of the student’s eligibility.
  • Other Financial Aid: Similar to federal student aid, some state financial aid programs, such as free tuition programs, require students to be enrolled on a full-time basis.

A college student is considered to be enrolled on a full-time basis for student financial aid purposes if they are enrolled for at least 12 credits a semester.

Since a class typically requires at least three credits, 12 credits will require four classes per semester. Half-time enrollment requires at least six credits and if you fall below that amount then you may enter the repayment period on any student loans you’ve taken to that point.

Can You Graduate On-Time if You’re Not Considered a Full-Time Student?

Even though 12 credits a semester is considered to be full-time for financial aid purposes, an undergraduate student cannot graduate with a Bachelor’s degree in four years on just 12 credits a semester, even if they pass every class and never change majors.

Taking and passing only 12 credits a semester, without any academic credit from previous enrollment, AP or IB tests or dual enrollment programs will require at least five years to satisfy graduation requirements.

College students must take 15 credits a semester if they want to graduate with a Bachelor’s degree in four years or an Associate’s degree in two years.

Students who take 12 credits a semester not only will require an additional year to meet degree requirements, but are also less likely to graduate as compared with students who take 15 credits a semester. Students who take 15 credits a semester are about a third more likely to graduate within six years.

Only about half of students who are considered full-time have a course load of 15 or more credits a semester.

The Bottom Line

A student is considered to be full-time for financial aid, scholarships, and for administrative housekeeping if they complete 12 hours per semester. However, in order to graduate in four years a student needs to take more hours than that, typically 15 or more, to be full-time. Falling below full-time will likely impact your financial aid.

Frequently Asked Questions (FAQs)

What is considered a full-time student for FAFSA?

A full-time student for FAFSA is someone who is taking 12 more credit hours per semester. You must take at least 6 hours per semester to qualify for federal financial aid.

What does the IRS consider to be a half-time student?

A half-time student is someone who is taking 6-8 hours per semester, which is the lowest possible course load in order to qualify for federal financial aid.

Do full-time students get a tax break?

The American Opportunity Tax Credit (AOTC) provides up to $2,500 of credit for college expenses during the first four years of college. To get the maximum amount, you may need to be attending college full-time.

What Is Considered a Full-Time Student? (2024)

FAQs

What Is Considered a Full-Time Student? ›

What Does It Mean to Be a Full-Time Student in College? Typically, undergraduates are considered full-time college students if they take at least 12 credits — about four classes — each semester. According to NCES, a majority of these students do not work.

How many hours is a full-time student? ›

The Bottom Line. A student is considered to be full-time for financial aid, scholarships, and for administrative housekeeping if they complete 12 hours per semester.

What does IRS consider a full-time student? ›

A full-time student at a school that has a regular teaching staff, course of study, and a regularly enrolled student body at the school, or. A student taking a full-time, on-farm training course given by a school described in (1), or by a state, county, or local government agency.

What does FAFSA consider full-time? ›

All financial aid is offered based on the expectation of full-time enrollment. If you enroll in 12 units or more for a semester, you are considered full-time and are eligible to receive the full amount of your financial aid that was offered to you.

What's the difference between a full-time and part-time student? ›

The most significant difference between these two options is the amount of time that each requires. In order to be considered a full-time student, most schools require that you take at least 12 credits per semester, while part-time students usually take somewhere around 6-8 credits per semester.

Is 12 credits a full-time student? ›

Typically, undergraduates are considered full-time college students if they take at least 12 credits — about four classes — each semester.

Is 15 credits a semester a lot? ›

So, how many credit hours per semester are there? Normal full-time degrees require 15 credit hours per semester, so 30 credit hours per year. If your Bachelor's degree takes 3 years to graduate, that means you'll need 90 credit hours total.

Do college students get $1000 back on taxes? ›

You can get a maximum annual credit of $2,500 per eligible student. If the credit brings the amount of tax you owe to zero, you can have 40 percent of any remaining amount of the credit (up to $1,000) refunded to you.

What is the IRS student rule? ›

An individual is considered a full-time student if they attended an educational organization — including elementary, junior or senior high school — or an institute of higher learning — such as colleges, universities, and technical, trade and mechanical schools — for any time within five months of a calendar year.

When should I stop claiming my college student as a dependent? ›

Make sure your dependent meets the IRS requirements. Generally, the IRS requires that the child is under the age of 19 (or under 24 if a full-time student), lives with you for more than half the year, and does not provide more than half of their own financial support.

What disqualifies you from FAFSA? ›

Not maintaining satisfactory progress at your college or degree program. Not filling out the FAFSA each year you are enrolled in school. Defaulting on a student loan.

How does being a full time student affect my taxes? ›

Tax Deductions for Students

Student Loan Interest Deduction – This is a federal tax deduction which enables eligible students to deduct as much as $2,500, depending on how much they paid in student loan interest. Tuition and Fees Deduction – This is also a federal tax deduction.

Does not being a full time student affect FAFSA? ›

Part-time students can still qualify for financial aid—you just need to be enrolled for at least a half-time class load. In most cases, this means at least 6 credit hours per semester. As long as you meet the half-time requirements, applying for financial aid is the same as for any other student.

How does being a part-time student affect financial aid? ›

Part-time students are eligible for all of the same federal aid opportunities as full-time students, although the amounts they qualify for decrease proportionally with the number of hours they enroll in. These opportunities include the: Direct subsidized and unsubsidized loans. Direct PLUS loans.

How many hours per week is a full-time student? ›

Typically, 5 3-credit hour classes, so 15 hours in class, then 2 hours per in-class hour for reading, writing, and studying, so a total of 45 hours per week. That's a broad guideline and more hours are often required near exams and at the end of a term.

Is it better to go to college full-time or part-time? ›

The key differences between full-time and part-time enrollment are time commitments, tuition, graduation times, and scholarships. If you have things outside of your studies that you want to prioritize, part-time enrollment might be better. If you want to graduate as soon as possible, consider studying full-time.

Is 12 hours a week a full-time student? ›

Generally, full-time is considered to be at least 12 credit hours. However, some schools consider nine credit hours to be full-time.

Is 20 hours a week a lot for a student? ›

The student of college usually wants to work to get their family to pay the tuition fee, rent if they are away from the house, food expenses, and other expenses too. The student was able to earn some money while doing college studies. As a student, you must work for 15-20 hours a week.

How many hours is a full-time? ›

In the United States, the IRS classifies any employee who works an average of 32 to 40 hours per week or 130 hours per month as full-time. This maximum amount began in 1938 when Congress passed the Fair Labor Standards Act, which required employers to pay overtime to all employees who worked more than 44 hours a week.

How many hours are 12 credits? ›

What is a Credit Hour?
Credits to be earnedHours per week, 7-week courseHours per week, 14-week course
1 credit6 hours3 hours
3 credits18 hours9 hours
6 credits36 hours18 hours
12 credits72 hours36 hours

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