Returning Title IV Funds | GCTC

Return of Title IV Funds (R2T4)

According to federal regulations,the Financial Aid Office is required to recalculate your eligibility for federal financial aid funds when you withdraw or receive all failing grades (grades of E, F, W, and/or Z) during the semester. This may happen when you officially or unofficially withdraw or you are unsuccessful in your classes. A portion of the total amount of Federal Title IV aid disbursed to the student must be returned to the U.S. Department of Education.

At the time we are notified that you are unsuccessful or have withdrawn, the Financial Aid Office will calculate the percentage of financial aid that must be returned. We will notify you of the unearned aid. The unearned aid must be returned to the U.S. Department of Education. This return of unearned aid will likely create a bill with Gateway. To make payment arrangements or for questions about your bill, you should contact the Business Office at

Per federal regulations, if you receive all failing grades (grades of E, I, F, W, or Z) for your semester classes, you will be subject to the Return to Title IV policy. If you unofficially withdraw, the aid will be calculated at the 50 percent mark of attendance or based upon your last date of attendance (as documented by your instructors).

Funds will be returned in the following order:

  1. Unsubsidized Direct Stafford Loan
  2. Subsidized Direct Stafford Loan
  3. Direct Plus Loan
  4. Pell grant
  5. FSEOG

If you have any questions, contact the Financial Aid office at1-855-3GO-GCTC (1-855-346-4282).