{"id":13512,"date":"2026-08-31T10:40:58","date_gmt":"2026-08-31T14:40:58","guid":{"rendered":"https:\/\/www.ucf.edu\/financial-aid\/?post_type=faq&#038;p=13512"},"modified":"2026-08-31T10:40:58","modified_gmt":"2026-08-31T14:40:58","slug":"what-is-the-schedule-of-reductions-sor","status":"publish","type":"faq","link":"https:\/\/www.ucf.edu\/financial-aid\/question\/what-is-the-schedule-of-reductions-sor\/","title":{"rendered":"What is the Schedule of Reductions (SOR)?"},"content":{"rendered":"<p>Beginning with 2026\u201327, federal law requires applicable federal student loan limits to be adjusted for students enrolled less than full-time.<\/p>\n<p>This is called the <strong>Schedule of Reductions (SOR)<\/strong>.<\/p>\n<p>At UCF, full-time enrollment is generally:<\/p>\n<ul>\n<li><strong>Undergraduate<\/strong>: 12 or more credit hours per term<\/li>\n<li><strong>Graduate<\/strong>: 9 or more credit hours during fall and spring or 6 or more during summer<\/li>\n<\/ul>\n<p>Certain graduate students completing thesis or dissertation requirements may qualify as full-time with fewer hours based on applicable requirements.<\/p>\n<p>Students must still meet federal half-time enrollment requirements to receive a Direct Loan.<\/p>\n","protected":false},"template":"","meta":{"_acf_changed":false,"footnotes":"","_links_to":"","_links_to_target":""},"tags":[96],"class_list":["post-13512","faq","type-faq","status-publish","hentry","tag-federal-financial-aid-changes-ob3"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>What is the Schedule of Reductions (SOR)?<\/title>\n<meta name=\"description\" content=\"Beginning with 2026\u201327, federal law requires applicable federal student loan limits to be adjusted for students enrolled less than full-time. 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