SAY	and	BBAY	Summary
For	reference,	the	table	below	compares	the	main	features	of	SAY,	BBAY	1,	BBAY	2,	and	BBAY	3	(as	discussed	in	more
detail	earlier	in	the	chapter)	in	a	side-by-side	format.
Volume	8,	Chapter	6:	SAY	and	BBAY	Comparison	Table
SAY
Used	for	credit-hour
programs	with	standard
terms	or	SE9W	nonstandard
terms	offered	in	a	traditional
academic	calendar.
BBAY	1
Alternative	to	SAY	for
credit-hour	programs
with	standard	terms
or	SE9W	nonstandard
terms	that	are	also
offered	in	an	SAY.
BBAY	2
Must	be	used	for
credit-hour	programs
with	standard	terms
or	SE9W	nonstandard
terms	that	are	not
offered	in	an	SAY.
BBAY	3
Must	be	used	for	clock-hour
programs,	non-term
programs,	programs	with
non-SE9W	nonstandard
terms,	and	programs	that
mix	standard	and
nonstandard	terms	and	do
not	qualify	to	use	an	SAY.
SAY	uses:
Traditional	academic
calendar	with	at	least	2
semesters	or	trimesters	or
3	quarters	in	fall	through
spring,	or
Comparable	academic
calendar	with	SE9W
nonstandard	terms,	if	all
terms	(including	summer)
are	SE9W,	and	if	number	of
hours	or	weeks	in
comparable	fall-spring
calendar	meets	regulatory
academic	year	minimums.
N/A N/A N/A
Generally	begins	and	ends	at
same	time	each	year.
Doesn9t	begin	and
end	at	same	time
each	year;	<floats=
with	student9s
enrollment.
May	be	used	as
alternative	to	SAY
for	all	students,
certain	students,	or
certain	programs.
May	alternate	SAY
and	BBAY	1	(but
Doesn9t	begin	and	end	at
same	time	each	year;
<floats=	with	student9s
enrollment.
Doesn9t	begin	and	end	at
same	time	each	year.
Begins	when	student
enrolls	at	least	half-time
and	<floats=	with	student9s
enrollment.
instance,	a	student	who	successfully	completes	only	33	quarter	hours	in	the	first	30	weeks	of	instructional	time
must	successfully	complete	an	additional	three	quarter	hours	before	the	second	BBAY	3	begins	and	the	student
becomes	eligible	for	a	new	annual	loan	limit	at	the	second-year	undergraduate	level.
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