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SULA is a time-based lifetime limit for a student. It restricts how many years a student can receive a Direct Subsidized Loans. Subsidized Loan usage is measured in Academic Years, called Subsidized Usage Periods (SUP). A student can only receive a certain number of years of Subsidized loans. The maximum number of years is based on 150% of the student's current program length. For example, a student in a 2-year Associate's program may have up to three years of Subsidized loans (150% x 2 years = 3 years). If the same student later enrolls in a 4-year BS program, the student would be allowed up to six total years of subsidized loans (150% x 4 = 6 years), including all Subsidized loans previously awarded.  Some special calculations apply. For example, if the student is in a term or nonstandard term program, and the student does not have full-time enrollment and/or Subsidized loans for all terms in an Academic Year, they often will have less than a full year of SUP for that academic year.

COD tracks a student's lifetime total SUP. The student's total lifetime SUP is cumulative across schools and across programs. The lifetime SUP includes the years of Subsidized loans awarded at other schools or other programs; however, the student's current limits are still based on 150% of their current program. COD tracks and calculates the student's SUP. COD sends the values to schools whenever COD sends a Common Record COD response for a Subsidized loan.

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1. Package the loan, adjusting the loan amount, loan period dates, and enrollment levels. 
   1. Example: A term student has a 3-term Subsidized loan with Fall FT, Winter TQT, Summer HT
2. Identify the start and end dates of each part (each segment) in the loan period.
   1. The segments are contiguous, calendar days that cover all the days from the loan period start date through the loan period end date.
      1. The system does not consider term end dates or break days in the date-based length calculations. As a result, even if all term lengths are identical and have identical instructional days, the student's calculated days for SULA purposes might result in different values.
      2. The date range for the first segment starts with the loan period's start date. The date range for the last segment ends with the loan period's end date. 
      3. For multi-term loans with 3 or more terms, the first segment starts with the first term's start date, then continues until 1 day before the start date of the next term in the loan period. The second segment starts with that second term's start date and continues until 1 day before the next term's start date, or (for the last segment) ends with the loan period's end date.
   2. In our 3-term example student:
      1. Term dates: Fall 2021 is 8/23/2021 to 12/19/2021, Spring 2022 is 1/17/2022 to 5/15/2022, and Summer 2022 is 5/16/2022 to 8/21/2022.
      2. Days in each segment are calculated as follows:
         1. Segment 1, Fall term:   (1/16/2022 - 8/23/2021 + 1) = 147 days
            The calculation is: (1 day before Spring term's start date) - (Fall term's start date) + 1.
            Note, this segment includes the holiday break between Fall and Spring terms.
         2. Segment 2, Spring term:  (5/15/2022 - 1/17/2022 + 1) = 119 days
            The calculation is: (1 day before Summer term's start date) - (Spring term's start date) + 1.
         3. Segment 3, Summer term: (8/21/2022 - 5/16/2022 + 1) = 98 days
            The calculation is: (Loan Period end date) - (Summer term's start date) + 1
3. Determine the enrollment level for each segment, and multiply each segment's days by the enrollment level multiplier.
   1. Note, the enrollment level is the COD Enrollment Level for the term.  Once a term has a paid disbursement, the term's COD Enrollment Level is frozen at the enrollment level when the initial, first disbursement in the term was paid (Accepted as DRI=true at COD, and EST'd.) If a student has multiple disbursements in a term, and the student changes their registration after the initial disbursement for the term is paid, then the new enrollment level in that term will not affect the COD Enrollment Level. If a term does not have any paid disbursements yet, the system does apply the term's current enrollment level. 
   2. In our 3-term example student:
      1. Segment 1, Fall term, FT, multiplier 1.0.  Calculation:  (147 days) x (1.0) = 147 days
      2. Segment 2, Spring term, TQT, multiplier 0.75.  Calculation:  (119 days) x (0.75) = 89.25 days
      3. Segment 3, Summer term, HT, multiplier 0.5.  Calculation:  (98 days) x (0.5) = 49 days
4. Add up all the adjusted day values from the individual segments in the loan period.
   1. Example total days: 147 + 89.25 + 49 = 285.25
5. Determine the total days in the Academic Year. 
   1. Calculation:  (AY End Date) - (AY Start Date) + 1 = AY days
   2. In the 3-term example AY:  8/21/2022 - 8/23/2021 + 1 = 364 days in AY
6. Divide the (Total Adjusted Days) by the (Total Academic Year length) and multiply by 1.0 years to get the loan's Subsidized usage, in years.
   1. Example:  (282.25 days / 364 days) x (1.0 years)  = 0.7754 years
7. Round the total loan SUP to the nearest 0.1 (tenth) of a year.
   1. Example: 0.7754 rounds to 0.8 SUP
8. The system saves the loan's SUP. If the loan is unpaid, the loan's full SUP amount is the Regent Loan Anticipated SUP. If the loan has any paid disbursements, the full loan's SUP amount is the Actual SUP value. If the loan is the student's final loan for SULA, the system also marks the loan as the Final loan for SULA. 
   1. In our example, the loan would have 0.8 Anticipated SUP and 0.0 Actual SUP until at least one disbursement is paid. When the loan has a disbursement paid, the system will change the loan SUP to 0.0 Anticipated SUP and 0.8 Actual SUP.