There are some federal regulations that could impact you and limit your eligibility for federal aid when you repeat a class.
You can only receive federal aid for taking a previously passed course once (grade of D or better). For federal financial aid purposes, repeated courses will not count towards your actual enrollment.
You must also be registered for the minimum credit hour requirement in non-repeated coursework in order to be eligible for federal financial aid each semester.
You take a course and receive a passing grade of ‘D’, but need a ‘C’ in this course to count toward your degree requirements. You take the course again the following semester and earn another ‘D’. Although you need to retake the course to earn credit for your degree, you are no longer eligible to receive federal aid for that class.
Additionally, you cannot use that course toward enrollment for financial aid purposes. If you are taking 12 credits hours, including the three credit hours that are considered as a third repeat, then only nine credits will count toward your federal financial aid eligibility. This will affect your cost of attendance and may reduce the amount of financial aid you are eligible to receive.