They cannot be used by non-residents to attend Kentucky colleges, or residents to attend out-of-state institutions except in very specific situations. Kentucky Higher Education Assistance Authority administers these programs. More detailed information is provided on the website www.
CAP Grants are awarded to Kentucky residents enrolled for at least six semester hours and seeking an eligible educational credential. The Kentucky Educational Excellence Scholarship KEES is a scholarship designed to encourage and reward high school students for good performance during their high school careers. Students must have graduated in May or thereafter. Students must be seeking an eligible educational credential.
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A " Jeff Green Scholar " is a special designation for students who earn a 4. Students in the graduating class of were the first students who can qualify as Jeff Green Scholars. All applicants must be Kentucky residents enrolled full-time unless in the final term of a teacher certification program and less than full-time is required to complete the program.
Applicants must demonstrate financial need.
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If the student does not teach according to the required provisions the scholarship becomes an interest- bearing loan. Applications are available at your local college or by calling 1- For this scholarship students must enroll for not more than 9 credit hours of appropriate program college classes and be employed at least 20 hour a week in a participating early childhood development facility. Check with your childcare facility. Tuition paid at today's rates will grow to cover rates charged by public institutions.
To request more information call toll-free KAPT. A Trust account can be opened for the beneficiary at any age; the account owner determines the method, schedule, and amount of contribution. Earnings are exempt from Kentucky taxes and are deferred from Federal taxes until distribution. The younger the child is when participation begins, the better the family will be prepared to meet the growing educational costs. To request more information call toll free Kentucky employers provide jobs, most of whom are private entities. The student must be enrolled or accepted for enrollment for at least half time, making satisfactory academic progress, and not be in default on a Federal Student Loan nor owe a refund on a KHEAA grant.
For further information contact:. This program provides student and medical assistance to needy dependent children in Kentucky and the parents, or relatives, with whom the children are living. K-Tap helps families find jobs or get training that leads to a job. To view these statutes in their entirety, visit the Legislative Research Commission' Web site.
Financial Need
All persons eligible to the scholarship provided by KRS In recognition of the valuable service to the preparation of teachers and the need for all teachers to have continual professional growth, a supervising teacher or a resource teacher for teacher interns may, with prior approval of the course-offering institution, take a minimum of six 6 credit hours per term at any public postsecondary institution and pay no tuition.
The teachers covered in this section may exercise the tuition-free course option only if there is available space within a given course offering. A postsecondary institution shall not be required to establish a course to meet teacher requests. The tuition-free courses may be used to partially satisfy requirements for an advanced degree. Each public postsecondary education institution shall establish the procedures for implementing the provisions of this section, effective August 1, Student may be full-time or part-time and must complete the Free Application for Federal Student Aid.
To determine the amount of the tuition waiver to be applied, the college uses three numbers: First the sum of the tuition waiver, plus other student financial assistance from all sources except certain loans and work study is calculated. Then the cost of attendance as defined in 20 U. If that sum exceeds the total cost of attendance, then the tuition waiver shall be reduced by the amount exceeding the total cost of attendance.
Each college has additional criteria by which these funds are awarded. Applicants must have unmet financial need demonstrated by application for financial aid. Additional criteria may apply at individual colleges. An eligible student must be a single working parent with at least one child under the age of The student must have unmet financial need demonstrated by application for financial aid, and demonstrate enthusiasm for learning and potential for academic success.
The scholarship is renewable for a second year if the awardees maintain full-time enrollment and satisfactory academic progress toward the completion of their degrees as determined by the college scholarship committee. To be eligible for the competition students must write a one-page essay about their career choice, personal values and community service. To be eligible the student also must have at least a 2.
College scholarship committees will evaluate candidates. Students must be enrolled full-time, meet satisfactory academic progress and have unmet financial need as demonstrated by application for financial aid. Six semesters can be paid as long as the recipient maintains full-time enrollment and has a GPA of at least 2. Children of officers and directors of Liquid-Transporters are ineligible.
Application must first be made to the Human Resources Office Payroll of Liquid-Transporters and then to the financial aid office of the selected college. The college can provide the application form. There are a number of outside agencies who offer educational assistance and other services to students. Listed below are some these agencies, a brief description of the programs they offer and contacts for each. The staff in your college's Office of Student Aid is available to assist students in dealing with these agencies. Through the Office of Veterans Affairs a number of educational assistance programs are available to eligible veterans and their dependents.
Under this program, educational benefits are provided to eligible veterans meeting specific requirements. Under this program, student aid is provided for the education of dependents children and spouses of deceased or disabled veterans or MIA service persons. Under this program, educational benefits are provided to eligible members of the Selected Reserve meeting specific requirements. KCTCS is approved for training veterans under the provisions of the various public laws commonly called the G.
A spouse or child of a veteran may receive benefits under certain conditions. More information on these standards is available from the Veterans Affairs Office. Additional benefits and programs may also be available through this agency. Contact your Veterans Affairs Counselor for additional information. This program provides awards equivalent to in-state tuition at eligible institutions to active enlisted members of the Kentucky National Guard. You may also contact your local National Guard unit. This program provides assistance to individuals who have physical or mental impairments with the goal being to assist these individuals achieve suitable employment and independence.
Assistance is in the form of tuition partial to full and other services. Department of Vocational Rehabilitation for the office nearest you. This program provides vocational rehabilitation assistance to individuals with severe visual disabilities so they may become independent and gain employment. Educational assistance is normally in the form of tuition, fees and books.
Other services are also available. This program is for UMWA employees, their spouses and dependents. It is not a grant or scholarship. Employees must participate by having paid into the fund. Through the local social service agencies, a variety of programs are available to assist students.
Assistance is normally in the form of transportation, childcare and other college related expenses. Other programs may also be available. Please note that programs names and requirements may change. A KTAP representative is available to students at your college campus. Students may qualify for help in meeting their educational expenses through the Workforce Investment Act. Each year, a number of individuals, organizations and companies provide scholarships that are available to students attending various individual colleges.
The amount and criteria for these awards will vary. These scholarships are advertised when available, and eligible students may apply at that time. Information is available at your local college's Office of Student Aid. The AmeriCorps program provides full-time educational awards in return for work in community service.
You can work before or during or after your post secondary education, and you can use the funds either to pay current educational expenses or to repay federal student loans.
KCTCS STUDENT AID CONSUMER INFORMATION
For more information on this program, call or write to: The "HOPE Scholarship" tax credit helps make the first two years of college or post-secondary vocational school universally available. This credit is available for tuition and required fees less grants, scholarships, and other tax-free educational assistance and will be available for payments made after December 31, for college enrollment after that date. This tax credit is targeted to adults who want to go back to college, change careers, or take a course or two to upgrade their skills and to college juniors, seniors, graduates, and professional degree students.
Just like the "HOPE Scholarship" tax credit, the Lifetime Learning tax credit is available for tuition and required fees less grants, scholarships, and other tax-free educational assistance; families may claim the credit for amounts paid on or after July 1, for college or vocational school enrollment beginning on or after July 1, The maximum credit is determined on a per- taxpayer family basis, regardless of the number of post-secondary students in the family, and is phased out at the same income levels as the "HOPE Scholarship" tax credit.
Families will be able to claim the Lifetime Learning tax credit for some members of their family and the "HOPE Scholarship" tax credit for others who qualify in the same year. If you need more information on the Lifetime Learning tax credit contact your local college's Office of Student Aid. Students are responsible for understanding and adhering to the satisfactory academic progress policy. The Federal Regulations specify minimum standards for these measures. KCTCS may set stricter standards in its policy.
Students earning a cumulative grade point average below a 2. Students receiving a GPA below 2. The satisfactory academic progress policy must also include a quantitative measure to determine the number of credit hours attempted and percentage of credit hours completed passed. Student Aid enrollment status for payment purposes will be established at the close of the 7 th calendar day beginning with the first day of class, including weekends but not holidays, or upon file completion whichever is later.
Courses added after this date will not be considered for enrollment for student aid purposes but will be counted as attempted for quantitative and MTF standards. Students will be suspended even after one term after exceeding maximum time frame.
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If a student is placed on financial aid suspension and have unusual circumstances illness, death in the family, accidents, etc. The student is responsible for payment arrangements with the institution pending a decision of the appeals committee. If a student was suspended because their cumulative grade point average did not meet the minimum 2. Department of Education Title IV programs: Department of Education as a demonstration of your ability to benefit from college.
GED preparation and testing information is available at the Office of Student Affairs at your local Be enrolled or accepted for enrollment as a regular student working toward a degree or certificate in an eligible program. Some colleges offer a few certificate programs that are not long enough to meet Federal standards of student aid eligibility unless you are pursuing a more advanced credential of which the ineligible certificate is a component.
Ask about your certificate at your local Be a U. See section on Satisfactory Academic Progress. Register with the Selective Service, if required. If you are admitted "conditionally" you may receive student aid for one semester Before additional student aid can be awarded your admission file must be completed. The only exception is if you are conditionally admitted.
You have one semester to present academic transcripts in time to be evaluated. Financial Need When you apply for federal student aid FSA , the information you report is used in a formula established by the U. Instead, your EFC is used in an equation to determine your financial student need: Summer average tuition charge is based on 6 hours of enrollment. Estimated Per Term Budgets: Dependency Status When you apply for federal student aid, your answers to certain questions will determine whether you are considered dependent on your parents. You are an independent student if at least one of the following applies to you: You were born before January 1, ; You are married as of the date you applied for financial aid; You are enrolled in a graduate or professional educational program Beyond a bachelor's degree ; You support legal dependents other than a spouse; You are an orphan or ward of the court or were a ward of the court at any time since age 13 ; You are an emancipated minor or in legal guardianship; You were determined at any time since July 1, , to be an unaccompanied youth who was homeless; You are currently serving on active duty for purposes other than training or You are an eligible veteran of the U.
What form do I use? You must reapply for federal aid every year. If you change colleges, your aid can be transferred by calling the Federal Student Aid Information Center at and ask them to add your new college to your Student Aid report. They will ask for the following information: If any changes are necessary, your college will be able to submit most corrections electronically.
Special Circumstances Although the process of determining a student's eligibility for federal student aid is basically the same for all applicants, there is some flexibility. Deadlines Application Submission Whether you apply electronically or by mail, the application processor must receive your application by June 30, for the college year.
Frequently Requested Telephone Numbers and Web Sites If you need answers right away to questions about federal student aid, call the appropriate number listed below at the Federal Student Aid Information Center between 9 a. Tell you whether a college participates in the federal student aid programs and that college's student loan default rate. Explain federal student aid eligibility requirements. Explain the process of determining student need and awarding aid. Send federal student aid publications to you. Accept a change in your address Have your application information sent to a specific college If you have reason to suspect any fraud, waste, or abuse involving federal student aid funds, you may call MIS-USED , a toll-free number, which is the hotline to the U.
How do I qualify? How much money can I get? How will I be paid? Is it ever possible to postpone repayment of my loan from another college? For example, you may be granted forbearance if you are: Unable to pay due to poor health or other unanticipated personal Serving in a medical or dental internship or Serving in a position under the National Community Service Trust Act of Obligated to make payments on certain federal student loans that are equal to or greater than 20 percent of your monthly gross Military service personnel called to active Deferments and forbearances are not automatic.
What is Federal Work-Study? How much will I make? You will be paid by the hour. KCTCS colleges will pay you directly twice a month. Are Federal Work-Study jobs on campus or off campus? Can I work as many hours as I want? Kentucky Early Childhood Development Trainers Certificate Kentucky Early Childhood Development Director's Certificate Childhood Development Associate Degree For this scholarship students must enroll for not more than 9 credit hours of appropriate program college classes and be employed at least 20 hour a week in a participating early childhood development facility.
For further information contact: The institution is to waive the tuition. House Bill , Regular Session, added full-time employees of state or locally operated secondary area technology centers. Scholarships for the Elderly - KRS If classes are filled, the institution may deny "admission. Student must be a biological or adopted not step child whose parent or a non-remarried widow or widower whose spouse was a resident of Kentucky upon becoming a law enforcement officer, firefighter, or volunteer firefighter who was killed while in active service or training for active service or who died as a result of a service connected disability.
These provisions apply to any firefighter or volunteer who is killed or dies on or after July 1, Student must be a biological or adopted not step child whose parent or a non- remarried widow or widower whose spouse- was a resident of Kentucky upon becoming a law enforcement officer, firefighter, or a volunteer firefighter and who was permanently and totally disabled while in active service or in training for active service.
A living law enforcement officer, firefighter, or volunteer firefighter must be officially rated permanently and totally disabled for pension purposes or percent disabled for compensation purposes or if deceased, must have held such a rating at time of death. Tuition is waived 1 until the child reaches age 23 no age restrictions for spouse or 2 for a maximum of 36 months. The parent's, stepparent's, or spouse's service and rating must be evidenced by certifications from the records of the Kentucky Department of Military Affairs, Veterans Administration Records, or the Department of Defense of the United States.
The scholarship includes free tuition, fees, room rent, fuel and lights, and the advantages and privileges of the institution, but does not include free board. Provided, however, that if the federal government provides for the education of veterans of any wars herein referred to, then this section shall not apply to such veterans.
The application shall be accompanied by his certificate of honorable discharge from the service, which shall be returned to him upon admittance. KRS - Tuition-free courses for supervising teachers and resource teachers In recognition of the valuable service to the preparation of teachers and the need for all teachers to have continual professional growth, a supervising teacher or a resource teacher for teacher interns may, with prior approval of the course-offering institution, take a minimum of six 6 credit hours per term at any public postsecondary institution and pay no tuition.
Out-of-state students awarded the waiver pay tuition and fees at the in-state rate with the remaining out-of-state portion of tuition and fees waived. Please contact your local college for details. MOA must be retained for audit purposes. Waivers for customized courses shall be of significant off setting benefit to the college's community. Written documentation regarding the reason and benefit of the waiver must be maintained for audit purposes.
Current year high school valedictorians. Valedictorians who graduated from high school during the previous academic year. Students must have unmet financial need demonstrated by application for financial aid. College Specific Scholarships Each year, a number of individuals, organizations and companies provide scholarships that are available to students attending various individual colleges. AmeriCorps The AmeriCorps program provides full-time educational awards in return for work in community service. The Lifetime Learning tax credit This tax credit is targeted to adults who want to go back to college, change careers, or take a course or two to upgrade their skills and to college juniors, seniors, graduates, and professional degree students.
Satisfactory Academic Progress is measured with the following standards: Decisions made by the Student Aid Committee are final and non-appealable. If you are wise, you can get through college without borrowing or taking out loans, and without going into extreme debt.
For example, scholarships and grant money can offset the cost of tuition. This guide offers tips on how to get money for your college education. Schedule an appointment, and they will help you find programs, scholarships, and grants to suit your needs. At the very least, FAFSA enables you to receive federal loans or grants, should you be eligible for aid. Financial aid is a broad term used to describe options available to help you find ways to pay for college.
There are also grants specifically available for African-Americans , single mothers , and women. Other grants are offered through your specific state. Scholarships are given mostly on a merit basis, but award money is also dispersed to students in financial need. Scholarship money goes directly to the student or school to offset tuition costs and other college expenses. There are thousands of scholarships available for everything from left-handed students to online students. Reward money is sometimes given to students who demonstrate the financial need or to minority groups. Nonprofits, individuals, and associations also give out scholarship money throughout the year.
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There are thousands of merit-based scholarships and fellowships given to students engaged in the arts, humanities, sports, or a variety of other fields. Scholarships are generally given without students having to earn them. Fellowships are given for research projects and study abroad programs. Students can receive thousands of dollars each semester in scholarship and fellowship aid for tuition or other college-related expenses such as books and housing. The Federal Pell Grant is a need-based grant given to low-income students.
Undergraduates can receive up six years or 12 semesters worth of Pell Grant funding. TEACH grants are given to students who commit to work in low-income areas as teachers for up to four years. The grant is available for to students for up to 12 semesters or about six years. Institutional Grants are award monies given by colleges, private organizations, and states — not the federal government.
To find out about college grants, speak with your financial aid adviser. Private and state grants are also often listed on community foundation websites. Gift monies range from hundreds to thousands of dollars and can used for tuition or other college-related expenses. Here are some of the most popular scholarships available today. Students receive full or partial scholarships at the discretion of their coaches. Google offers scholarships to high school and college students studying computer science and tech. Students can apply via the online application , which requires transcripts and letters of recommendation.
UNCF is the largest private organization to give out scholarships to minorities. Each scholarship has different requirements e. The IEEE Computer Society is a professional organization for individuals employed in computer science and engineering. The society also provides scholarships and awards to undergraduate and graduate students studying in the field.
KCTCS STUDENT AID CONSUMER INFORMATION | HCC
The Microsoft Scholarship program was created to encourage students studying computer science or STEM-related subjects at a four-year college or university. This conference scholarship provides student with an all-expense paid trip to attend one of five diversity STEM conferences. Students from historically underrepresented backgrounds are given preference.
The program is open to undergraduate and graduate students in the United States, Canada, and Mexico. If you are a first-year college student, you likely have questions about the loan application process. What kind of loan should I take out? How much money will I need? How long do I have to repay the loans? You will have to fill out a new form every year to determine how much aid you will receive.
The financial aid office at your college will determine how much aid you receive and will notify you. The cost of living is calculated by totaling up your projected length in school and estimated tuition and expenses per semester. If you are a parent, this also includes additional costs for childcare. To be clear, you may receive offers for more loan money than you actually need. Remember, loans are one of the ways to pay for college, but most loans come with strings attached. That means you will have to pay interest on loans and abide by repayment rules. Typically, repayment plans are flexible for federal loans and less flexible on private loans.
It takes roughly 10 years for students to pay off their debt. For more information on how financial aid awards are determined, visit the Federal Student Aid portal. Federal Perkins Loans are available to part- and full-time undergraduate and graduate students who demonstrate financial need.
To be eligible, your college must participate in the Federal Perkins Loan. Generally you have up to nine months after you graduate to begin repaying the loan. The loan is typically repaid over a year period. Federal Parent Loan for Undergraduate Students, or PLUS loans , are loans parents and legal guardians can take out on behalf of their dependent kids to help them pay for their undergraduate studies.
Loans carry a fixed 7. Parents may borrow up to the cost of the attendance, subtracting any other financial aid. The repayment term is typically 10 years, although that can be extended if needed. Federal subsidized loans are only available to undergraduate students. The government covers the interest on subsidized loans while an undergraduate student is in college. However, interest begins accruing when they graduate. The federal government will not pay the interest rates on unsubsidized loans, which are offered to undergraduate and graduate students.
Interest begins adding up for these loans right away. The total amount a student can borrow is determined by their college. Graduate students will pay 6. If you borrow multiple loans you will have multiple payments every month. If that sounds confusing, you can consider consolidating those loans. You can do that by getting a Direct Consolidation Loan to combine all of your federal loans so that you make one payment per month. On the plus side, consolidation can make your payments lower and give you more time to pay off the loan.
You can also switch to an income-driven repayment plan, where your payment is determined by your income.
On the downside, by consolidating and stretching out your repayment timeline, you may pay more interest in the long run.