-
Untitled Document
KHEAA Publications
Affording Higher Education Financial Aid Programs for Kentucky
Students
2006-2007
With the rapid increase in the cost of education, student
financial aid is becoming increasingly important. Although the cost
of Kentuckys higher education institutions is more reasonable than
that of schools in many other states, a four-year degree at a
Kentucky school, depending on the type of institution, will cost
between $40,000 and $120,000--a considerable sum for most
Kentuckians.
The Kentucky Higher Education Assistance Authority (KHEAA)
publishes Affording Higher Education to encourage Kentucky students
to pursue a higher education by helping them locate sources of aid.
To be competitive in todays world--and tomorrows--a higher
education has become a necessity for many, if not most, of our
workforce. Affording Higher Education provides information about
nearly 4,000 financial aid programs for Kentucky students.
Contents and Introduction State Government Federal Government
Public Universities Private Colleges, Universities, and Seminaries
Two-Year Public Colleges Trade Schools Kentucky Scholarships
Index
file:////Dladmds02/archiveroot/Pubs/Kheaa/serv_pub_affording2.htm
[9/19/2007 3:15:56 PM]
-
Financial Aid Programs for Kentucky Students
20062007Affording
Higher Education
-
Affording HigherEducationA book of financial aid programs
forKentucky students pursuing a higher education
Sixteenth Edition
Copyright 2006 by Kentucky Higher Education Assistance Authority
(KHEAA). All rights reserved. Permission is granted to elementary,
middle, and high school guidance counselors to copy pages from this
publication for distribution to students in their schools.
The Kentucky Higher Education Assistance Authority and The
Student Loan PeopleSM do not discriminate on the basis of race,
color, national origin, sex, religion, age, sexual orientation,
gender identity, veteran status or disability in employment or
services and provide, upon request, reasonable accommodations to
afford individuals with disabilities an equal opportunity to
participate in all programs and activities. Printed 7/06.
Acknowledgment
By making the public aware of the availability of financial aid
to help students pay the costs of attending a college, KHEAA hopes
many more students will be encouraged to pursue a higher education.
Officials of state agencies; federal agencies; public universities;
private colleges, universities and seminaries; public two-year
colleges; trade schools; Kentucky high school guidance counselors;
companies; and organizations contributed information for the
20062007 edition of Affording Higher Education. We gratefully
acknowledge their time, effort and cooperation in helping KHEAA
compile this catalog of student financial aid programs.
State Government
Federal Government
Public Universities
Private Colleges,Universities, and
Seminaries
Two-Year Public Colleges
Trade Schools
Kentucky Scholarships
Index
-
This page intentionally left blank.
-
ContentsUsing This Book
............................................................................1Other
Publications
.........................................................................2Some
Tips for Finding Money for College
......................................3
State Government
Kentucky Higher Education Assistance Authority College Access
Program (CAP) Grant ......................................7
Kentucky Tuition Grant (KTG)
....................................................7 Federal PLUS
Loan (Federal Family Education Loan Program [FFELP])
..............7 Federal Stafford Loan (FFELP)
.................................................7 Federal
Consolidation Loan (FFELP) .......................................8
Robert C. Byrd Honors Scholarship
..........................................8 Kentucky Education
Excellence Scholarship .............................8 Promote Your
School Scholarship .............................................9
KHEAA Teacher Scholarship
.....................................................9 Osteopathic
Medicine Scholarship ............................................9
KHEAA Work-Study Program (KWSP)
....................................10 Kentucky Education Savings
Plan Trust ..................................10 Kentuckys
Affordable Prepaid Tuition (KAPT) Plan .................10The
Student Loan PeopleSM
Best in Care (FFELP)
..............................................................10
Best in Class (FFELP)
.............................................................10
Best in Law (FFELP)
...............................................................10
BestGrad for Graduate Level and Above Borrowers ...............11
BestPLUS for Parent Borrowers
..............................................11 BestStart Stafford
Loan (FFELP) ............................................11 The
Student Loan People Advantage
......................................11Commonwealth of Kentucky
Dependents of Deceased Employees Participating in State-
Administered Retirement Systems (KRS 164.2841) ...........11
Dependents of Deceased Kentucky Law Enforcement Officers &
Firefighters (KRS 164.2841) ...............................11
Dependents of Disabled Employees Participating in State-
Administered Retirement Systems (KRS 164.2842) ...........11
Dependents of Disabled Kentucky Law Enforcement Officers &
Firefighters (KRS 164.2842) ...............................11
Senior Citizens (KRS 164.284)
................................................12 Supervising and
Resource Teachers (KRS 164.2845) ............12Kentucky Board of
Nursing Nursing Incentive Scholarship
.................................................12Kentucky Cabinet
for Health and Family Services Chafee Independence Program,
Education Training Voucher
.................................................12 Kentucky Works
.......................................................................12
Public Child Welfare Certification Program Scholarship ..........12
Food Stamp Employment and Training Program (FSETP)
..................................................13 Adopted and
Foster Children (KRS 164.2847) ........................13Kentucky
Cabinet for Workforce Development Trade Adjustment Assistance (TAA)
........................................13 Workforce Investment Act
(WIA) .............................................13Kentucky
Council on Postsecondary Education GED Incentive Program
...........................................................14
Postsecondary Employee and Faculty Development (KRS 164.020)
..................................14Kentucky Department for
Environmental Protection Kentucky Environmental and Public
Protection Cabinet Scholarship
...........................................14Kentucky Department
for Natural Resources Bluegrass Chapter Soil and Water Conservation
Society Scholarship .......................................15
Conservation of Natural Resources Scholarship
.....................15
i
Conservation of Natural Resources Scholarship for Nontraditional
Students ..................................................15
George R. Crafton Scholarship
................................................15Kentucky
Department of Agriculture Agribusiness/Governors Scholars Program
Scholarship
...........................................................15
Kentucky Department of Agriculture Scholarship
....................15Kentucky Department of Education Early
Childhood Development Scholarship .............................15
Education at Work Scholarship
...............................................15 Mary Jo Young
Advanced Placement (AP) Scholarship .........16 Mary Jo Young Dual
Credit Scholarship ..................................16 Minority
Educator Recruitment and Retention (MERR) Scholarship
...........................................16 Transition to
Teaching Proram
.................................................16Kentucky
Department of Veterans Affairs Veterans Dependents (KRS 164.505)
.....................................16 Veterans Dependents (KRS
164.507) .....................................17 Veterans
Dependents (KRS 164.512) .....................................17
Veterans Dependents (KRS 164.515)
.....................................17Kentucky National Guard
Kentucky Air National Guard Education Assistance ................17
Kentucky Army National Guard Education Assistance ............17
Kentucky Army National Guard Federal Tuition Assistance
...................................................18 Kentucky
National Guard Montgomery GI Bill Kicker ..............18 Kentucky
National Guard Tuition Award
...................................18Kentucky Office of Vocational
Rehabilitation Vocational Rehabilitation
.........................................................18Kentucky
Revenue Cabinet Tax Modernization
...................................................................18Kentucky
Transportation Cabinet Kentucky Transportation Cabinet Civil
Engineering Scholarship
.....................................................19
Federal Government
Corporation for National and Community Service Americorps
..............................................................................23Internal
Revenue Service Hope Tax Credit
.......................................................................23
Lifetime Learning Credit
..........................................................23U.S.
Department of Agriculture National Scholars Program Scholarship
..................................23U.S. Department of Defense Air
Force Reserve Officers Training Corps (ROTC) Airman Education and
Commissioning Program .................24 Airman Scholarship and
Commissioning Program ..............24 Express Scholarship
............................................................24 High
School Scholarship
.....................................................24 In-College
Scholarship
........................................................25 Minority
Scholarship
............................................................25
One-Year Scholarship
..........................................................25
Professional Officer Course - Early Release Program ........25
Scholarships for Outstanding Airmen to ROTC ...................25
Army Reserve Officers Training Corps (ROTC) Four-year Scholarship
.........................................................25 Nurse
Program
....................................................................26
Three-year Scholarship
.......................................................26 Two-year
Scholarship
..........................................................26 Civil
Air Patrol Civil Air Patrol Advanced Undergraduate Scholarship
........26 Civil Air Patrol Graduate Scholarship
..................................26 Civil Air Patrol
Technical/Vocational Scholarship .................26 Civil Air
Patrol Undergraduate Scholarship .........................26
Defense Intelligence Agency Undergraduate Training Assistance
Program ......................27 National Security Education
Program David L. Boren Undergraduate Scholarship for Study Abroad
.....................27
-
Naval ROTC Historically Black College/Minority Institution
Scholarship .....................................................27
Four-Year Scholarship
.........................................................27 Nurse
Corps NROTC Scholarship .......................................28
Tweedale Scholarship
.........................................................28
Two-year Scholarship
..........................................................28U.S.
Department of Education Academic Competitiveness Grant
...........................................28 Federal Pell Grant
....................................................................28
Federal Supplemental Educational Opportunity Grant
...............................................................28
National Science and Mathematics Access to Retain Talent (SMART)
Grant ..............................................28 Federal
Direct PLUS Loan
.......................................................29 Federal
Direct Stafford Loan
....................................................29 Federal
Direct Consolidation Loan
.........................................29 Federal Perkins Loan
...............................................................29
Federal Work-Study
.................................................................29U.S.
Department of Health and Human Services Health Professions Student
Loan ............................................29 Loans for
Disadvantaged Students ........................................29
Nursing Student Loan
..............................................................30
Primary Care Loan
..................................................................30
National Institutes of Health Undergraduate Scholarship Program for
Individuals from Disadvantaged Backgrounds
...............................................30 Scholarships for
Disadvantaged Students ...............................30U.S.
Department of Veterans Affairs Chapter 30Montgomery GI Bill (Active
Duty) .......................30 Chapter 31Vocational Rehabilitation
for Service-Disabled Veterans
..................................................31 Chapter
32Post-Vietnam Era Veterans Educational Assistance Program
.........................................31 Chapter 35Survivors and
Dependents Educational Assistance Program
.........................................31 Chapter 1606Montgomery
GI Bill (Selected Reserve)
...................................................31 Reserve
Education Assistance Program (REAP) Program .....31 Restored
Entitlement Programs for Survivors (REPS) Section 156, Public Law
97-377 ..........................................32 Student
Work-Study Allowance Program ................................32
Tutorial Assistance
..................................................................32
Public Universities
Eastern Kentucky University
....................................................35 Kentucky
State University
........................................................37 Morehead
State University
......................................................39 Murray
State University
...........................................................51
Northern Kentucky University
..................................................76 University of
Kentucky
.............................................................85
University of Louisville
...........................................................139
Western Kentucky University
.................................................153
Private Colleges, Universities, and Seminaries
Alice Lloyd College
................................................................159
Asbury College
......................................................................160
Asbury Theological Seminary
................................................161 Beckfield
College
...................................................................162
Bellarmine University
.............................................................162
Berea College
........................................................................163
Brescia University
..................................................................164
Brown Mackie College
...........................................................165
Campbellsville University
.......................................................165 Centre
College
......................................................................170
Daymar College
.....................................................................171
Draughons Junior College
.....................................................172
Embry-Riddle Aeronautical University
...................................172 Galen College of Nursing
......................................................172
Georgetown College
..............................................................173
ITT Technical Institute
............................................................174
Indiana Wesleyan University
..................................................175 Kentucky
Christian College
...................................................175 Kentucky
Mountain Bible College
..........................................176 Kentucky Wesleyan
College ..................................................176
Lexington Theological Seminary
...........................................180 Lindsey Wilson
College
.........................................................180
Louisville Presbyterian Theological Seminary
.......................182 Louisville Technical Institute
..................................................183 McKendree
College
...............................................................184
Mid-Continent University
.......................................................184 Midway
College
.....................................................................186
National College of Business and Technology
......................186 Northwood University
............................................................187
Paducah Technical College
...................................................188 Pikeville
College
....................................................................188
St. Catharine College
............................................................189
Southwestern College
...........................................................189
Spalding University
................................................................190
Spencerian College
...............................................................191
Sullivan University
.................................................................191
Thomas More College
...........................................................192
Transylvania University
..........................................................197
Trevecca Nazarene University
...............................................199 Union College
........................................................................199
University of the Cumberlands
..............................................200
Two-Year Public Colleges
KCTCS Scholarships
.............................................................205
Ashland Community College and Technical College .............205
Big Sandy Community and Technical College
.......................207 Bluegrass Community and Technical
College .......................211 Bowling Green Technical College
..........................................213 Elizabethtown
Community and Technical College .................213 Gateway
Community and Technical College .........................217 Hazard
Community and Technical College ............................217
Henderson Community College
.............................................221 Hopkinsville
Community College ...........................................222
Jefferson Community and Technical College
.........................223 Madisonville Community College
..........................................224 Maysville Community
and Technical College .........................225 Owensboro
Community and Technical College .....................226 Somerset
Community College
...............................................227 Southeast
Kentucky Community and Technical College ........229 West Kentucky
Community and Technical College ................230
Trade Schools
Elizabethtown Beauty School
................................................235 The Hair Design
School ........................................................235
Kaufman Beauty School
........................................................235 Mr.
Jims Beauty College
.......................................................236 Trend
Setters Academy, Inc.
.................................................236
Kentucky Scholarships
Statewide
...............................................................................239
Multicounty
............................................................................253
Adair County
..........................................................................254
Allen County
..........................................................................255
Anderson County
..................................................................256
Ballard County
.......................................................................258
Barren County
.......................................................................258
Bath County
..........................................................................259
ii
-
Bell County
............................................................................260
Boone County
.......................................................................261
Bourbon County
....................................................................263
Boyd County
..........................................................................265
Boyle County
.........................................................................268
Bracken County
.....................................................................269
Breathitt County
....................................................................269
Breckinridge County
..............................................................270
Bullitt County
.........................................................................273
Butler County
........................................................................274
Caldwell County
....................................................................274
Calloway County
...................................................................275
Campbell County
...................................................................277
Carlisle County
......................................................................279
Carroll County
.......................................................................279
Carter County
........................................................................281
Casey County
........................................................................282
Christian County
....................................................................282
Clark County
.........................................................................284
Clay County
...........................................................................286
Clinton County
.......................................................................286
Crittenden County
.................................................................286
Cumberland County
..............................................................287
Daviess County
.....................................................................288
Edmonson County
.................................................................289
Elliott County
.........................................................................289
Estill County
..........................................................................289
Fayette County
......................................................................290
Fleming County
.....................................................................291
Floyd County
.........................................................................292
Franklin County
.....................................................................293
Fulton County
........................................................................294
Gallatin County
......................................................................295
Garrard County
.....................................................................295
Grant County
.........................................................................296
Graves County
......................................................................298
Grayson County
....................................................................300
Green County
........................................................................303
Greenup County
....................................................................304
Hancock County
....................................................................306
Hardin County
.......................................................................306
Harlan County
.......................................................................307
Harrison County
....................................................................308
Hart County
...........................................................................309
Henderson County
................................................................309
Henry County
........................................................................310
Hickman County
....................................................................311
Hopkins County
.....................................................................311
Jackson County
.....................................................................312
Jefferson County
...................................................................313
Jessamine County
.................................................................318
Johnson County
....................................................................319
Kenton County
.......................................................................319
Knott County
.........................................................................322
Knox County
..........................................................................322
LaRue County
.......................................................................323
Laurel County
........................................................................324
Lawrence County
..................................................................324
Lee County
............................................................................324
Leslie County
........................................................................325
Letcher County
......................................................................325
Lewis County
.........................................................................326
Lincoln County
......................................................................326
Livingston County
..................................................................327
Logan County
........................................................................327
Lyon County
..........................................................................330
Madison County
....................................................................332
Magoffin County
....................................................................332
Marion County
.......................................................................333
Marshall County
....................................................................334
Martin County
........................................................................334
Mason County
.......................................................................335
McCracken County
................................................................335
McCreary County
..................................................................337
McLean County
.....................................................................337
Meade County
.......................................................................338
Menifee County
.....................................................................338
Mercer County
.......................................................................339
Metcalfe County
....................................................................340
Monroe County
......................................................................340
Montgomery County
..............................................................341
Morgan County
......................................................................341
Muhlenberg County
...............................................................341
Nelson County
.......................................................................343
Nicholas County
....................................................................345
Ohio County
..........................................................................345
Oldham County
.....................................................................345
Owen County
........................................................................346
Owsley County
......................................................................347
Pendleton County
..................................................................347
Perry County
.........................................................................351
Pike County
...........................................................................352
Powell County
.......................................................................352
Pulaski County
......................................................................352
Robertson County
.................................................................353
Rockcastle County
................................................................354
Rowan County
.......................................................................354
Russell County
......................................................................354
Scott County
..........................................................................355
Shelby County
.......................................................................356
Simpson County
....................................................................361
Spencer County
....................................................................361
Taylor County
........................................................................361
Todd County
..........................................................................362
Trigg County
..........................................................................363
Trimble County
......................................................................363
Union County
........................................................................363
Warren County
......................................................................365
Washington County
...............................................................366
Wayne County
.......................................................................366
Webster County
.....................................................................367
Whitley County
......................................................................368
Wolfe County
.........................................................................369
Woodford County
..................................................................370
Index
..................................................................................375
iii
-
Affording Higher Education 20062007 KHEAA and The Student Loan
People 1
Using This Book
With college tuition increasing by 10 to 15 percent each year,
its more important than ever for you to find financial aid to help
you pay for college. Although Kentucky colleges remain a good deal
when compared to most other states, a four-year degree can cost you
from $40,000 to nearly $120,000. Thats a lot of money.
To help you out, we update Affording Higher Education every year
so you and your parents have the most up-to-date information
available to help you find sources of money to pay for college. We
are The Student Loan Peoplesm and the Kentucky Higher Education
Assistance Authority, better known as KHEAA. This years edition of
Affording Higher Education has information about nearly 4,000
different sources of financial aid for Kentucky students.
Nearly all of those programs are specifically for Kentuckians
and students at Kentucky colleges. The last section in the book
does have some national scholarships brought to our attention by
guidance counselors from across the state, but Affording Higher
Education concentrates on Kentucky sources. You can find national
scholarships using any number of online scholarship searches, but
thats not always true about scholarships offered at the state,
county, and local level.
Weve kept the basic format from last year. The first two
sections give you information about programs available from the
state and federal governments. Then there are sections with sources
from public universities, private colleges, public community and
technical colleges, and trade schools. Next we list private
statewide and regional sources. After that come by-county
listings.
If students in several counties can apply for a particular
scholarship, we usually have the complete information under the
first county alphabetically. Under the other counties youll simply
find the name of the scholarship and a page number telling you
where to find the complete information.Since many of the
scholarships offered by colleges are for students from specific
counties, well also list the name under the individual counties and
give you the page number to find the full details.
Please remember that some scholarships dont specify counties but
regions, such as eastern Kentucky, which dont have well-defined
boundaries. Youll need to check the index at the back for your
region of the state so you dont miss any scholarship sources.
Some tips about financial aid
Weve divided the financial aid sources we list in Affording
Higher Education by type whenever possible. The most common types
are:
Grant: An award you generally dont have to pay back. Most grants
are based on financial need.
Loan: Money you or your parents have to borrow and pay back with
interest.
Scholarship: An award you generally dont have to repay. Many are
based on talent or achievement, either academic, artistic, or
athletic. Others are based on where you live, where you or your
parents or even your grandparents went to school, or where you
or
your parents work.
Waiver: An arrangement that lets you attend a school without
having to pay tuition or other costs if you meet certain
requirements.
Conversion scholarship/loan: A scholarship that requires you to
provide certain services, such as teaching or nursing, for a
certain length of time. If you dont provide the service, the
scholarship converts to a loan that you have to repay with
interest.
Military benefit: Financial aid you can get if you have served
in the military or if one of your parents was in the military.
Work-study: Part-time employment that lets you earn money for
college by working on or off campus.
Savings: Money you or your parents have set aside or invested
for your college education.
-
Affording Higher Education 20062007 KHEAA and The Student Loan
People2
When youre looking for student aid, start with the largest
providers. For Kentucky students, those are the programs
administered by KHEAA, The Student Loan People, and the federal
government.
Then you can look for sources from your county. If you know what
college youre going to, you can look for sources listed under that
school. Some universities have so many sources of aid that weve
divided them by program: College of Arts and Sciences, Department
of Physics, School of Fine Arts, etc.
Whenever possible, we tell you the eligibility criteria, the
award amount, the number of awards available, the deadline, and
whom to contact. Many programs make their awards on a first-come,
first-served basis, so its important to file your application
early.
The index gives you page numbers where you can find programs
based on specific criteria, such as GPA, major, high school
attended, and more. We dont list counties in the index because all
the county-specific programs can be found in the county
section.
We couldnt do all this without the help of many people across
Kentucky. We thank them for everything they do that helps make this
book possible. We want to make Affording Higher Education better
every year, so please send us any suggestions you have. Were
especially interested in adding more local programs.
KHEAA Publications Section P.O. Box 798 Frankfort, KY 40602-0798
Toll-free telephone: (800) 928-8926, ext. 7381 Fax: (502) 696-7373
E-mail: [email protected]
In addition to Affording Higher Education, KHEAA pub-lishes many
other publications about college planning and student aid. They
include: Getting In, which guides high school seniors through the
admissions and financial aid processes. In addition to general
information relevant to seniors everywhere, it has
Kentucky-specific information about sources of financial aid and
Kentucky colleges. We send copies to every public and private high
school in the state for counselors to give to their seniors. If you
didnt get one, please ask your counselor for a copy. If youre being
home schooled, you should be able to find a copy at your local
public library. Getting In is also available on www.kheaa.com. We
usually have extra copies available, at least early in the year, so
you can contact the Publications Section, and well send you
one.
Getting Started, Getting Set and Getting Ready are for freshmen,
sophomores, and juniors, respectively. They help students in those
classes prepare for their senior year and learn about the college
and financial aid. Copies of each are sent to high school
counselors to give to students. If you didnt get one, ask your
counselor. Brochures that explain KHEAAs financial aid pro-grams.
Copies are available from KHEAA upon request.
KHEAA administers the following programs to help students pay
for higher education: Robert C. Byrd Honors Scholarship College
Access Program Grant Kentucky Tuition Grant Kentucky Educational
Excellence Scholarship Teacher Scholarship Osteopathic Medicine
Scholarship KHEAA Work-Study Program Federal Stafford Loan Federal
PLUS Loan Kentucky Education Savings Plan Trust Kentuckys
Affordable Prepaid Tuition
KHEAA provides administrative services for the: Early Childhood
Development Scholarship Kentucky National Guard Tuition Award
Program Minority Educator Recruitment and Retention Scholarship For
free information or to send comments or suggestions about KHEAA
publications, contact the publications staff.
Other Publications
-
Affording Higher Education 20062007 KHEAA and The Student Loan
People 3
Some Tips for Finding Money for College
You can do lots of things to increase your chances of getting
scholarships to pay for college. Youll have to do some work, but
youll most likely find its worth it. KHEAA and The Student Loan
People offer the following tips for the research and application
process.
Complete your tax forms early. The same information you and your
parents use on federal income tax forms is used on the Free
Application for Federal Student Aid (FAFSA). The sooner you have
that information, the sooner you can file the FAFSA. But keep
copies of the federal tax forms you file. Some schools will ask for
copies to check against the information you submit on the
FAFSA.
Submit the FAFSA as soon as soon as you can after January 1 if
you plan to go to college in the fall. The FAFSA is used not only
to determine what federal student aid programs youre eligible for
but also what youre eligible for from many state programs. Some
colleges also use the FAFSA to decide if you qualify for
school-based (called institutional aid) programs you. You should
submit the FAFSA online at www.fafsa.ed.gov. Youll get your results
a week or two faster than you if you file by mail. Because answers
are edited automatically, youre less likely to make a mistake and
schools will be able to tell you sooner if you qualify for student
aid. You need a personal identification number (PIN) to file
online. You can apply for a PIN at www.pin.ed.gov. You can file a
paper FAFSA if you prefer. Paper FAFSAs are available from
financial aid offices and high school counselors.
Make good grades in high school. By doing so, you earn money for
college through the Kentucky Educational Excellence Scholarship
(KEES), administered by KHEAA. You dont have to apply for a KEES
award, either. For more information about KEES, see page 8.
Visit kheaa.com, studentloanpeople.com, and GoHigherKY.org.
KHEAAs website has information about KHEAA financial aid programs
and services (including detailed information about the KEES
program) and the College Aid Calculator (developed for KHEAA by
Think Ahead Inc.). The calculator can help you estimate how much
financial aid you might receive and how much you might be expected
to pay toward college costs. You may also access the most
current information about your KHEAA grant, loan and KEES award
by setting up a Zip Access account.
The Student Loan People website provides information about the
lowest cost student loans in Kentucky and the Kentucky Advantage
loan, a private loan that helps students whose financial aid
packages dont cover the complete cost of college.
GoHigherKY.org is a one-stop site sponsored by KHEAA, The
Student Loan People, other state agencies, and colleges to provide
a complete online college and career guide for Kentucky students,
parents, and counselors.
Talk with a financial aid officer at the school youre interested
in attending. This official can tell you about aid programs
available through the school. The mailing addresses, telephone
numbers, and website addresses are provided for each school listed
in this book.
Search for free information about scholarships and other student
aid sources. You should:
Read Funding Your Education, a U.S. Department of Education
booklet with valuable information about student aid. Copies should
be available at public libraries and counselor offices. You can get
more details by calling the Federal Student Aid Information Center
at (800) 4FED-AID or visiting www.ed.gov.
Watch newspapers for scholarships offered by local community
service organizations, businesses, clubs, unions, churches,
fraternal groups, etc., and contact them for more information.
Write to organizations connected with your field of interest,
which may have financial aid available. These organizations are
listed in directories available in public libraries. You can also
probably find many of them online.
Check with community organizations and civic groups such as the
American Legion, the Chamber of Commerce, 4-H Club, Girl or Boy
Scouts, and YMCA. Foundations, religious organizations,
fraternities or sororities, and service clubs are other possible
sources of aid.
http://www.ed.gov/http://www.gohigherky.org/http://www.studentloanpeople.com/
-
Affording Higher Education 20062007 KHEAA and The Student Loan
People4
Each school included in Affording Higher Education must be
participating in a Title IV program and a KHEAA program or be a
public institution. KHEAA has not independently verified
information concerning the programs offered by institutions,
accreditation and licensure, or eligibility of the institutions to
participate in federal Title IV programs of student financial aid.
KHEAA, therefore, makes no representation, express or implied,
about the accuracy of that information but relies on information
submitted by each institution. Some Kentucky schools that provide
financial aid may not meet KHEAAs guidelines for inclusion in
Affording Higher Education or may not have responded to KHEAAs
request for information about their school. Students attending one
of these institutions should check with the schools financial aid
office for information about its financial aid programs.
In addition to the companies and organizations listed in
Affording Higher Education, many others provide student financial
aid. KHEAA welcomes information about these programs for inclusion
in the next edition.
Apply, apply, apply. By applying for several types of student
aid, you increase your chances of receiving enough to pay your
school costs.
Read and follow directions. Filling out an application properly
and neatly is important. You may be disqualified for failing to
complete all questions, answering them incorrectly or missing the
deadlines.
Consult your guidance counselor. This person is an excellent
resource and can tell you about financial aid in general and where
to look for help.
Beware of scams. Before paying a fee for financial aid
information, talk with your counselor; a financial aid officer at
the school you plan to attend; the Better Business Bureau in your
area and the area where the firm is located; and the Office of the
Attorney General, Consumer Protection Division, 1024 Capital Center
Drive, Frankfort, KY 40601, (888) 432-9257. Information about most
sources of aid can be obtained free with a little effort on your
part. Some companies may offer money-back guarantees to students
who dont receive any scholarship sources or funds; but students who
are unsuccessful or not satisfied may find that refunds are
difficult, if not impossible, to obtain. To find out how to spot,
stop, and report a scam, call the National Fraud Information Center
at (800) 876-7060.
Visit the National Association of Student Financial Aid
Administrators online at www.nasfaa.org. This site includes the
full text of helpful publications, has links to related sites, and
can lead you to information about scholarships, scams, and personal
finances.
Check with your high school or public library about books and
magazines that have information about financial aid.
Learn about low-interest loans. You should first try to find
student aid that you dont have to repay - grants, scholarships,
tuition waivers, etc. But most financial aid packages prepared by
schools will include student loans. The largest and lowest cost
student loan program in Kentucky is the Federal Family Education
Loan Program (FFELP), administered by KHEAA and The Student Loan
People. FFELP includes Federal PLUS Loans and Federal Stafford
Loans. Detailed descriptions of these loan programs are on pages
7-8. Borrowers who choose The Student Loan People as their lender
can get the lowest cost student loans in Kentucky through the
BestStart program. You can also save thousands of dollars through
benefits that come into play when you start repaying your student
loans. Detailed descriptions of these programs can be found on
pages 10-11. For more information, call (888) 678-4625 or visit
studentloanpeople.com. (A few schools in Kentucky do not
participate in FFELP. They offer Federal Direct Loans with the same
eligibility as FFELP but without these same great benefits. Check
with the financial aid office.)
Important Web sites
www.kheaa.com
www.nasfaa.org
http://www.nasfaa.org/
-
KHEAA and other state agencies administer dozens of student
financial aid programs. Youll find information about them in
this
section.
KHEAA was established by the Kentucky General Assembly in
1966 to enhance higher education opportunities for Kentucky
students and is now the primary source of state aid. Since
its
creation, the agency has helped hundreds of thousands of
students
pay for college. If you need more information about a KHEAA
program, call toll free (800) 928-8926 or visit kheaa.com.
The Student Loan People, KHEAAs sister agency and the states
only public nonprofit student loan lender, was established by
the
General Assembly to make, finance, service and collect
educational
loans. Its mission is to promote Kentuckys higher education
opportunities by providing the lowest cost loan programs and
related services. The Student Loan People provide the states
lowest cost student loans and transfers millions of dollars
to
KHEAA each year to help fund student aid programs. For more
information about The Student Loan People, call (888)
678-4625
or visit studentloanpeople.com.
StateGovernment
Kentucky Scholarships
Trade Schools
Two-Year Public Colleges
Private Colleges,Universities, and
Seminaries
Public Universities
Federal Government
State Government
Index
5
-
Affording Higher Education 20062007 6 KHEAA and The Student Loan
People
This page intentionally left blank.
-
Affording Higher Education 200620077KHEAA and The Student Loan
People
Deadline: Awards are made until funds are depleted, so students
should file the FAFSA as early as possible.
LoansFederal PLUS Loan (Federal Family Education Loan Program
[FFELP])Eligibility: Must be the parent or step-parent of a
dependent undergraduate student as determined by the school or be a
graduate or professional student; be a citizen, permanent resident,
or eligible noncitizen of the United States and verify Social
Security number and immigration status; not be in default or owe a
refund on any educational grant or loan; and not have an adverse
credit history under federal regulations. The student must be a
citizen, permanent resident, or eligible noncitizen of the United
States; be enrolled or accepted for enrollment at least half-time
in an eligible degree or certificate program at an eligible school;
be in good stand-ing and making satisfactory academic progress if
currently enrolled; not be attending elementary or secondary
school; and not be in default or owe a refund on any educational
grant or loan unless satisfactory arrangements have been made
toward repayment. Repayment: Repayment begins within 60 days after
the loan is fully disbursed. Payments on principal may be deferred
under certain circumstances. Interest begins to accrue upon
disbursement and must be paid monthly or quarterly or be added to
the principal. PLUS Loans have a fixed interest rate of 8.5%.
Award: The annual loan amount may not exceed the students estimated
cost of attendance minus any other financial aid the student
receives. There is no limit on the total amount a parent can borrow
during a students college years. Number: UnlimitedDeadline: The
financial aid office at the school the student plans to attend must
certify the loan application on behalf of the student at the
earliest opportunity before or during the students enroll-ment
period.
____________________________________________
Federal Stafford Loan (FFELP) Eligibility: Must be an
undergraduate, graduate, or professional student; be a citizen,
permanent resident, or eligible noncitizen of the United States; be
enrolled or accepted for enrollment at least half-time in an
eligible degree or certificate program at an eligible school; have
a high school diploma or its equivalent; be in good standing and
making satisfactory academic progress if currently enrolled; and
not be in default or owe a refund on any federal education grant or
loan unless arrangements have been made to repay the debt. Students
must demonstrate financial need to qualify for a subsidized loan.
The federal government pays the inter-est while the student is in
school, during authorized deferment periods, and for six months
after the student ceases to be enrolled at least half-time. The
borrower begins paying the interest and principal when the loan
enters repayment. Students do not have to demonstrate financial
need to qualify for an unsubsi-dized loan. Unlike a subsidized
loan, the borrower must begin paying the interest immediately.
Interest on an unsubsidized loan may be paid monthly or quarterly
or added to the principal balance. Financial need is determined for
the subsidized loan before eligibility is determined for the
unsubsidized loan. The Stafford Loan amount for an aca-demic period
cannot exceed the students cost of attendance (as determined by the
school) minus the students estimated financial assistance and, if
the loan is subsidized, expected family contribu-tion. Schools will
determine the students eligibility. Repayment: Several repayment
plans are available. Six months after the borrower leaves school or
drops below half-time status, repayment begins on a subsidized
loan. Repayment on an unsubsidized loan begins immediately upon
disburse-ment but may be delayed until 6 months after the borrower
leaves school or drops below half-time status; however, interest
begins to accrue upon disbursement. The interest rate is fixed at
6.8%.
Kentucky Higher
Education Assistance
Authority
Contact: Unless otherwise noted, KHEAA, P.O. Box 798, Frankfort,
KY 40602-0798, toll-free phone (800) 928-8926, fax (502) 696-7373,
or website www.kheaa.com; college financial aid office; or high
school guidance counselor
GrantsCollege Access Program GrantEligibility: Must be an
undergraduate enrolled at least half-time at an eligible school; be
a Kentucky resident and a U.S. citizen, permanent resident, or
eligible noncitizen; be enrolled in an eligible program of study of
at least two years duration; not be in default or owe a refund on
any KHEAA or Title IV educational grant or loan; be making
satisfactory academic progress; not have previously earned a
bachelors degree; and have remaining semesters of KHEAA grant
eligibility. Students in a 2-year program may receive the
equivalent of 5 semes-ters, while those in 4-year programs may
receive the equivalent of 9 semesters. Based on financial
need.Award: Up to $1,900Number: About 43,600Deadline: Awards are
made until funds are depleted, so students should file the FAFSA as
early as possible.
____________________________________________
Kentucky Tuition Grant Eligibility: Must be a full-time
under-graduate enrolled at an eligible private Kentucky college; be
a Kentucky resi-dent and a U.S. citizen; be enrolled in an eligible
program of study; not be in default or owe a refund on any
educa-tional grant or loan; be making satisfac-tory academic
progress; and not have previously earned a bachelors degree. Based
on financial need.Award: Up to $2,900Number: About 11,000
State GovernmentKentucky Higher Education Assistance
Authority
-
Affording Higher Education 20062007 8 KHEAA and The Student Loan
People
Award: A borrower may receive a sub-sidized loan, an
unsubsidized loan, or both for an academic period. However, the
total amount received may not exceed the loan limits for each
academic year based on the borrowers dependency status and grade
level and the length of the program of study in which the borrower
is enrolled. The current loan limits are:
Grade Dependent Independent Level Status Status
First Year $2,625 $6,625Second Year $3,500 $7,500Each Remaining
Year of Undergraduate Study $5,500 $10,500Each Year of
Graduate/Professional Study $8,500 $18,500
Number: UnlimitedDeadline: The financial aid office at the
school the student plans to attend must certify the loan
application on behalf of the student at the earliest opportunity
before or during the students enroll-ment period.
____________________________________________
Federal Consolidation Loan (FFELP) Eligibility: Must be in grace
period or repayment status on all loans be-ing consolidated, have
made satisfac-tory repayment arrangements with the holder of each
loan (if a delinquent or defaulted borrower) or agree to repay the
consolidating lender under an income-sensitive repayment plan, not
be subject to a judgment secured through litigation or wage
garnishment unless judgment has been vacated or wage garnishment
lifted, not have a Consolidation Loan application pending with
another lender, and consolidate with the current lender unless the
borrower has multiple lenders and/or his or her lender does not
offer a Consolidation Loan with income-sensi-tive repayment plan.
If a borrower and spouse both want to consolidate their loans into
one Consolidation Loan, they must agree to be jointly and
individu-ally responsible for repayment, without regard to the
amount each owes and any change in marital status.
graduated from high school during the 12-month period from July
1 to June 30 or received a GED during the period from July to June
immediately preced-ing the students first academic year of college;
have applied for admission or have been accepted for enrollment at
a public or private postsecondary school; be a Kentucky resident
and a U.S. citi-zen or national; agree to comply with the
requirements of the school; and be enrolled full-time and pursuing
a course of study.Award: $1,500Number: 85 - 90Deadline: February 15
for high school students; June 30 for GED recipientsContact: Beth
Lane, phone (502) 696-7229, e-mail [email protected] or high school
guidance counselor or adult learning coordinator
____________________________________________
Kentucky Educational Excellence Scholarship (KEES) Eligibility:
To be eligible for a base award, a high school student must be
enrolled in a certified Kentucky high school for at least 140 days
of the school year; be a U.S. citizen, national, or permanent
resident; be a Kentucky resident; achieve a minimum 2.5 GPA at the
end of a school year that included the core curriculum authorized
by KHEAA, which requires students be enrolled in at least 5 courses
each year; and not be a convicted felon. To earn a bonus award, the
student must qualify for at least 1 base award and have a composite
score of at least 15 on the ACT or 710 on the SAT. A student must
graduate from a certi-fied Kentucky high school before GPA awards
can be applied at a participating college or university. To be
eligible for a supplemental award only, a high school student
attending a noncertified, nonpublic Kentucky high school must not
have graduated before May 1999, enroll in a participat-ing school
within 5 years of high school graduation, have a composite score of
at least 15 on the ACT or 710 on the SAT, not be a convicted felon,
and meet citizen and state residency requirements.
State GovernmentKentucky Higher Education Assistance
Authority
The following loans can be consoli-dated: Federal Family
Education Loans (subsidized and unsubsidized Stafford, formerly
Guaranteed Student Loans; PLUS; Supplemental Loans for Students
[SLS], formerly Auxiliary Loans to Assist Students [ALAS]; and
Consoli-dation); Federal Insured Student Loans (FISL); Federal
Perkins Loans, formerly National Direct/Defense Student Loans;
Health Education Assistance Loans (HEAL); Health Professions
Student Loans (HPSL), including Loans for Disadvantaged Students
(LDS); Federal Nursing Student Loans; and Federal Di-rect Loans
(subsidized and unsubsidized Stafford, PLUS, and Consolidation).
New loans may be added if the request is received by the
consolidation lender within 180 days of the date the Consoli-dation
Loan is made. Repayment: The repayment period depends on the amount
of the Consolida-tion Loan. Other student loans are con-sidered
when calculating the repayment period. The consolidation lender
must offer the choice of a graduated or income-sensitive repayment
schedule. If none of the holders of the loans can provide an
income-sensitive repayment schedule, the borrower may obtain a
Consolidation Loan from another lender. Except for the portion of
the Consolidation Loan attributable to HEAL, the interest rate is a
fixed rate of 8.25% or the weighted average of the interest rates
on the loans being consolidated, rounded to the next higher 1/8 of
1%, whichever is less. The interest rate on the HEAL part of the
loan (if applicable) varies and is set each July 1. The variable
rate for each 12-month period is equal to the average of the bond
equivalent rate of the 91-day Treasury bills auctioned for the
quarter ending June 30, plus 3%. The 8.25% interest rate cap does
not apply.Contact: Your lender or KHEAA, toll free (800) 928-8926,
Option #3
ScholarshipsRobert C. Byrd Honors ScholarshipEligibility: Must
show past academic achievement and the potential for continued
academic success; have
-
Affording Higher Education 200620079KHEAA and The Student Loan
People
In addition to Kentuckians attending in-state high schools,
students who maintain Kentucky residency while participating in an
approved foreign educational exchange program or the U.S.
Congressional Page School or whose parent is in active military
service can earn KEES awards. To be eligible for a supplemental
award only, a GED recipient must not have turned 18 before 1999,
receive a GED diploma within five years of turning 18, take the ACT
or SAT at a national test site, have a composite score of 15 or
higher on the ACT or 710 on the SAT, arrange to have the score
reported to the school at which the student plans to enroll, enroll
in a participating school within 5 years of receiving a GED, not be
a convicted felon, and meet citizen-ship and residency
requirements. KEES awards must generally be used in Kentucky.
Students pursuing a degree in a program of study not available in
Kentucky may be able to use a KEES award at an out-of-state school
approved by the CPE.Award: Awards range from $125 (2.5 GPA) to $500
(4.0 GPA) each year and from $36 (ACT score of 15) to $500 (ACT
score of 28 or above). To receive their full awards, college
students must be enrolled full-time. Students enrolled at least
half-time but less than full-time will receive a prorated amount.
Students must earn a 2.5 cumulative GPA at the end of the first
year to keep the full award. After the second and third years,
students must have a 3.0 cumulative GPA to keep the full award.
Students with a GPA of at least 2.5 but less than 3.0 will receive
half the award. Award amounts may change based on funding. Number:
Varies
____________________________________________
Promote Your School ScholarshipEligibility: Must be a high
school junior, be a Kentucky resident, and submit an essay telling
why the students high school is the best in the state. Essay must
be no longer than 200 words. Students from schools that have had a
winner in the previous 5 years are not eligible. Students from
winners school will be
able to participate in a photo shoot, with the photos being used
in KHEAAs publications.Award: $500Number: 1Deadline: November 1
____________________________________________
Mary Jo Young scholarships, see page 16.
Scholarships/LoansKHEAA Teacher ScholarshipEligibility: Must be
a U.S. citizen and Kentucky resident; be seeking initial teacher
certification; and be enrolled or accepted for enrollment as a
full-time student, unless enrolled for the final term and less than
full-time enrollment is required to complete the teacher
cer-tification program. Based on financial need. Students eligible
for renewal receive awards first. After that, awards are made to
qualified students who have been unconditionally admitted to a
teacher education program by their college. If funds remain, awards
are made to qualified students who have not yet been admitted to a
teacher education program but who meet the standards and
requirements for admission and to eligible students seeking
admission to a teacher education program. The students expected
family contribution is taken into account.Award: Juniors, seniors,
postbacca-laureate, and graduate students can get up to $6,250 per
year (up to $2,500 for the fall semester, $2,500 for the spring
semester, and $1,250 for summer school). If funds remain, freshmen
and sophomores can get up to $1,575 per year (up to $625 for the
fall semester, $625 for the spring semester, and $325 for summer
school). Number: About 630 Obligation: Recipients must complete a
teacher education program in the prescribed time, obtain a Kentucky
teaching certificate, and provide quali-fied teaching service one
semester for each semester or summer term they receive a Teacher
Scholarship. Those who teach in a critical shortage area will have
Teacher Scholarship awards
for two semesters or summer terms cancelled for each semester of
qualified teaching service. Recipients who do not complete an
eligible program of study or provide qualified teaching service
must repay the scholarship plus 6% interest from the date of
disbursement. Special rules apply to cancelling repayment for
scholarships received from more than one program for the same
semester.Recipient Responsibilities: In addition to the obligations
above, recipients must immediately notify KHEAA of a change in name
and/or address, a change in enrollment status, withdrawal from an
eligible program, or a change in teacher employment status.
Recipients must also answer requests for information about
enrollment or employment status in a timely manner.Application:
FAFSA and Teacher Scholarship application, available on
www.kheaa.com. Deadline: KHEAA must receive the FAFSA need analysis
data from the Central Processor by May 1 and the Teacher
Scholarship Application must be certified by May 1. This is the
students responsibility.
____________________________________________
Osteopathic Medicine Scholarship Eligibility: Must be a Kentucky
resident accepted for enrollment into Pikeville College School of
Osteopathic Medi-cine.Award: Equal to the difference between the
average in-state tuition at the state public medical schools and
tuition at Pikeville College School of Osteopathic Medicine.
Number: About 100Obligation: Recipients must sign a promissory
note, agreeing to provide a year of qualified service as a primary
care physician in Kentucky for each year the scholarship is
received. Recipients who fail to complete an eligible program of
study or provide qualified medical service must pay in one lump sum
the total scholarship amount plus 6% interest from the date of
disbursement.Deadline: July 1Contact: Teresa L. Jones, Financial
Aid, Pikeville College School of Osteopathic
State GovernmentKentucky Higher Education Assistance
Authority
-
Affording Higher Education 20062007 10 KHEAA and The Student
Loan People
Number: UnlimitedDeadline: May 1
____________________________________________
Best in Class for Teachers in RepaymentEligibility: Stafford
and/or PLUS Loans must be with The Student Loan People to be
eligible for this benefit. Benefit: BestStart benefits, plus
addi-tional benefits described below: Interest forgiveness for each
year of service for all teachers, counselors and librarians working
full-time in Kentucky; up to 20% principal* forgive-ness for
minority teachers and certified teachers of math, science, English
as a second language, foreign language, and special education. This
benefit applies to Stafford, PLUS, and some Consolidation
Loans.Number: UnlimitedDeadline: May 1
____________________________________________
Best in Law for Attorneys in RepaymentEligibility: Must work
full-time as a Kentucky public defender, legal service attorney,
assistant county attorney, as-sistant commonwealths attorney, or
law clerk in the Supreme, Appellate and Circuit Courts; have passed
the Kentucky Bar; and be eligible to practice law in Kentucky.
Stafford and/or PLUS Loans must be with The Student Loan People to
be eligible for this benefit. Benefit: BestStart benefits, plus
addi-tional benefits described below: Interest forgiveness for each
year of service; up to 20% principal* forgive-ness for attorneys
working full-time in Kentucky as a public defender; legal service
attorney; assistant county attorney; assistant commonwealths
attorney; or law clerk in the Supreme, Appellate, or Circuit
Courts. This benefit applies to Stafford, PLUS, and some
Consolidation Loans. Number: UnlimitedDeadline: May 1
guarantees to pay tuition at Kentuckys public colleges or
universities or average tuition at Kentuckys private colleges and
universities in exchange for early tuition purchase by lump sum or
in monthly payments.
The Student
Loan
PeopleSM
Contact: The Student Loan People, P.O. Box 24266, Louisville, KY
40224-0266, www.studentloanpeople.com. All Kentucky schools
participating in the Federal Family Education Loan Program (FFELP)
administered by KHEAA and The Student Loan People can offer these
savings to their student borrowers. A few schools participate in
the Federal Direct Loan Program and do not offer these borrower
benefits.
Forgiveness ProgramsBest in Care for Nurses in
RepaymentEligibility: Must be a licensed regis-tered nurse,
licensed practical nurse, or licensed vocational nurse; have loans
disbursed on or after July 1, 2003; and be working full-time in
Kentucky. Stafford and/or PLUS Loans must be with The Student Loan
People to be eligible for this benefit. Benefit: BestStart
benefits, plus addi-tional benefits described below: Interest
forgiveness for each year of service; up to 20% principal*
forgive-ness for RNs, LPNs and LVNs working full-time in Kentucky
hospitals, public health facilities, long-term care facili-ties,
and nursing education at colleges or universities. This interest
benefit applies to all loans. Principal reduction applies to
Stafford and PLUS Loans only.
Medicine, 214 Sycamore Street, Pikev-ille, KY 41501, phone (606)
437-3461
Work-StudyKHEAA Work-Study ProgramEligibility: Must be a U.S.
citizen and Kentucky resident; be enrolled or ac-cepted for
enrollment at least half-time in a participating Kentucky school;
demonstrate financial need; be in good standing and progressing
satisfactorily toward completion of the education program as
determined by the school and have at least a C average; not be in
default on any financial obligation to KHEAA under any of its
programs; not be participating in other college-ad-ministered work
programs; and execute any employment agreements required by the
school. Priority is given to un-dergraduates. Award: Students must
be paid at least the federal minimum wage. Earnings cannot exceed
total cost of education less other financial aid received.Number:
About 1,100Deadline: None
SavingsKentucky Education Savings Plan Trust Description: Helps
families save for childrens higher education. Deposits can be as
small as $15 if made through payroll deduction, and the Trust
offers investment options designed to help families meet future
higher education costs. Account earnings are exempt from Kentucky
taxes, and any withdrawal used for qualified college expenses is
free of federal income taxes until at least 2010. Account savings
can be used at any qualified school in the nation for tuition,
fees, books, supplies, and certain room and board costs.Contact:
(877) KY TRUST (598-7878) or www.kysaves.com.
____________________________________________
Kentuckys Affordable Prepaid Tuition (KAPT) PlanAllows
Kentuckians to contribute to a childs prepaid tuition account,
which can be used at any accredited college in the country.
Depending on which KAPT plan is purchased, the program
State GovernmentThe Student Loan PeopleSM
http://www.studentloanpeople.com/http://www.kysaves.com/
-
Affording Higher Education 2006200711KHEAA and The Student Loan
People
LoansBestGrad for Graduate Level and Above BorrowersEligibility:
Same eligibility criteria as the Federal PLUS Loan (FFELP). See
page 7 for more details. Choose The Student Loan People as lender
(Lender #826688).Benefits: 0% guarantee fee, 1% inter-est rate
reduction after full disburse-ment (requires timely payments to
retain this benefit), 3.5% credit to the original loan principal
after making the first 30 consecutive on-time payments, and 0.25%
interest rate reduction for automatic paymentsNumber:
UnlimitedDeadline: None
____________________________________________
BestPLUS for Parent BorrowersEligibility: Same eligibility
criteria as the Federal PLUS Loan (FFELP). See page 7 for more
details. Choose The Student Loan People as lender (Lender
#826688).Benefits: 0% guarantee fee, 1% inter-est rate reduction
after full disburse-ment (requires timely payments to retain this
benefit), 3.5% credit to the original loan principal after making
the first 30 consecutive on-time payments, 0.25% interest rate
reduction for auto-matic paymentsNumber: UnlimitedDeadline:
None
____________________________________________
BestStart Stafford Loan (FFELP)Eligibility: Same eligibility
criteria as the Federal Stafford Loan (FFELP). See page 7 for more
details. Choose The Student Loan People as lender (Lender
#826688).Benefits: 0% origination fee, 0% guar-antee fee, 3.5%
credit to the original loan principal after making the first 30
consecutive on-time payments, 0.25% interest rate reduction for
automatic paymentsNumber: UnlimitedDeadline: None
Must provide proof of relationship to the deceased and proof
that the death/dis-ability was duty related.Award: Waiver of any
matriculation or tuition fees at state-supported university,
college, or vocational school.
____________________________________________
Dependents of Deceased Kentucky Law Enforcement Officers and
Firefighters (KRS 164.2841)Eligibility: Must be the child or
non-remarried spouse of a person who was a Kentucky resident on
becoming a law enforcement officer, firefighter, or volunteer
firefighter and who was killed while in active service or training
for active service or who died as a result of a service-connected
disability after June 30, 1989; be enrolled in a state-sup-ported
university, community college, or vocational school; and provide
proof of relationship to the deceased and the circumstances of
death.Award: Full tuition and matriculation fees. This tuition
waiver can be used in addition to other scholarships; any balance
left may be applied toward inci-dental expenses and/or may be
returned to the recipient.Number: Unlimited
____________________________________________
Dependents of Disabled Employees Participating in
State-Administered Retirement Systems (KRS 164.2842)Eligibility:
Must be the spouse or the child (over age 17 and under age 23) of
an employee participating in a state-administered retirement system
who was disabled due to a duty-related injury. Must provide proof
of relationship to the disabled person and proof that the
disability was duty related.Award: Waiver of any matriculation or
tuition fees at state-supported university, community college, or
vocational school for no more than 36 months
____________________________________________
Dependents of Disabled Kentucky Law Enforcement Officers and
Firefighters (KRS 164.2842)Eligibility: Must be the spouse,
regard-less of age, or child (who is over age 17 and under age 23)
of a permanently and totally disabled law enforcement officer,
firefighter, or volunteer fire-
____________________________________________
The Student Loan People AdvantageDescription: Student may
qualify even if student already has a federal student loan or
parents have a PLUS loan; is unable to demonstrate financial need
for a student loan; or is not a full-time student. Benefits: 0%
origination fee; low inter-est rates; loans available from $1,000
to $25,000 per year; and principal and interest deferment options
available while in school. Number: UnlimitedDeadline: None Contact:
www.studentloanpeople.com or phone (800) 416-5176.
*Principal forgiveness not to exceed $10,000 per year or loan
balance, whichever is less.
The Student Loan People make no representa-tion, offer or
promise to be relied upon about continued availability of loan
benefits or about the accuracy or completeness of this printed
in-formation. Benefits may change or be cancelled without notice,
at any time, by operation of ap-plicable laws or by The Student
Loan People, for any reason at its sole discretion. Students are
encouraged to contact The Student Loan People each year they expect
to receive benefits to verify eligibility for and availability of
the loan bene-fits/programs and to contact a tax advisor about tax
consequences of loan benefits.
Commonwealth
of
Kentucky
Contact: Financial aid office of any Kentucky public college or
university
Tuition WaiversDependents of Deceased Employees Participating in
State-Administered Retirement Systems (KRS 164.2841)Eligibility:
Must be the child or nonre-married spouse of an employee
partici-pating in a state-administered retirement system who died
of a duty-related injury.
State GovernmentCommonwealth of Kentucky
http://www.studentloanpeople.com/
-
Affording Higher Education 20062007 12 KHEAA and The Student
Loan People
fighter injured while in active service or in training for
active service while a resident of Kentucky, regardless of when the
disability occurred; be enrolled in a state-supported university,
commu-nity college, or vocational school; and provide proof of
relationship and the qualifying disability.Award: Full tuition and
matriculation fees for up to 36 months.Number: Unlimited
____________________________________________
Senior Citizens (KRS 164.284)Eligibility: Must be age 65 or
older, a Kentucky resident, and enrolled at a state-supported 2- or
4-year college. If classes are full, the school may deny
admission.Award: Waiver of tuition and fees.
____________________________________________
Supervising and Resource Teachers (KRS 164.2845)Eligibility:
Must be a supervising teacher or a resource teacher for teacher
interns and obtain prior approval of the course-offering school.
Space must be available in a course. Colleges are not required to
establish courses to meet teacher requests. The tuition-free
courses may be used to partially satisfy requirements for an
advanced degree.Award: Waiver of tuition up to 6 credit hours per
term at any public college or university.
Kentucky Board
of Nursing
Contact: Richelle Livers, Program Co-ordinator, Nursing
Incentive Scholarship Fund, Kentucky Board of Nursing, 312
Whittington Parkway, Suite 300, Louis-ville, KY 40222-5172, phone
(502) 329-7000, ext. 290, e-mail [email protected], website
www.kbn.ky.gov
Scholarships/LoansNursing Incentive Scholarship Eligibility:
Must be a Kentucky resident,
progress toward completion of a job training program.Award: Up
to $5,000 each year; reap-plication on a semester basisNumber:
UnlimitedDeadline: July 1 for fall semester; De-cember 1 for spring
semesterContact: Fawn Conley, Chafee Indepen-dence Program, 275
East Main Street, 3 C-E, Frankfort, KY 40621, phone (502) 564-2147,
ext. 4497, e-mail [email protected]
Job ServicesKentucky WorksEligibility: Must be a recipient of
the Kentucky Transitional Assistance Program (K-TAP) and enrolled
in an education or training program.Award: Actual cost of child
care not to exceed a maximum set for the geographic area,
transportation payments not to exceed $60 each month, nonrecurring
supportive services for school supplies and uniforms as well as
precomponent expenses not to exceed $400, and $500 vehicle repair
expenses each 12-month period.Number: UnlimitedDeadline: None
ScholarshipsPublic Child Welfare Certification Program
ScholarshipEligibility: Must be a full-time bachelor of social work
major; have a 2.5 overall GPA and a 3.0 GPA in all social work
courses; have at least 3 semesters and not more than 4 semesters
before graduation, have taken a social work practice course prior
to taking the second of 2 PCWCP courses; and attend Brescia
Univer-sity, Campbellsville University, Eastern Kentucky
University, Kentucky State University, Morehead State University,
Murray State University, Northern Ken-tucky University, Spalding
University, the University of Kentucky, or Western Kentucky
University. Must be willing to commit to 2 years of employment
after graduation in Kentuckys Cabinet for Health and Family
Services. Appli-cation process includes written essay,
recommendations, background checks, and interviews with final
approval for
be admitted into an approved prelicen-sure (RN or LPN) or
graduate nursing program, and agree to work as a nurse in any
Kentucky health care facility after education is completed. For
prelicensure and BSN completion nursing programs, students must
complete at least 15 credit hours each academic year of published
requirements for the program of nursing (9 credit hours each
academic year for a graduate nursing program), and maintain a
minimum GPA to allow continuation in the program. The credit hours
can be taken during the fall, spring, and sum-mer sessions.Award:
Varies Number: UnlimitedObligation: Recipients must work as a nurse
in Kentucky 1 year for each school year funded. A recipient who
does not complete the nursing program within the time frame
specified by the program or does not complete the required
em-ployment must repay the scholarship plus interest.Deadline:
Applications must be post-marked January 1 - June 1
Kentucky Cabinet for
Health and
Family Services
Contact: Unless otherwise noted, Cabi-net for Health and Family
Services, Of-fice of the Ombudsman, 275 East Main Street, 1E-B,
Frankfort, KY 40621, toll-free phone (800) 372-2973, TTY (800)
627-4702
GrantsChafee Independence Program, Education Training
VoucherEligibility: Must be a Kentucky under-graduate student
between the ages of 18 and 21 who left state foster care at or
after age 18 or was adopted from state foster care at or after the
age of 16; and be in good standing in a postsecond-ary program or
be making satisfactory
State GovernmentBoard of NursingCabinet for Health and Family
Services
http://www.kbn.ky.gov/
-
Affording Higher Education 2006200713KHEAA and The Student Loan
People
Children, who was in the custody of the Cabinet for Families and
Children or the Department of Juvenile Justice prior to being
adopted by a family that resides in Kentucky, or who was in the
custody of the Cabinet for Families and Children on his or her 18th
birthday. Student must enter college or vocational school no more
than 4 years after graduating from high school. Available to
part-time and full-time undergraduate students. Out-of-state
students meeting eligibility requirements at time of application to
a Kentucky school may apply for a waiver of up to the cost of
in-state tuition.Award: VariesNumber: UnlimitedDeadline: July 1 for
fall semester; De-cember 1 for spring semesterContact: Financial
aid office of Ken-tucky public higher education institu-tions or
Fawn Conley, Chafee Indepen-dence Program, 275 East Main Street, 3
C-E, Frankfort, KY 40621, phone (502) 564-2147, ext. 4497, e-mail
[email protected]
Kentucky
Cabinet for
Workforce Development
Contact: Individual listed under each specific program
Tuition DiscountTrade Adjustment Assistance (TAA)Eligibility:
Must be an adversely af-fected worker, as determined by the U.S.
Department of Labor, who lost a job due to a reduction in the labor
force or total plant closure as a result of foreign trade.Award:
Varies based on tuition, books, and other required supply costs.
Ben-efits available for up to 104 weeks of paid occupational
training, job search assistance, and assistance to relocate to a
new job.Number: UnlimitedDeadline: None
acceptance given by the Cabinet for Health and Family
Services.Award: Full-time in-state tuition will be paid for the
public universities, while private universities will be paid up to
the highest in-state tuition of the 7 public universities. A $1,300
stipend will be awarded for each spring and fall semester and $650
for summer for up to 4 semestersObligation: Be employed with the
Cabinet for Health and Family Services, Department for Community
Based Services, in the social service worker series, within 2
months of graduation and remain employed there for 2 years. If the
obligation is not met or student does not successfully complete the
program, this may result in the forfeiture of all funds received
and the reimbursement to the cabinet for its costs. Number: Varies
Deadline: See university site coordinator for deadline
datesContact: Colleges of social work at eligible schools
TrainingFood Stamp Employment and Training Program
(FSETP)Eligibility: Must be a food stamp recipi-ent enrolled in
FSETP and participating in an education or training program.Award:
$25 each month for miscel-laneous expenses incurred in order to
participate, which includes transporta-tion. Deadline: NoneContact:
Individuals receiving food stamps may request information from
their food stamp caseworker. For general information, call the
local Department for Community Based Services.
WaiverAdopted and Foster Children (KRS 164.2847) Eligibility:
Must be a Kentucky student whose family receives state-funded
adoption assistance under KRS 199.555, who is currently placed in
foster care by the Cabinet for Families and Children or the
Department of Juvenile Justice, who is in an independent living
program funded by the Cabinet for Families and
Contact: Kentucky Division of Work-force Services, 275 East Main
Street, Frankfort, KY 40621, website www.dtr.ky.gov/trade.htm or
the financial aid office of the school the student plans to
attend
____________________________________________
Workforce Investment Act (WIA)Eligibility: Anyone at least 18
years can get services from a number of dif-ferent programs through
a One-Stop Career Center. Each of the 10 workforce investment areas
has satellite centers throughout its region. Youths 1421 can
receive education and employment services as they prepare for the
workforce. To receive services, youth must be low income and have
at least 1 barrier to employment. Contact: The local WIA nearest
you, toll free (877) US-2JOBS (877-872-5627) or Americas Service
Locator at www.servicelocator.org. Local WIAs are:
Barren River Workforce Investment AreaGeorge Leamon,
DirectorP.O. Box 90005Bowling Green, KY 42102-9005(270)
781-2381
Bluegrass Workforce Investment AreaLori Collins, Director699
Perimeter DriveLexington, KY 40517(859) 269-8021
Cumberlands Workforce Investment AreaDarryl McGaha, DirectorP.O.
Box 1570Russell Springs, KY 42642(270) 866-4200
EKCEP Workforce Investment AreaMable Duke, Director941 North
MainHazard, KY 41701(606) 436-5751
State GovernmentCabinet for Workforce Development
http://www.dtr.ky.gov/trade.htmhttp://www.dtr.ky.gov/trade.htmhttp://www.servicelocator.org/http://www.servicelocator.org/
-
Affording Higher Education 20062007 14 KHEAA and The Student
Loan People
Greater Louisville Workforce Investment AreaMichael Gritton,
Director410 West Chestnut Street, Suite 200Louisville, KY
40202(502) 574-2500
Green River Workforce Investment AreaSonya Howard, Director3860
U.S. Highway 60 WestOwensboro, KY 42301(270) 926-4433
Lincoln Trail Workforce Investment AreaSherry Johnson,
DirectorP.O. Box 604Elizabethtown, KY 42702-0604(270) 769-2393
Northern Kentucky Workforce Investment AreaBarbara Stewart,
DirectorEmployment and Training Division22 Spiral DriveFlorence, KY
41042 (859) 283-1885
Purchase/Pennyrile Workforce Investment AreaSheila Clark,
Director300 Hammond DriveHopkinsville, KY 42240(270) 886-9484
TENCO Workforce Investment AreaMarlene Duffy, DirectorP.O. Box
460Maysville, KY 41056(606) 564-6894
Kentucky
Council on
Postsecondary Education
Contact: Unless otherwise noted, Ken-tucky Council on
Postsecondary Educa-tion, 1024, Capital Center Drive, Suite 320,
Frankfort, KY 40601, phone (502) 573-1555, e-mail [email protected],
website www.cpe.ky.gov
Tuition WaiverGED Incentive ProgramEligibility: Must have been
out of high school at least 3 years, be a full-time employee, sign
a learning contract agreement with the employer and adult education
program, spend a minimum of 5 hours each week studying for the GED,
and earn the GED within 1 year.Award: $250 tuition discount per
semes-ter for up to 4 semesters at a Kentucky public college or
universityContact: B. J. Helton, Kentucky Adult Education, Council
on Postsecond-ary Education, 1024 Capital Center Drive, Suite 250,
Frankfort, KY 40601, phone (502) 573-5114, ext. 103, e-mail
[email protected], website www.kyae.ky.gov
____________________________________________
Postsecondary Employee and Faculty Development (KRS
164.020)Eligibility: Must be an employee or faculty member at a
Kentucky public college or university or a state and lo-cally
operated secondary area technol-ogy center.Award: Up to 6 credit
hours of tuition waiver at any public college or univer-sity for an
academic term. Must have prior approval from the course-offering
school.Number: VariesDeadline: Varies
Kentucky Department
for Environmental
Protection
Contact: Financial aid office of Ken-tuckys public universities;
Kentucky Water Resources Research Institute, University of
Kentucky, 233 Mining and Minerals Building, Rose Street,
Lexing-ton, KY 40506-0107, phone (859) 257-1299; Department for
Environmental Protection, 14 Reilly Road, Frankfort, KY 40601,
phone (502) 564-2150
Scholarships/LoansKentucky Environmental and Public Protection
Cabinet ScholarshipEligibility: Must be enrolled in a Ken-tucky
university at the junior, senior, or