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Financial Aid Information


Financial Aid Information

Below is a brief description of federal grant and loan opportunities for qualifiying students who have completed a Free Application for Federal Student Aid (FAFSA).

Federal Student Aid Grants

Federal Pell Grants- The most need-based of the student aid programs, this program provides grant aid to low- and middle-income undergraduate students. Awards vary depending on the cost of attendance and financial circumstances of students and their families.

Federal Supplemental Educational Opportunity Grants (FSEOG)- Participating schools award FSEOG to undergraduate students with exceptional financial need, based on the availability of funds.

Teacher Education Assistance for College and Higher Education Grants (TEACH)- This program provides grant assistance to students who are completing or who plan to complete course work needed to begin a career in teaching. In exchange for the grant, a student must sign an Agreement to Serve as a full-time teacher under certain specific conditions.

Iraq and Afghanistan Service Grants- These formula-based programs make federal funds available to states to assist them in providing student assistance programs for individuals with substantial financial need.

Kentucky State Grants

College Access Program Grants (CAP)- These funds are awarded to undergraduates attending a Kentucky college or trade school at least half-time who demonstrate a substantial financial need. Funds are awarded on a first come, first served basis to students who have completed the FAFSA. Often, the funds are depleted early in the aid year, therefore, students should file a FAFSA early.

Kentucky Tuition Grants (KTG)- These funds are awarded to undergraduates attending a private Kentucky college who demonstrate a substantial financial need as assessed by the Free Application for Federal Student Aid (FAFSA). Students who wish to be considered for KTG funds should file a FAFSA before the state priority deadline.

GoHigher Grants- These funds are awarded to Kentucky residents age 24 or older who have financial need and are enrolled at a participating college less than half-time.  

Federal Student Aid Loans

Direct Loan Program- These funds are lent directly to students for undergraduate and graduate studies, through participating postsecondary schools, with funds borrowed from the U.S. Treasury. Direct Loans include subsidized and unsubsidized loans, PLUS loans for parents and graduate or professional degree students, and consolidation loans, which allow borrowers to combine federal education loan debt.

Note: As a result of the Health Care and Education Reconciliation Act, beginning July 1, 2010, federal student loans are no longer made by private lenders under the Federal Family Education Loan (FFEL) Program. Instead, all new Stafford, PLUS, and Consolidation loans come directly from the U.S. Department of Education under the Direct Loan Program.

Federal Perkins Loans- These loans are made through participating schools to undergraduate, graduate and professional students. These loans are offered to students demonstrating the greatest financial need. Awards are based on a student's need and a school's available funding.

State Loans

Kentucky Advantage Loan- Students or parents may apply for this private loan to supplement the federal financial aid package if necessary.  

Federal Student Aid Work-Study

Work-Study- Work-study programs provide part-time employment for students while they are enrolled in school. Students are paid directly for their work and schools are responsible for administering the program. Award amount varies based on the student's needs and school's funding level.

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 Last Modified 12/6/18