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

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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

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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

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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

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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: publications@kheaa.com

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

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Affording Higher Education 20062007 6 KHEAA and The Student Loan People

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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.

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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.

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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 blane@kheaa.com or high school guidance counselor or adult learning coordinator

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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

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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.

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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

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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

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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.

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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

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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

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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.

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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

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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

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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-

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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

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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.

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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 richeller.livers@ky.gov, 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 fawn.conley@ky.gov

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 fawn.conley@ky.gov

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

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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 cpe@ky.gov, 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 bj.helton@ky.gov, website www.kyae.ky.gov

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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