Financial Aid Office


If you will be attending JCTC for the 2016-2017 Award Year (July 1, 2016 to June 30, 2017) and would like to receive Financial Aid, you must do the following:

  • Complete the 2016-2017 Free Application for Federal Student Aid (FAFSA).
  • The School Code is 006961.
  • If you received financial aid at any other institution during the 2016-2017 Award Year, it will impact funding available to you while in attendance at JCTC during the 2016-2017 Award Year.
  • Provide the JCTC Financial Aid Office with information regarding any 3rd Party Financial Resources such as Scholarships, Employer Assistance, etc.
  • Submit any additional documentation requested by the Financial Aid Office.
  • You will be informed of your aid status via your KCTCS Student Self Service – please review this regularly.
  • If your class attendance cannot be confirmed, your aid will not be disbursed.
  • Please review and understand the Satisfactory Academic Progress (SAP) policy.
  • If your SAP status is evaluated to be in “NOT MEETS”, “SUSPEND”, or “MAXIMUM TIME FRAME” status, you will not be eligible for financial aid.
  • Transfer coursework will impact SAP evaluation.
  • Please visit our Satisfactory Academic Progress (SAP) for more detailed information.

This How-To-Apply Video will help you understand the steps of applying for financial aid.  By clicking on this link, you will be leaving the JCTC web site. JCTC is not responsible for the information on their web site.


You may use Financial Aid at any of the college's bookstores from January 1-20.

Please be sure you have a Financial Aid Release (FAR) Form on record. You can obtain the FAR form at the Financial Aid Office or on our "Forms" page. It may also be available from your KCTCS Student Self Service.

The Financial Aid Office takes their role at JCTC very seriously, as they help students fund their educational endeavors.  Funding a college education is a challenge for many families and taking advantage of the student financial assistance provided by federal, state, institutional, and private sources can be confusing and complex.  Typically, these student financial assistance programs have rules and regulations that surround the administration of them and we hope to help you achieve success in understanding all of this, as well as, help you secure funding to assist with the expense you will soon encounter.  The key to receiving aid is applying and doing so in a timely manner.  Because some aid programs are awarded on a first-come, first-serve basis, an early application receives priority consideration for those limited funding sources.

Work very hard to "live like a student." This often means adjusting your lifestyle.  Financial aid is intended to assist you in meeting educational costs - those billed and not billed by JCTC.  And often the aid offered can be heavy on loans.  Financial aid was never intended to cover all of a student's costs.  Additionally, students with spouses and dependents should note that aid typically does not provide enough for family expenses. 


If you wish to borrow student loans, please go to your KCTCS Student Self Service and complete the Online Loan Request. 

Please be advised that loan disbursements for first year, first time borrowers must be delayed 30 days into the term.

To ensure your loan is not delayed, be sure to sign your Master Promissory Note (MPN) and complete Entrance Loan Counseling immediately after you accept your loan.

Please also remember to remain enrolled in at least 6 credit hours or more and to always to be in good academic standing in your coursework.


Satisfactory Academic Progress (SAP) is used to define successful completion of coursework to maintain eligibility for student financial aid.

Federal regulations require the institution to establish, publish and apply standards to monitor your progress towards completion of your certificate or degree program. 


Reguations require that financial aid students begin attendance in each of their classes.

Students who do not attend class are referred to as NO SHOWS and their aid disbursements are withheld until attendance can be proven.

If for some reason the award has already been paid, you'll be required to repay any amount that you are not eligible to receive.


If you receive failing grades because you stop attending classes, you'll be required to repay a portion of federal financial aid unless your instructor can document that you attended class through the 60 percent date of the enrollment period.

If you have other questions about attendance requirements, please contact your Financial Aid Office.


When you are admitted, JCTC establishes a student account for you, identified by your personal ID number, often referred as your EMPL ID. Your student account records all charges (and payments) for tuition, books, and fees.   After you have met all eligibility requirements, financial aid awards are credited to your JCTC student account each semester. Financial aid and scholarship disbursement dates vary each semester. Disbursements generally begin in September (for fall term), February (for spring term), and late June (for summer term).

Aid disbursement will be based on the total number of credit hours you are enrolled in or have completed during the term as of the census date.  The census date is generally the 7th calendar day from the start of the semester.  Therefore, please be sure to register for all of your intended courses by the census date. This is how your financial aid eligibility will be determined. 

Before expecting a financial aid disbursement, make sure the following things are in order:

  1. You must not have any NO REFUND holds on your student account.
  2. Your Financial Aid file must be complete – no missing documents, check your school email account or Student Self-Service To Do List
  3. You must not have any NO SHOW holds on your student record.
  4. For Direct Stafford Loans, ensure you have completed Entrance Loan Counseling.
  5. For Direct Stafford Loans, ensure you have completed the Master Promissory Note.
  6. New student loan borrowers should expect a 30 day delay on their first loan disbursement.

If you have a credit balance (financial aid awards and any other credits are greater than your total bill), you'll receive a refund.

When the refund process begins each semester and after all fees and charges are paid, your financial aid credit is automatically refunded to you. Generally the refund process for the fall begins in early September, for the spring, it begins in early February, and for the summer, it begins in late June.  

JCTC uses the KCTCS Easy Refund Program (HigherOne, Inc.) to process all refunds

Refunds are processed through the Bursar’s office once a week and forwarded to HigherOne for distribution.  The refunds are distributed by HigherOne based on the students selected refund preference.  When you receive your HigherOne Debit card, please visit their website at to select your preferred refund method.  HigherOne will send an email to you once your refund has been processed.   You are responsible for any additional charges placed on your student account after the refund goes through.

Need help filling out your FAFSA?

Kentuckiana College Access Center (KCAC), located on the 7th Floor of the Jefferson Educational Building on the Downtown Campus can help you complete and file your FAFSA. This free service is a valuable resource to our students. However, please note that this is not the Financial Aid Office of JCTC. Once you fill out your FAFSA, you will need to submit any necessary or requested financial aid paperwork to a JCTC Financial Aid office location.


For KCAC FAFSA help call 502-584-0475.

For other Financial Aid questions or assistance please call 855-246-5282 (855-2GO-JCTC) or visit our online Student Service Center.


  • SAP Appeal Process