Financial Aid Office

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 will be attending JCTC for the 2015-2016 Award Year (July 1, 2015 to June 30, 2016) and would like to receive Financial Aid, you must do the following:
    • Complete the 2015-2016 Free Application for Federal Student Aid (FAFSA).
    • The School Code is 006961.
    • If you received financial aid at any other institution during the 2015-2016 Award Year, it will impact funding available to you while in attendance at JCTC during the 2015-2016 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 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 page for more detailed information.

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


Spring 2015 = January 2, 2015 through January 23, 2015 

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 from the "Forms" page on our web site. It may also be available from your Student Self-Service.


  • If you wish to borrow student loans, please go to your 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 at 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. 


  • Regulations 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.

Kentuckiana College Access Center (KCAC) – SEE SPECIAL NOTE BELOW.

Please be aware that while the Kentuckiana College Access Center (KCAC), located on the 7th Floor of the Jefferson Educational Building, provides a tremendous service to our students and we consider them a valuable resource and partner, they are not the Jefferson Community and Technical College (JCTC) FINANCIAL AID OFFICE.  After the initial step of FAFSA completion,  they have no capability to act on your behalf or move your financial aid paperwork forward to completion for aid disbursement.  Please ENSURE that you have submitted any necessary or requested financial aid paperwork to the proper location.

The JCTC FINANCIAL AID OFFICE is located on the 4th Floor of the Jefferson Educational Center.

Phone: 502-584-0475


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