Types of Aid

Types of Awards offered:

• FWS (Federal Work Study) Award
• KEES (Kentucky Educational Excellence Scholarship) Award
• Parent Plus Award 
• Stafford Loan Award 

State and federal governments provide a number of options:

• Grants, scholarships, and waivers that do not have to be repaid
• Loans, which must be repaid with interest
• The federal work-study program, which provides part-time employment that can also help you pay for college

What kinds of grants are available?

• The Pell Grant
• The Federal Supplemental Educational Opportunity Grant, which offers money to students based on financial need
• The College Access Program also offers money to students based on financial need
• The Academic Competitiveness Grant, which is based on academic requirements

How do student loans work?

• The Federal Stafford Loan Program lends money to undergraduate, graduate, and professional students attending on at least a part-time basis.
• Two types of loans are available:

• Subsidized Stafford Loan, which is based on financial need. The government will pay a portion of the interest you accumulate on this loan, and you repay the balance.
• Unsubsidized Stafford Loan, which does not require students to demonstrate financial need. Students must repay this loan in its entirety, including interest.

How do I apply for grants, loans and work?

• Apply for a federal PIN. Use your PIN to access your personal records and electronically sign federal student aid documents.
• Complete the Free Application for Federal Student Aid (FAFSA).
• File online or get a paper version from our Office of Financial Aid or your high school counselor.
• Watch your e-mail/mail for your financial award notification.
• Contact us, if you need more help.

Contact Information:

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