Financial Aid Office | JCTC

Financial Aid Office

If you will be attending Jefferson for the 2020-2021 Award Year (July 1, 2020 – June 30, 2021) and would like to receive Financial Aid, you must do the following:

  • Complete the 2020-2021 Free Application for Federal Student Aid (FAFSA) at The School Code is 006961. This will require any income information for 2018.
  • Provide the Jefferson 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.
  • Financial Aid funds will not be applied to student’s accounts for the until approximately three weeks after the start of their courses.

If your SAP status is evaluated to be in “NOT MEETS” or “SUSPEND” status, you will not be eligible for financial aid.

Fall 2020 = August 7, 2020 - August 28, 2020


Please be sure you have completed the Financial Aid (Bookstore) release activity on your To-Do List. The task must be 'accepted' before you can change books using anticipated financial aid.

If you are eligible for student loans, we will automatically offer this to you in your award package for the term. You will need to accept, reduce, or decline via your student self-service.

If you choose to pursue student loan funding, please be advised that loan disbursements for the 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), complete Entrance Loan Counseling and complete the Financial Awareness Counseling at immediately after you accept your loan.

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

Federal regulations require that when an undergraduate student is enrolled in a program that is one academic year or more in length, but is in a remaining period of study that is shorter than a full academic year, their Federal Direct Loan amount must be prorated.

Students who graduate in Fall term will have their Federal Direct Loans prorated during their final semester.  The loan limit proration determines the maximum loan amount that a student may borrow for the final term of study based on the degree they are earning.

It is important to notify the student financial aid office if you are graduating in the summer or fall terms.  Your loans could be adjusted after disbursement which could result in a bill with the college.

Use the chart below to determine your eligibility.


Dependent Student

Credit Hours in Final Semester   Subsidized Loans   Unsubsidized Loans   Total Combined  
12 $2250 $1000 $3250
11 $2070 $920 $2990
10 $1890 $840 $2730
9 $1710 $760 $2470
8 $1485 $660 $2145
7 $1305 $580 $1885
6 $1125 $500 $1625

Independent Student

Credit Hours in Final Semester   Subsidized Loans   Unsubsidized Loans   Total Combined  
12 $2250 $3000 $5250
11 $2070 $2760 $4830
10 $1890 $2520 $4410
9 $1710 $2280 $3990
8 $1485 $1980 $3465
7 $1305 $1740 $3045
6 $1125 $1500 $2625

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.

If you are enrolled in a course(s) that does not count toward your degree requirements, the course(s) cannot be used to determine your enrollment status for federal financial aid and state need-based aid purposes. This means you cannot receive federal financial aid and state need-based aid for any course that does not count toward your degree requirements.

If it is determined you are enrolled in a course(s) that does not meet your degree requirements, your aid will be reviewed and any necessary adjustments will be made. You will be responsible for settling any potential outstanding balance created.

If you are aware you are enrolled in a course(s) that does not meet your degree requirements, please notify our office as soon as possible

Make the most of your financial Aid! (video)

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 or you withdraw from your 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, Jefferson 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 Jefferson 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.

Refunds are processed through the Bursar s office once a week and forwarded to BankMobile for distribution. The refunds are distributed by BankMobile based on the students selected refund preference.  BankMobile 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.

Learn more about BankMobile.

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

KentuckianaWorks College Access Center (KCAC) FAFSA help

  • Art Space Building
  • 8th Floor
  • 323 W. Broadway, Louisville, KY 40202

Phone: 502.584.0475

Please call 855.246.5282 (855.2GO.JCTC) or visit our Student Service Center online. The Financial Aid Office is located in the Jefferson Education Center; 200 W. Broadway, Louisville KY 40202