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                    "text": "This graph gives the 2026 median earnings of people in Kentucky over age 25 who worked year-round at a full-time job, based on their level of education, compared to the unemployment rate for each level of education.",
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                    "text": "There are many high-paying jobs in Kentucky that aren't getting filled because there aren't enough people trained in those fields. Kentucky is now offering to pay for this training through the Work Ready Kentucky Scholarship. You can learn more about the scholarship on page 19. The table on the right provides some examples of programs that qualify for the Work Ready Kentucky Scholarship. To learn about these and other careers, visit workreadykentucky.com. To apply for the Work Ready Scholarship, visit kheaa.com.",
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                            "text": "Computer Programmers\nAccountants and Auditors",
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                                "colspan": 1,
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                            "text": "$62,080\n$72,220",
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                            "text": "Web and Digital Interface Designers\nInformation Security Analysts",
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                            "text": "$66,190\n$55,540",
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                    "text": "*Typical average salary in Kentucky. Source: careeronestop.org.",
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                    "text": "**Education is also designated as a top five in-demand workforce sector in Kentucky. However, there were no approved Education programs that fit the Work Ready Kentucky Scholarship criteria at the time this book was printed.",
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                    "text": "Your career has a lot to do with how much money you'll make. Here's how much money certain careers pay in Kentucky. Use the resources listed on page 26 to research the educational requirements of careers that interest you. (Don't expect to make this much right out of college. You need experience, too.)",
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                            "text": "¹",
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                            "text": "Professional Degree",
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                                "colspan": 2,
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                            "text": "Orthodontists\nPediatricians\nPharmacists\nVeterinarians\nDoctoral Degree",
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                            "text": "School superintendents ²\nPhysical Therapists\nHistory professors\nMaster's Degree",
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                            "text": "Nurse Practitioners\nStatisticians\nBachelor's Degree",
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                    "text": "Dreaming of becoming a paid influencer?",
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                    "text": "Preparing for College",
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                    "text": "[p5.19.2]Source: Kentucky Department of Education, education.ky.gov/districts/finrept/pages/school%20district%20personnel%20information.aspx, 2024-2025",
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                            "text": "education.ky.gov/districts/finrept/pages/school%20district%20personnel%20information.aspx,",
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                    "text": "CLASSES TO CAREERS",
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                    "id": "p6.2",
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                    "text": "The chart below shows careers associated with certain types of classes. Think about your favorite classes, then look to see related careers. Do your research to find out the educational requirements for each one.",
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                            "text": "KHEAA Career Fields Skills",
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                            "text": "Talk with your school counselor and parents about:\n● Going to college\n● Ninth-grade courses",
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                            "text": "O Research and apply for summer enrichment programs.",
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                            "text": "● Academic enrichment programs\nO Start planning now, and earn good grades.",
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                            "text": "Activities I want to try:",
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                            "text": "O Take the ACT, PSAT, or SAT.",
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                            "text": "O Research and apply for free summer enrichment programs.",
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                            "text": "O Consider taking AP, IB, CAI, and dual credit courses.",
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                            "text": "Ask your school counselor about Governor's Scholars Program, Governor's School for the Arts, and Governor's School for Entrepreneurs.",
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                    "text": "More detailed monthly timelines can be found on kheaa.com",
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                            "text": "Subject\nLanguage Arts\nMathematics\nScience\nSocial Studies",
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                            "text": "Credits Required ^{{*}}\n4 credits\n4 credits\n3 credits\n3 credits",
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                    "text": "Source: Council on Postsecondary Education",
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                            "text": "Subject\nHealth\nPhysical Education\nVisual and Performing Arts",
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                            "text": "Credits Required ^{{*}}\n1/2 credit\n1/2 credit\n1 credit",
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                            "text": "Other Credits",
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                            "text": "6 credits aligned with\nIndividual Learning Plan (ILP).",
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                    "text": "Preparing for College",
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                    "text": "*Other Graduation Requirements: • Pass state-mandated civics test • Successfully complete a course or program in financial literacy standards\n• Receive instruction in essential workplace ethics • Demonstrate performance-based competency in technology • Complete an annual ILP (6th to 12th grade)",
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                    "text": "In Kentucky, you can't get your learner's permit or driver's license if you don't pass four courses each semester, if you have more than nine unexcused absences or if you drop out. If you already have your permit or license, the Kentucky Transportation Cabinet will take it away.",
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                    "text": "O Start your personalized College Plan (page 11).",
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                    "text": "O Talk with your school counselor or college coach about your college plans and financial aid.",
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                    "text": "O Take the ACT, PSAT, or SAT. Consider a prep course.",
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                    "text": "O Review and search colleges on kheaa.com and begin planning college visits.",
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                    "text": "O Decide if you should take AP exams in May.",
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                    "text": "O Research summer enrichment and honors programs.",
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                            "text": "O Attend a financial aid night to learn about available resources.",
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                            "text": "O Check your KEES award.",
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                    "text": "O Think about lining up a summer job,\ninternship or co-op. Consider shadowing a\njob, or volunteering in your field of interest.\nO Participate in a College Match Day event.",
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                    "text": "O Narrow your list of schools and schedule visits.",
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                    "text": "O Check with your high school counseling office for scholarship resources, including KHEAA's Affording Higher Education (See page 16).",
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                    "text": "O Take or retake the ACT or SAT.",
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                    "text": "O Attend college fairs and financial aid nights.",
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                    "text": "O Watch scholarship deadlines and create a calendar.",
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                    "text": "O Some aid is awarded on a first-come, first-served basis.",
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                    "text": "O Review college acceptance letters and compare financial aid offers.",
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                    "text": "O Decide about a school and send in the deposit by May 1.",
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                    "text": "O Look for a summer job.",
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                    "text": "O Sign up for early registration / orientation / housing / early start.",
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                    "text": "O Look for KHEAA's Thriving in College publication at kheaa.com.\nIf you plan to graduate early, talk with your school counselor and be sure to look ahead on the timeline.",
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                    "text": "O Establish a contact at the college you'll be attending, such as an admissions counselor, coach, or other college representative.",
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                    "text": "O Check with your college to make sure it has received your final transcript, dual credit transcript, and all necessary paperwork.",
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                    "text": "O Follow your school's social media accounts.",
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                    "text": "O Complete entrance counseling and sign Master Promissory Note (MPN) if borrowing student loans.",
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                    "text": "Complete these steps your senior year of high school, or sooner if you plan to graduate early.",
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                            "text": "O Meet your admissions counselor.",
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                            "text": "O Research colleges and conduct campus visits.",
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                            "text": "O Attend campus preview events and college fairs.",
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                            "text": "O Put the finishing touches on your college essays.",
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                            "text": "O Complete admissions applications before your school's deadline.",
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                            "text": "O Obtain letters of recommendation, if needed.",
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                    "text": "O Attend a financial aid workshop at your school or in your community.",
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                    "text": "O Research scholarship opportunities on kheaa.com.",
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                            "text": "O Check email for correspondence from colleges.",
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                            "text": "O Make note of housing application deadlines.",
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                    "text": "O Submit scholarship applications by the required deadline.\nO Continue applying for scholarships to boost your financial aid package.",
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                    "text": "O Evaluate college acceptance letters and decide where you will go by May 1.",
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                    "text": "O Sign up and attend new student registration and orientation as early as possible.",
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                    "text": "O Evaluate aid offers and use them to help make your decision.\nO Accept only the financial aid you need.",
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                    "text": "O Follow your school's social media accounts to stay connected.\nO If assigned a roommate, reach out to them.",
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                    "text": "O Do one last check of your KEES award through your MyKHEAA account on kheaa.com no more than six months after you graduate.",
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                    "text": "List the top three reasons why you want to go to college:"
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                            "text": "List your top college choices:\nAdmissions Requirements:\nApplication Deadline:\nOpen House/Preview Days:\nScholarship Requirements:\nScholarship Deadline:\nHow will you pay for college?\nHow much is your KEES scholarship? (You can find this at kheaa.com.)\nFile the FAFSA as soon as possible! (You can do this at StudentAid.gov.)\nOther scholarships! (You can search for scholarships at kheaa.com.)",
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                    "text": "O Public universities offer programs leading to bachelor's and master's degrees. Some offer doctorates and professional degrees.",
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                    "text": "Preparing for College",
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                    "text": "Take more classes to finish early or graduate on time by completing at least 15 credits per semester, or 30 a year.",
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                    "text": "O You will save money if your school charges the same for taking 15 hours instead of 12. Check your school's tuition schedule online to make sure.",
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                    "text": "O You will maximize KEES awards. You can use it for eight semesters within five years of high school graduation.",
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                    "text": "O You will avoid the cost of an extra year, which could save you thousands of dollars.",
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                    "text": "Know the courses you need to graduate, and meet with your advisor to map out a plan to earn your degree on time.",
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                    "text": "Total credits needed for your degree program\n÷ 4 Years\n= Credits needed per year",
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                    "text": "Take Advantage of Dual Credit Classes",
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                    "text": "Taking dual credit classes in high school can help you complete your degree in less time. A dual credit class lets you earn high school and college credit at the same time. While you have to pay to take dual credit classes, KHEAA administers scholarships to help cover the cost. Check out page 19 for details on these programs. Even if you have to pay out of pocket for a dual credit class, the cost is often much less than what you will pay once you are in college. Talk with your school counselor for more information about dual credit classes offered at your school.",
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                    ]
                },
                {
                    "id": "p14.8",
                    "order": 21,
                    "type": "heading",
                    "bbox": {
                        "l": 321.036,
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                    "text": "You MAY need:",
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                },
                {
                    "id": "p14.9",
                    "order": 22,
                    "type": "list",
                    "bbox": {
                        "l": 339.036,
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                        "r": 585.025708,
                        "b": 418.742
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                    "text": "",
                    "attrs": {
                        "item_count": 6
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                    "children": [
                        {
                            "id": "p14.9.1",
                            "order": 23,
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                                "l": 339.036,
                                "t": 538.284,
                                "r": 585.025708,
                                "b": 527.317
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                            "text": "○ Federal income tax returns, W2s and, other records of money earned",
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                                {
                                    "id": "p14.9.1.1",
                                    "order": 24,
                                    "type": "form_field",
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                                        "label": "○ Federal income tax returns, W2s and, other records of money earned",
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                                        "text_span": 1,
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                            "id": "p14.9.2",
                            "order": 25,
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                                "l": 339.036,
                                "t": 507.384,
                                "r": 518.156911,
                                "b": 496.417
                            },
                            "text": "○ Bank statements and records of investments",
                            "children": [
                                {
                                    "id": "p14.9.2.1",
                                    "order": 26,
                                    "type": "form_field",
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                                        "l": 339.04,
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                                        "b": 496.42
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                                        "label": "○ Bank statements and records of investments",
                                        "source": "glyph_estimate",
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                                        "text_offset": 0,
                                        "text_span": 1,
                                        "label_source": "parent_text",
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                                    "children": []
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                        },
                        {
                            "id": "p14.9.3",
                            "order": 27,
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                                "l": 339.036,
                                "t": 489.684,
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                            "text": "○ Net worth of current businesses or farms",
                            "children": [
                                {
                                    "id": "p14.9.3.1",
                                    "order": 28,
                                    "type": "form_field",
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                                        "l": 339.04,
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                                        "r": 350,
                                        "b": 478.72
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                                    "attrs": {
                                        "field_kind": "radio",
                                        "label": "○ Net worth of current businesses or farms",
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                                        "bbox_estimated": true,
                                        "text_offset": 0,
                                        "text_span": 1,
                                        "label_source": "parent_text",
                                        "label_ref": "p14.9.3"
                                    },
                                    "children": []
                                }
                            ]
                        },
                        {
                            "id": "p14.9.4",
                            "order": 29,
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                                "l": 339.036,
                                "t": 471.984,
                                "r": 449.166754,
                                "b": 461.017
                            },
                            "text": "○ Records of untaxed income",
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                                {
                                    "id": "p14.9.4.1",
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                                    "type": "form_field",
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                                        "r": 350,
                                        "b": 461.02
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                                    "attrs": {
                                        "field_kind": "radio",
                                        "label": "○ Records of untaxed income",
                                        "source": "glyph_estimate",
                                        "bbox_estimated": true,
                                        "text_offset": 0,
                                        "text_span": 1,
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                                    "children": []
                                }
                            ]
                        },
                        {
                            "id": "p14.9.5",
                            "order": 31,
                            "type": "list_item",
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                                "l": 339.036,
                                "t": 454.284,
                                "r": 511.380711,
                                "b": 443.317
                            },
                            "text": "○ Alien Registration # (if eligible non-citizen)",
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                                {
                                    "id": "p14.9.5.1",
                                    "order": 32,
                                    "type": "form_field",
                                    "bbox": {
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                                        "b": 443.32
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                                    "attrs": {
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                                        "label": "○ Alien Registration # (if eligible non-citizen)",
                                        "source": "glyph_estimate",
                                        "bbox_estimated": true,
                                        "text_offset": 0,
                                        "text_span": 1,
                                        "label_source": "parent_text",
                                        "label_ref": "p14.9.5"
                                    },
                                    "children": []
                                }
                            ]
                        },
                        {
                            "id": "p14.9.6",
                            "order": 33,
                            "type": "list_item",
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                                "l": 339.036,
                                "t": 442.227,
                                "r": 533.481696,
                                "b": 418.742
                            },
                            "text": "○ Individual Taxpayer Identification Number (ITIN)",
                            "children": [
                                {
                                    "id": "p14.9.6.1",
                                    "order": 34,
                                    "type": "form_field",
                                    "bbox": {
                                        "l": 339.04,
                                        "t": 442.23,
                                        "r": 351.04,
                                        "b": 430.23
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                                    "text": "",
                                    "attrs": {
                                        "field_kind": "radio",
                                        "label": "○ Individual Taxpayer Identification Number (ITIN)",
                                        "source": "glyph_estimate",
                                        "bbox_estimated": true,
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                                        "text_span": 1,
                                        "label_source": "parent_text",
                                        "label_ref": "p14.9.6"
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                    ]
                },
                {
                    "id": "p14.10",
                    "order": 35,
                    "type": "heading",
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                    "text": "BEFORE YOU START!!",
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                    "level": 3,
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                },
                {
                    "id": "p14.11",
                    "order": 36,
                    "type": "text",
                    "bbox": {
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                    "text": "Your FAFSA can be sent to up to 20 colleges of your choice! You can even submit your FAFSA to a college of interest before you apply for admission. Can't decide? No worries, after your FAFSA is processed you can log on to your account and add more colleges!",
                    "children": []
                },
                {
                    "id": "p14.12",
                    "order": 37,
                    "type": "heading",
                    "bbox": {
                        "l": 46.08,
                        "t": 264.1995,
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                        "b": 210.2078
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                    "text": "The first \"F\" in FAFSA stands for FREE!",
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                    },
                    "level": 3,
                    "children": []
                },
                {
                    "id": "p14.13",
                    "order": 38,
                    "type": "text",
                    "bbox": {
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                        "r": 239.76,
                        "b": 112.3028
                    },
                    "text": "You should never pay to file your FAFSA. If you have StudentAid.gov account or FAFSA questions, contact the Federal Student Aid Information Center at 800.433.3243 for help.",
                    "children": []
                },
                {
                    "id": "p14.14",
                    "order": 39,
                    "type": "figure",
                    "bbox": {
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                },
                {
                    "id": "p14.15",
                    "order": 40,
                    "type": "text",
                    "bbox": {
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                    "text": "Funding Your Future",
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                    },
                    "children": []
                },
                {
                    "id": "p14.16",
                    "order": 41,
                    "type": "footer",
                    "bbox": {
                        "l": 10.56,
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                        "b": 11.7582
                    },
                    "text": "14",
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                }
            ],
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        {
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            "items": [
                {
                    "id": "p15.1",
                    "order": 1,
                    "type": "title",
                    "bbox": {
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                        "t": 759.4836,
                        "r": 572.64,
                        "b": 717.0101
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                    "text": "FOR FEDERAL STUDENT AID",
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                    },
                    "level": 2,
                    "children": []
                },
                {
                    "id": "p15.2",
                    "order": 2,
                    "type": "text",
                    "bbox": {
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                    "text": "The FAFSA is used to apply for federal, state and college-based financial aid. You should file a FAFSA as soon as possible once it opens.",
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                {
                    "id": "p15.3",
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                    "text": "How to file:",
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                },
                {
                    "id": "p15.4",
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                    "type": "text",
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                    "text": "Visit StudentAid.gov (the only safe and secure site to complete your FAFSA)",
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                },
                {
                    "id": "p15.5",
                    "order": 5,
                    "type": "text",
                    "bbox": {
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                    "text": "Create a Student Aid Account (username and password)",
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                },
                {
                    "id": "p15.6",
                    "order": 6,
                    "type": "list",
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                    "text": "",
                    "attrs": {
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                    "children": [
                        {
                            "id": "p15.6.1",
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                            "type": "list_item",
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                                "l": 41.52,
                                "t": 614.0659,
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                            "text": "This will be your permanent access to your aid account for any future applications, as well",
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                        },
                        {
                            "id": "p15.6.2",
                            "order": 8,
                            "type": "list_item",
                            "bbox": {
                                "l": 42.48,
                                "t": 596.0686,
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                            "text": "Dependent students will need at least 1 parent contributor.",
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                        },
                        {
                            "id": "p15.6.3",
                            "order": 9,
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                            "bbox": {
                                "l": 41.52,
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                            "text": "Parent contributors can ONLY be a biological or adoptive mother, father and their spouses as requested",
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                    ]
                },
                {
                    "id": "p15.7",
                    "order": 10,
                    "type": "text",
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                    "text": "Select the FAFSA application for the appropriate school year",
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                },
                {
                    "id": "p15.8",
                    "order": 11,
                    "type": "list_item",
                    "bbox": {
                        "l": 42,
                        "t": 543.2767,
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                        "b": 526.514
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                    "text": "2027 graduates will select the 2027-2028 FAFSA form opening after Oct. 1, 2026",
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                },
                {
                    "id": "p15.9",
                    "order": 12,
                    "type": "text",
                    "bbox": {
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                        "t": 525.5195,
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                    "text": "Complete ALL sections of the form and include all necessary signatures to submit.",
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                },
                {
                    "id": "p15.10",
                    "order": 13,
                    "type": "heading",
                    "bbox": {
                        "l": 20.16,
                        "t": 497.4438,
                        "r": 221.04,
                        "b": 482.3261
                    },
                    "text": "Are you dependent or independent?",
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                    },
                    "level": 3,
                    "children": []
                },
                {
                    "id": "p15.11",
                    "order": 14,
                    "type": "text",
                    "bbox": {
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                    "text": "Most students entering college straight from high school are considered dependent students. You are a dependent student unless at least one of the following applies to you:",
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                },
                {
                    "id": "p15.12",
                    "order": 15,
                    "type": "text",
                    "bbox": {
                        "l": 20.4,
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                    "text": "Were you born before January 1, 2004?",
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                },
                {
                    "id": "p15.13",
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                    "type": "text",
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                    "text": "Are you married or separated but not divorced?",
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                },
                {
                    "id": "p15.14",
                    "order": 17,
                    "type": "text",
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                    "text": "Will you be working toward a master's or doctorate degree (such as MA, MBA, MD, JD, PhD, EdD, etc.)?",
                    "children": []
                },
                {
                    "id": "p15.15",
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                    "type": "text",
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                    "text": "Do you have children who receive more than half of their support from you?",
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                },
                {
                    "id": "p15.16",
                    "order": 19,
                    "type": "text",
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                    "text": "Do you have dependents (other than children or a spouse) who live with you and receive more than half of their support from you?",
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                },
                {
                    "id": "p15.17",
                    "order": 20,
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                    "text": "Are you currently serving on active duty in the U.S. Armed Forces for purposes other than training?",
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                },
                {
                    "id": "p15.18",
                    "order": 21,
                    "type": "text",
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                    "text": "Are you a veteran of the U.S. Armed Forces?",
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                },
                {
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                    "type": "text",
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                    "text": "Are you an emancipated minor or are you in a legal guardianship as determined by the court?",
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                },
                {
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                    "type": "text",
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                    "text": "Are you an unaccompanied youth who is homeless or self-supporting and at risk of being homeless?",
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                },
                {
                    "id": "p15.21",
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                    "type": "heading",
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                    "text": "At any time since you turned age 13:",
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                    "level": 3,
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                },
                {
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                    "attrs": {
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                        {
                            "id": "p15.22.1",
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                            "text": "Were both of your parents deceased?",
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                        },
                        {
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                            "text": "Were you in foster care?",
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                        {
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                            "text": "Were you a ward or dependent of the court?",
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                    ]
                },
                {
                    "id": "p15.23",
                    "order": 29,
                    "type": "text",
                    "bbox": {
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                    "text": "To be eligible to receive federal student aid, you must:",
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                },
                {
                    "id": "p15.24",
                    "order": 30,
                    "type": "text",
                    "bbox": {
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                    "text": "O Demonstrate financial need for most programs.",
                    "children": []
                },
                {
                    "id": "p15.25",
                    "order": 31,
                    "type": "text",
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                    "text": "O Demonstrate you are qualified to enroll in a postsecondary school by:",
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                },
                {
                    "id": "p15.26",
                    "order": 32,
                    "type": "text",
                    "bbox": {
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                    "text": "Receiving a high school diploma or GED.",
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                },
                {
                    "id": "p15.27",
                    "order": 33,
                    "type": "text",
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                    "text": "Completing a high school education in a state-approved home school setting.",
                    "children": []
                },
                {
                    "id": "p15.28",
                    "order": 34,
                    "type": "text",
                    "bbox": {
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                    "text": "Meeting other standards approved by your state.",
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                },
                {
                    "id": "p15.29",
                    "order": 35,
                    "type": "text",
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                    "text": "O Be working toward a degree or certificate in an eligible program.",
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                    "text": "O Be a U.S. citizen or eligible noncitizen.",
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                    "text": "O Maintain satisfactory academic progress once in college.",
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                    "text": "If any of the above apply to you, you're considered an independent student, which means you won't have to include your parent's financial information on the FAFSA. Your college may ask you to submit proof of your independence before you can receive federal student aid. If you think you have an unusual circumstance that would make you independent even though none of the above criteria apply to you, talk with a financial aid counselor at the school you plan to attend.",
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                    "text": "Funding Your Future",
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                    "text": "FEDERAL AID OPTIONS",
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                    "text": "Top 5 reasons for filing the FAFSA",
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                            "text": "1. You might qualify for a grant or scholarship.",
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                            "text": "2. Most schools require it!",
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                            "text": "3. You may be eligible for a work-study position.",
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                            "text": "4. You might need a student loan.",
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                            "text": "5. You might be surprised at the help you get!",
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                    "text": "SIGN YOUR APPLICATION",
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                    "text": "All students must use their StudentAid.gov account to electronically sign their FAFSA. For dependent students, all parents on the FAFSA must also have a different Student Aid Account to electronically sign the application. Every contributor to the FAFSA must sign. If one doesn't, the student could lose thousands of dollars in financial aid. Watch your email closely for notifications and confirmations.",
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                    "text": "TYPES OF FINANCIAL AID",
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                            "text": "GRANTS",
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                            "text": "SCHOLARSHIPS",
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                    "text": "The only way to find out how much federal student aid you are eligible for is to apply. You can apply online at StudentAid.gov.",
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                    "text": "Common Scholarship Myths",
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                            "text": "O Small scholarships aren't worth it.",
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                            "text": "O Too many people apply.",
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                            "text": "O My grades aren't good enough.",
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                            "text": "O I'm not involved in enough/any activities.",
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                            "text": "O They can only be used in Kentucky.",
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                            "text": "O My parents make too much money for me to get scholarships.",
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                            "text": "O Scholarships are only for high school seniors.",
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                            "text": "O I have to write a new essay for every scholarship application.",
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                            "text": "Affording Higher Education",
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                    "text": "Affording Higher Education lists more than 5,000 financial aid programs available to Kentucky students at Kentucky colleges and universities. You can find a copy at your school, public library or online at kheaa.com.",
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                    "text": "Scholarship Checklist:",
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                            "text": "O Check out your KEES award at kheaa.com.",
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                            "text": "O Check out the scholarships in your local area in",
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                            "text": "Affording Higher Education in your counseling office,",
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                            "text": "O Check out scholarships at the colleges you are considering!",
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                            "text": "O Check out over 8,000 scholarships nationwide using the Scholarship Search at kheaa.com.",
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                                    "type": "link",
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                                "l": 41.40239,
                                "t": 389.613,
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                            "text": "O Check out other reliable scholarship search websites or apps like the ones listed on this page.",
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                        {
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                            "text": "O Be prepared to write an essay.",
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                            "text": "O Create a scholarship resume.",
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                            "text": "O Check with your parents' employer or your own.",
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                            "text": "O Ask the college or university about legacy or alumni scholarships.",
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                            "text": "MyScholly.com (requires subscription)",
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                                    "id": "p17.9.4.1",
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                            "text": "Raise.me",
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                                {
                                    "id": "p17.9.5.1",
                                    "order": 44,
                                    "type": "link",
                                    "bbox": {
                                        "l": 379.075,
                                        "t": 300.657,
                                        "r": 428.765,
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                                    "text": "Raise.me",
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                                        "uri": "http://raise.me",
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                                    "id": "p17.9.6.1",
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                                    "id": "p17.9.7.1",
                                    "order": 48,
                                    "type": "link",
                                    "bbox": {
                                        "l": 378.497,
                                        "t": 259.857,
                                        "r": 485.595,
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                                    "text": "Scholarships.com",
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                                        "uri": "http://scholarships.com",
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                                    "children": []
                                }
                            ]
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                        {
                            "id": "p17.9.8",
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                                "r": 506.4,
                                "b": 213.3273
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                            "text": "Scholarships360.org",
                            "children": [
                                {
                                    "id": "p17.9.8.1",
                                    "order": 50,
                                    "type": "link",
                                    "bbox": {
                                        "l": 378.497,
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                                        "b": 214.187
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                                    "text": "Scholarships360.org",
                                    "attrs": {
                                        "uri": "http://scholarships360.org",
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                                }
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                                "l": 368.16,
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                                "r": 458.4,
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                            "text": "TheDream.us",
                            "children": [
                                {
                                    "id": "p17.9.9.1",
                                    "order": 52,
                                    "type": "link",
                                    "bbox": {
                                        "l": 377.936,
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                                        "r": 455.557,
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                                    "text": "TheDream.us",
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                    "text": "",
                    "attrs": {
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                            "id": "p17.10.1",
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                            "type": "link",
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                                "l": 417.212,
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                                "r": 521.02,
                                "b": 43.0466
                            },
                            "text": "Scan for more scholarship info.",
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                                "uri": "https://www.kheaa.com/web/scholarships-grants.faces",
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                    "id": "p17.11",
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                    "text": "Scan for more scholarship info.",
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                    "children": []
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                {
                    "id": "p17.12",
                    "order": 56,
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                    "text": "Funding Your Future",
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                    "children": []
                },
                {
                    "id": "p17.13",
                    "order": 57,
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                    "text": "17",
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            ],
            "ai_page_review": {
                "model": "claude-opus-4-8",
                "applied": true,
                "changed": true,
                "reviewed_at": "2026-09-02T12:47:34+00:00"
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        },
        {
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            "page": 18,
            "width_pt": 612,
            "height_pt": 783,
            "engine": "paddleocr_vl",
            "source_run_id": 610,
            "item_count": 51,
            "counts_by_type": {
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                "figure": 1,
                "footer": 1,
                "footnote": 1,
                "heading": 1,
                "link": 2,
                "table": 2,
                "table_cell": 36,
                "text": 6
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            "build_ms": 11,
            "items": [
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                    "id": "p18.1",
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                    "type": "heading",
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                        "b": 732.6077
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                    "text": "FEDERAL FINANCIAL AID CHART",
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                    },
                    "level": 3,
                    "children": []
                },
                {
                    "id": "p18.2",
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                    "text": "To apply for any of the federal student aid programs, you must complete the FAFSA.",
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                },
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                    "text": "For priority consideration, complete the FAFSA as soon as possible once it opens. A FAFSA renewal must be completed each year that you are in college.",
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                },
                {
                    "id": "p18.4",
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                                "l": 93.4055,
                                "t": 659.28,
                                "r": 490.192992,
                                "b": 626.88423
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                            "text": "Programs\nGrants — financial aid awards generally based on financial need. A grant usually doesn't have to be repaid.",
                            "attrs": {
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                                "rowspan": 1,
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                                "l": 253.677343,
                                "t": 659.28,
                                "r": 353.020034,
                                "b": 645.91
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                            "text": "General Eligibility",
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                            "text": "Annual Award Amounts",
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                            "text": "Federal Pell Grant",
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                                "colspan": 1,
                                "bbox_refit": true
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                        {
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                            "text": "Undergraduate student with financial need. Must be enrolled at least half time.",
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                            "text": "The maximum Pell Grant for the 2026–2027 award year is $7,395.",
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                            "text": "Federal Supplemental Educational Opportunity Grant\nTEACH Grant",
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                            "text": "Undergraduate student with exceptional financial need. Federal Pell Grant recipients receive priority.\nUndergraduate, post-baccalaureate or graduate student enrolled in coursework necessary to begin a career in teaching. Must agree to serve as a full-time teacher in a high-need field in a public or private elementary or secondary school that serves low-income students. Visit StudentAid.gov/understand-aid/types/grants/teach for a listing of schools and programs.",
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                                    "text": "StudentAid.gov/understand-aid/types/grants/teach",
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                            "text": "Up to $4,000 per year. Amount can vary by institution.\nUp to $4,000. If you do not teach as required, the grant becomes a loan and must be repaid.",
                            "attrs": {
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                        {
                            "id": "p18.4.10",
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                                "r": 509.00276,
                                "b": 481.12
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                            "text": "Work-Study — part-time employment that lets you earn money while taking classes. Your job may be on or off campus.",
                            "attrs": {
                                "row": 3,
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                                "rowspan": 1,
                                "colspan": 3,
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                        },
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                            "id": "p18.4.11",
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                            "bbox": {
                                "l": 58.8,
                                "t": 470.518,
                                "r": 124.634112,
                                "b": 461.545
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                            "text": "Federal Work-Study",
                            "attrs": {
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                                "col": 0,
                                "rowspan": 1,
                                "colspan": 1,
                                "bbox_refit": true
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                        },
                        {
                            "id": "p18.4.12",
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                            "type": "table_cell",
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                                "l": 189.588,
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                                "r": 393.935013,
                                "b": 450.745
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                            "text": "Full-time or part-time undergraduate, graduate or professional student.",
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                                "col": 1,
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                                "colspan": 1,
                                "bbox_refit": true
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                            "text": "At least minimum wage.",
                            "attrs": {
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                                "col": 2,
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                        },
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                            "id": "p18.4.14",
                            "order": 19,
                            "type": "table_cell",
                            "bbox": {
                                "l": 157.444,
                                "t": 445.448,
                                "r": 470.919556,
                                "b": 434.481
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                            "text": "Loans — money borrowed from the government or school and must be repaid.",
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                                "colspan": 3,
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                            "bbox": {
                                "l": 58.8,
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                            "text": "Direct Loan",
                            "attrs": {
                                "row": 6,
                                "col": 0,
                                "rowspan": 1,
                                "colspan": 1,
                                "bbox_refit": true
                            },
                            "children": []
                        },
                        {
                            "id": "p18.4.16",
                            "order": 21,
                            "type": "table_cell",
                            "bbox": {
                                "l": 189.587909,
                                "t": 420.092,
                                "r": 406.844603,
                                "b": 400.319
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                            "text": "Undergraduate, graduate or professional student enrolled at least half time.",
                            "attrs": {
                                "row": 6,
                                "col": 1,
                                "rowspan": 1,
                                "colspan": 1,
                                "bbox_refit": true
                            },
                            "children": []
                        },
                        {
                            "id": "p18.4.17",
                            "order": 22,
                            "type": "table_cell",
                            "bbox": {
                                "l": 425.1,
                                "t": 420.092,
                                "r": 567.082133,
                                "b": 378.719
                            },
                            "text": "Depends on grade level and dependency status. Maximum for undergraduate: $5,500–$12,500; graduate or professional student: $9,500–$20,500.",
                            "attrs": {
                                "row": 6,
                                "col": 2,
                                "rowspan": 1,
                                "colspan": 1,
                                "bbox_refit": true
                            },
                            "children": []
                        },
                        {
                            "id": "p18.4.18",
                            "order": 23,
                            "type": "table_cell",
                            "bbox": {
                                "l": 58.8,
                                "t": 361.115,
                                "r": 116.497813,
                                "b": 352.142
                            },
                            "text": "Direct PLUS Loan",
                            "attrs": {
                                "row": 7,
                                "col": 0,
                                "rowspan": 1,
                                "colspan": 1,
                                "bbox_refit": true
                            },
                            "children": []
                        },
                        {
                            "id": "p18.4.19",
                            "order": 24,
                            "type": "table_cell",
                            "bbox": {
                                "l": 189.587893,
                                "t": 361.115,
                                "r": 406.204703,
                                "b": 330.542
                            },
                            "text": "Graduate or professional student or parent of dependent undergraduate student enrolled at least half time. Credit approval required.",
                            "attrs": {
                                "row": 7,
                                "col": 1,
                                "rowspan": 1,
                                "colspan": 1,
                                "bbox_refit": true
                            },
                            "children": []
                        },
                        {
                            "id": "p18.4.20",
                            "order": 25,
                            "type": "table_cell",
                            "bbox": {
                                "l": 425.1,
                                "t": 361.115,
                                "r": 569.577,
                                "b": 341.342
                            },
                            "text": "Cost of attendance less the amount of other aid received.",
                            "attrs": {
                                "row": 7,
                                "col": 2,
                                "rowspan": 1,
                                "colspan": 1,
                                "bbox_refit": true
                            },
                            "children": []
                        }
                    ]
                },
                {
                    "id": "p18.5",
                    "order": 26,
                    "type": "footnote",
                    "bbox": {
                        "l": 57.84,
                        "t": 295.1548,
                        "r": 241.68,
                        "b": 282.9166
                    },
                    "text": "[p18.11.1] Programs are subject to change based on federal legislation.",
                    "attrs": {
                        "block_label": "vision_footnote"
                    },
                    "children": [
                        {
                            "id": "p18.5.1",
                            "order": 27,
                            "type": "text",
                            "bbox": {
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                                "r": 241.68,
                                "b": 282.9166
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                            "text": "^{*}",
                            "attrs": {
                                "inline": true,
                                "text_offset": 0,
                                "text_span": 10,
                                "bbox_estimated": true
                            },
                            "children": []
                        }
                    ]
                },
                {
                    "id": "p18.6",
                    "order": 28,
                    "type": "caption",
                    "bbox": {
                        "l": 123.84,
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                        "r": 250.8,
                        "b": 247.4021
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                    "text": "Direct Loan Limits",
                    "attrs": {
                        "block_label": "figure_title"
                    },
                    "children": []
                },
                {
                    "id": "p18.7",
                    "order": 29,
                    "type": "table",
                    "bbox": {
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                        "r": 323.04,
                        "b": 58.3111
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                    "text": "",
                    "attrs": {
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                        "n_cols": 3,
                        "integrity": {
                            "cells_checked": 15,
                            "cells_flagged": 0
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                    },
                    "children": [
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                            "id": "p18.7.1",
                            "order": 30,
                            "type": "table_cell",
                            "bbox": {
                                "l": 82.8922,
                                "t": 241.71400000000006,
                                "r": 135.641031,
                                "b": 231.784
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                            "text": "Grade Level",
                            "attrs": {
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                                "col": 0,
                                "rowspan": 1,
                                "colspan": 1,
                                "bbox_refit": true,
                                "column_header": true,
                                "header_source": "heuristic"
                            },
                            "children": []
                        },
                        {
                            "id": "p18.7.2",
                            "order": 31,
                            "type": "table_cell",
                            "bbox": {
                                "l": 175.132431,
                                "t": 241.71400000000006,
                                "r": 224.942431,
                                "b": 220.98400000000004
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                            "text": "Dependent Status",
                            "attrs": {
                                "row": 0,
                                "col": 1,
                                "rowspan": 1,
                                "colspan": 1,
                                "bbox_refit": true,
                                "column_header": true,
                                "header_source": "heuristic"
                            },
                            "children": []
                        },
                        {
                            "id": "p18.7.3",
                            "order": 32,
                            "type": "table_cell",
                            "bbox": {
                                "l": 234.0619,
                                "t": 241.71400000000006,
                                "r": 321.580831,
                                "b": 231.784
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                            "text": "Independent Status",
                            "attrs": {
                                "row": 0,
                                "col": 2,
                                "rowspan": 1,
                                "colspan": 1,
                                "bbox_refit": true,
                                "column_header": true,
                                "header_source": "heuristic"
                            },
                            "children": []
                        },
                        {
                            "id": "p18.7.4",
                            "order": 33,
                            "type": "table_cell",
                            "bbox": {
                                "l": 55.8419,
                                "t": 215.77380000000005,
                                "r": 111.991117,
                                "b": 190.70399999999995
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                            "text": "First Year\nSecond Year",
                            "attrs": {
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                                "col": 0,
                                "rowspan": 1,
                                "colspan": 1,
                                "bbox_refit": true,
                                "merged_continuation": true
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                            "children": []
                        },
                        {
                            "id": "p18.7.5",
                            "order": 34,
                            "type": "table_cell",
                            "bbox": {
                                "l": 188.311861,
                                "t": 215.77380000000005,
                                "r": 219.892056,
                                "b": 190.70399999999995
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                            "text": "$5,500\n$6,500",
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                                "col": 1,
                                "rowspan": 1,
                                "colspan": 1,
                                "bbox_refit": true,
                                "merged_continuation": true
                            },
                            "children": []
                        },
                        {
                            "id": "p18.7.6",
                            "order": 35,
                            "type": "table_cell",
                            "bbox": {
                                "l": 271.291956,
                                "t": 215.77380000000005,
                                "r": 308.781956,
                                "b": 190.70399999999995
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                            "text": "$9,500\n$10,500",
                            "attrs": {
                                "row": 1,
                                "col": 2,
                                "rowspan": 1,
                                "colspan": 1,
                                "bbox_refit": true,
                                "merged_continuation": true
                            },
                            "children": []
                        },
                        {
                            "id": "p18.7.7",
                            "order": 36,
                            "type": "table_cell",
                            "bbox": {
                                "l": 55.861956,
                                "t": 185.284,
                                "r": 159.571077,
                                "b": 163.35400000000004
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                            "text": "Each Remaining Year of Undergraduate Study",
                            "attrs": {
                                "row": 2,
                                "col": 0,
                                "rowspan": 1,
                                "colspan": 1,
                                "bbox_refit": true
                            },
                            "children": []
                        },
                        {
                            "id": "p18.7.8",
                            "order": 37,
                            "type": "table_cell",
                            "bbox": {
                                "l": 188.331956,
                                "t": 173.284,
                                "r": 219.901956,
                                "b": 163.35400000000004
                            },
                            "text": "$7,500",
                            "attrs": {
                                "row": 2,
                                "col": 1,
                                "rowspan": 1,
                                "colspan": 1,
                                "bbox_refit": true
                            },
                            "children": []
                        },
                        {
                            "id": "p18.7.9",
                            "order": 38,
                            "type": "table_cell",
                            "bbox": {
                                "l": 271.301856,
                                "t": 173.284,
                                "r": 308.791856,
                                "b": 163.35400000000004
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                            "text": "$12,500",
                            "attrs": {
                                "row": 2,
                                "col": 2,
                                "rowspan": 1,
                                "colspan": 1,
                                "bbox_refit": true
                            },
                            "children": []
                        },
                        {
                            "id": "p18.7.10",
                            "order": 39,
                            "type": "table_cell",
                            "bbox": {
                                "l": 55.871856,
                                "t": 158.14419999999996,
                                "r": 110.931778,
                                "b": 148.2142
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                            "text": "Each Year of Graduate/Professional Study",
                            "attrs": {
                                "row": 3,
                                "col": 0,
                                "rowspan": 1,
                                "colspan": 1,
                                "bbox_refit": true
                            },
                            "children": []
                        },
                        {
                            "id": "p18.7.11",
                            "order": 40,
                            "type": "table_cell",
                            "bbox": {
                                "l": 142.72,
                                "t": 163.2283,
                                "r": 232.88,
                                "b": 142.2449
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                            "text": "",
                            "attrs": {
                                "row": 3,
                                "col": 1,
                                "rowspan": 1,
                                "colspan": 1
                            },
                            "children": []
                        },
                        {
                            "id": "p18.7.12",
                            "order": 41,
                            "type": "table_cell",
                            "bbox": {
                                "l": 271.311556,
                                "t": 146.14419999999996,
                                "r": 308.801556,
                                "b": 136.2142
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                            "text": "$20,500",
                            "attrs": {
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                                "col": 2,
                                "rowspan": 1,
                                "colspan": 1,
                                "bbox_refit": true
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                            "children": []
                        },
                        {
                            "id": "p18.7.13",
                            "order": 42,
                            "type": "table_cell",
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                                "t": 130.50400000000002,
                                "r": 120.540772,
                                "b": 88.2944
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                            "text": "Who Borrows?\nLoan Limits\nInterest Rate",
                            "attrs": {
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                                "rowspan": 1,
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                            "order": 43,
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                                "l": 190.571356,
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                                "r": 300.721356,
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                            "text": "Student\nAnnual/Cumulative\nUndergraduate — 6.39% Graduate/Professional — 7.94%",
                            "attrs": {
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                            "children": []
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                            "id": "p18.7.15",
                            "order": 44,
                            "type": "table_cell",
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                                "t": 70.08460000000002,
                                "r": 113.540688,
                                "b": 60.15459999999996
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                            "text": "Credit review",
                            "attrs": {
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                                "rowspan": 1,
                                "colspan": 1,
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                        },
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                            "id": "p18.7.16",
                            "order": 45,
                            "type": "table_cell",
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                                "t": 70.08460000000002,
                                "r": 252.011688,
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                            "text": "No",
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                                "rowspan": 1,
                                "colspan": 2,
                                "bbox_refit": true
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                },
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                    "id": "p18.8",
                    "order": 46,
                    "type": "text",
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                    "text": "Federal financial aid eligibility requirements and award amounts are subject to change. For the most up-to-date information, including interest rates, visit StudentAid.gov.",
                    "children": [
                        {
                            "id": "p18.8.1",
                            "order": 47,
                            "type": "link",
                            "bbox": {
                                "l": 451.162,
                                "t": 220.844,
                                "r": 515.756,
                                "b": 202.466
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                            "text": "StudentAid.gov.",
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                                "uri": "http://studentaid.gov",
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                            "children": []
                        }
                    ]
                },
                {
                    "id": "p18.9",
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                    "children": []
                },
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                    "bbox": {
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                    "text": "First, get all the \"free\" money you can for school. That means grants and scholarships. If you need more, try work-study or you can get a student loan.",
                    "children": []
                },
                {
                    "id": "p18.11",
                    "order": 50,
                    "type": "text",
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                    "text": "Funding Your Future",
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                        "block_label": "aside_text"
                    },
                    "children": []
                },
                {
                    "id": "p18.12",
                    "order": 51,
                    "type": "footer",
                    "bbox": {
                        "l": 12,
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                        "b": 12.7181
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                    "text": "18",
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            ],
            "ai_page_review": {
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            "build_ms": 17,
            "items": [
                {
                    "id": "p19.1",
                    "order": 1,
                    "type": "heading",
                    "bbox": {
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                    "text": "STATE FINANCIAL AID CHART",
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                    "level": 3,
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                },
                {
                    "id": "p19.2",
                    "order": 2,
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                    "text": "KHEAA administers the following programs to enhance higher education opportunities for Kentucky students. Since its creation, KHEAA has helped hundreds of thousands of students pay for higher education.",
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                                    "text": "Kentucky Educational Excellence Scholarship (KEES)"
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                            "text": "Type of Aid",
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                            "text": "Eligibility",
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                            "id": "p19.3.3",
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                                "l": 312.265157,
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                            "text": "Award Amount",
                            "attrs": {
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                            "order": 7,
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                            "text": "Application",
                            "attrs": {
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                            "id": "p19.3.5",
                            "order": 8,
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                                "l": 504.025169,
                                "t": 667.14,
                                "r": 539.205169,
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                            "text": "Deadline",
                            "attrs": {
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                                "col": 4,
                                "rowspan": 1,
                                "colspan": 1,
                                "bbox_refit": true,
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                            "id": "p19.3.6",
                            "order": 9,
                            "type": "table_cell",
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                                "l": 32.38983,
                                "t": 650.0322,
                                "r": 56.030275,
                                "b": 642.4082
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                            "text": "Grants",
                            "attrs": {
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                                "rowspan": 1,
                                "colspan": 5,
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                            },
                            "children": []
                        },
                        {
                            "id": "p19.3.7",
                            "order": 10,
                            "type": "table_cell",
                            "bbox": {
                                "l": 30.1398,
                                "t": 636.782,
                                "r": 80.295731,
                                "b": 606.2090000000001
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                            "text": "College Access Program (CAP) Grant",
                            "attrs": {
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                                "rowspan": 1,
                                "colspan": 1,
                                "bbox_refit": true
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                        },
                        {
                            "id": "p19.3.8",
                            "order": 11,
                            "type": "table_cell",
                            "bbox": {
                                "l": 96.164,
                                "t": 636.782,
                                "r": 276.511361,
                                "b": 617.009
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                            "text": "Undergraduates attending a Kentucky college or trade school at least half time.",
                            "attrs": {
                                "row": 2,
                                "col": 1,
                                "rowspan": 1,
                                "colspan": 1,
                                "bbox_refit": true
                            },
                            "children": []
                        },
                        {
                            "id": "p19.3.9",
                            "order": 12,
                            "type": "table_cell",
                            "bbox": {
                                "l": 295.064,
                                "t": 636.782,
                                "r": 338.894,
                                "b": 627.809
                            },
                            "text": "Up to $5,300",
                            "attrs": {
                                "row": 2,
                                "col": 2,
                                "rowspan": 1,
                                "colspan": 1,
                                "bbox_refit": true
                            },
                            "children": []
                        },
                        {
                            "id": "p19.3.10",
                            "order": 13,
                            "type": "table_cell",
                            "bbox": {
                                "l": 395.684117,
                                "t": 599.0992,
                                "r": 417.364979,
                                "b": 590.1262
                            },
                            "text": "FAFSA",
                            "attrs": {
                                "row": 2,
                                "col": 3,
                                "rowspan": 1,
                                "colspan": 1,
                                "bbox_refit": true
                            },
                            "children": []
                        },
                        {
                            "id": "p19.3.11",
                            "order": 14,
                            "type": "table_cell",
                            "bbox": {
                                "l": 491.6422,
                                "t": 599.0992,
                                "r": 539.324339,
                                "b": 579.3262
                            },
                            "text": "File as soon as possible ^{{*}}",
                            "attrs": {
                                "row": 2,
                                "col": 4,
                                "rowspan": 1,
                                "colspan": 1,
                                "bbox_refit": true
                            },
                            "children": []
                        },
                        {
                            "id": "p19.3.12",
                            "order": 15,
                            "type": "table_cell",
                            "bbox": {
                                "l": 30.14,
                                "t": 599.0992,
                                "r": 86.118969,
                                "b": 579.3262
                            },
                            "text": "Kentucky Tuition Grant (KTG)",
                            "attrs": {
                                "row": 3,
                                "col": 0,
                                "rowspan": 1,
                                "colspan": 1,
                                "bbox_refit": true
                            },
                            "children": []
                        },
                        {
                            "id": "p19.3.13",
                            "order": 16,
                            "type": "table_cell",
                            "bbox": {
                                "l": 96.1642,
                                "t": 599.0992,
                                "r": 279.868787,
                                "b": 590.1262
                            },
                            "text": "Full-time undergraduates at a private Kentucky college.",
                            "attrs": {
                                "row": 3,
                                "col": 1,
                                "rowspan": 1,
                                "colspan": 1,
                                "bbox_refit": true
                            },
                            "children": []
                        },
                        {
                            "id": "p19.3.14",
                            "order": 17,
                            "type": "table_cell",
                            "bbox": {
                                "l": 295.064207,
                                "t": 599.0992,
                                "r": 338.894207,
                                "b": 590.1262
                            },
                            "text": "Up to $3,500",
                            "attrs": {
                                "row": 3,
                                "col": 2,
                                "rowspan": 1,
                                "colspan": 1,
                                "bbox_refit": true
                            },
                            "children": []
                        },
                        {
                            "id": "p19.3.15",
                            "order": 18,
                            "type": "table_cell",
                            "bbox": {
                                "l": 395.68391,
                                "t": 636.782,
                                "r": 417.364771,
                                "b": 627.809
                            },
                            "text": "FAFSA",
                            "attrs": {
                                "row": 3,
                                "col": 3,
                                "rowspan": 1,
                                "colspan": 1,
                                "bbox_refit": true
                            },
                            "children": []
                        },
                        {
                            "id": "p19.3.16",
                            "order": 19,
                            "type": "table_cell",
                            "bbox": {
                                "l": 491.642,
                                "t": 636.782,
                                "r": 539.324131,
                                "b": 617.009
                            },
                            "text": "File as soon as possible ^{{*}}",
                            "attrs": {
                                "row": 3,
                                "col": 4,
                                "rowspan": 1,
                                "colspan": 1,
                                "bbox_refit": true
                            },
                            "children": []
                        },
                        {
                            "id": "p19.3.17",
                            "order": 20,
                            "type": "table_cell",
                            "bbox": {
                                "l": 32.3898,
                                "t": 561.4929999999999,
                                "r": 77.711219,
                                "b": 553.869
                            },
                            "text": "Scholarships",
                            "attrs": {
                                "row": 4,
                                "col": 0,
                                "rowspan": 1,
                                "colspan": 5,
                                "bbox_refit": true
                            },
                            "children": []
                        },
                        {
                            "id": "p19.3.18",
                            "order": 21,
                            "type": "table_cell",
                            "bbox": {
                                "l": 30.1422,
                                "t": 545.069,
                                "r": 65.5742,
                                "b": 526.293
                            },
                            "text": "Dual Credit Scholarship",
                            "attrs": {
                                "row": 5,
                                "col": 0,
                                "rowspan": 1,
                                "colspan": 1,
                                "bbox_refit": true
                            },
                            "children": []
                        },
                        {
                            "id": "p19.3.19",
                            "order": 22,
                            "type": "table_cell",
                            "bbox": {
                                "l": 96.166,
                                "t": 545.069,
                                "r": 286.274849,
                                "b": 515.4929999999999
                            },
                            "text": "Kentucky high school students in grades 11–12 who are enrolled in dual credit courses at a participating Kentucky college or university.",
                            "attrs": {
                                "row": 5,
                                "col": 1,
                                "rowspan": 1,
                                "colspan": 1,
                                "bbox_refit": true
                            },
                            "children": []
                        },
                        {
                            "id": "p19.3.20",
                            "order": 23,
                            "type": "table_cell",
                            "bbox": {
                                "l": 295.062,
                                "t": 545.069,
                                "r": 385.324058,
                                "b": 515.4929999999999
                            },
                            "text": "Limited to one course junior year and one course senior year, up to $99 per credit hour.",
                            "attrs": {
                                "row": 5,
                                "col": 2,
                                "rowspan": 1,
                                "colspan": 1,
                                "bbox_refit": true
                            },
                            "children": []
                        },
                        {
                            "id": "p19.3.21",
                            "order": 24,
                            "type": "table_cell",
                            "bbox": {
                                "l": 395.702,
                                "t": 380.4291,
                                "r": 479.052517,
                                "b": 307.6531
                            },
                            "text": "Kentucky public high schools identify dual credit students to KHEAA. After receipt, KHEAA will put links on MyKHEAA for students to submit preferences for scholarship assistance.",
                            "attrs": {
                                "row": 5,
                                "col": 3,
                                "rowspan": 1,
                                "colspan": 1,
                                "bbox_refit": true
                            },
                            "children": []
                        },
                        {
                            "id": "p19.3.22",
                            "order": 25,
                            "type": "table_cell",
                            "bbox": {
                                "l": 491.6622,
                                "t": 380.4291,
                                "r": 545.966059,
                                "b": 329.2531
                            },
                            "text": "October 1 for fall semester;\\nMarch 1 for spring semester and all other requests.",
                            "attrs": {
                                "row": 5,
                                "col": 4,
                                "rowspan": 1,
                                "colspan": 1,
                                "bbox_refit": true
                            },
                            "children": []
                        },
                        {
                            "id": "p19.3.23",
                            "order": 26,
                            "type": "table_cell",
                            "bbox": {
                                "l": 25.2,
                                "t": 342.7155,
                                "r": 131.232,
                                "b": 287.6919
                            },
                            "text": "Kentucky Educational Excellence Scholarship (KEES)",
                            "attrs": {
                                "row": 6,
                                "col": 0,
                                "rowspan": 1,
                                "colspan": 1
                            },
                            "children": []
                        },
                        {
                            "id": "p19.3.24",
                            "order": 27,
                            "type": "table_cell",
                            "bbox": {
                                "l": 96.174,
                                "t": 452.1811,
                                "r": 274.826675,
                                "b": 444.2051
                            },
                            "text": "Check pages 22–23 of this booklet for eligibility information.",
                            "attrs": {
                                "row": 6,
                                "col": 1,
                                "rowspan": 1,
                                "colspan": 1,
                                "bbox_refit": true
                            },
                            "children": []
                        },
                        {
                            "id": "p19.3.25",
                            "order": 28,
                            "type": "table_cell",
                            "bbox": {
                                "l": 295.069955,
                                "t": 452.1811,
                                "r": 385.894176,
                                "b": 401.0051
                            },
                            "text": "Base awards from $187 to $500 each year of high school, ACT bonus award from $36 to $500. AP/IB/CAI bonus awards from $200 to $300.",
                            "attrs": {
                                "row": 6,
                                "col": 2,
                                "rowspan": 1,
                                "colspan": 1,
                                "bbox_refit": true
                            },
                            "children": []
                        },
                        {
                            "id": "p19.3.26",
                            "order": 29,
                            "type": "table_cell",
                            "bbox": {
                                "l": 395.694,
                                "t": 452.1811,
                                "r": 483.460387,
                                "b": 422.6051
                            },
                            "text": "None. KHEAA will send your KEES award to the Kentucky college where you're enrolled.",
                            "attrs": {
                                "row": 6,
                                "col": 3,
                                "rowspan": 1,
                                "colspan": 1,
                                "bbox_refit": true
                            },
                            "children": []
                        },
                        {
                            "id": "p19.3.27",
                            "order": 30,
                            "type": "table_cell",
                            "bbox": {
                                "l": 491.6538,
                                "t": 452.1811,
                                "r": 507.4858,
                                "b": 444.2051
                            },
                            "text": "None",
                            "attrs": {
                                "row": 6,
                                "col": 4,
                                "rowspan": 1,
                                "colspan": 1,
                                "bbox_refit": true
                            },
                            "children": []
                        },
                        {
                            "id": "p19.3.28",
                            "order": 31,
                            "type": "table_cell",
                            "bbox": {
                                "l": 30.1578,
                                "t": 380.4291,
                                "r": 85.037659,
                                "b": 361.6531
                            },
                            "text": "Work Ready Dual Credit Scholarship",
                            "attrs": {
                                "row": 7,
                                "col": 0,
                                "rowspan": 1,
                                "colspan": 1,
                                "bbox_refit": true
                            },
                            "children": []
                        },
                        {
                            "id": "p19.3.29",
                            "order": 32,
                            "type": "table_cell",
                            "bbox": {
                                "l": 96.182,
                                "t": 380.4291,
                                "r": 282.290849,
                                "b": 350.8531
                            },
                            "text": "Kentucky high school students in grades 9–12 who are enrolled in approved career and technical education dual credit courses at a participating Kentucky college or university.",
                            "attrs": {
                                "row": 7,
                                "col": 1,
                                "rowspan": 1,
                                "colspan": 1,
                                "bbox_refit": true
                            },
                            "children": []
                        },
                        {
                            "id": "p19.3.30",
                            "order": 33,
                            "type": "table_cell",
                            "bbox": {
                                "l": 295.078,
                                "t": 380.4291,
                                "r": 385.340058,
                                "b": 361.6531
                            },
                            "text": "Limited to two courses per year, up to $95 per credit hour.",
                            "attrs": {
                                "row": 7,
                                "col": 2,
                                "rowspan": 1,
                                "colspan": 1,
                                "bbox_refit": true
                            },
                            "children": []
                        },
                        {
                            "id": "p19.3.31",
                            "order": 34,
                            "type": "table_cell",
                            "bbox": {
                                "l": 395.686,
                                "t": 545.069,
                                "r": 479.036517,
                                "b": 472.293
                            },
                            "text": "Kentucky public high schools identify dual credit students to KHEAA. After receipt, KHEAA will put links on MyKHEAA for students to submit preferences for scholarship assistance.",
                            "attrs": {
                                "row": 7,
                                "col": 3,
                                "rowspan": 1,
                                "colspan": 1,
                                "bbox_refit": true
                            },
                            "children": []
                        },
                        {
                            "id": "p19.3.32",
                            "order": 35,
                            "type": "table_cell",
                            "bbox": {
                                "l": 491.6462,
                                "t": 545.069,
                                "r": 545.950059,
                                "b": 493.893
                            },
                            "text": "October 1 for fall semester;\\nMarch 1 for spring semester and all other requests.",
                            "attrs": {
                                "row": 7,
                                "col": 4,
                                "rowspan": 1,
                                "colspan": 1,
                                "bbox_refit": true
                            },
                            "children": []
                        },
                        {
                            "id": "p19.3.33",
                            "order": 36,
                            "type": "table_cell",
                            "bbox": {
                                "l": 30.1662,
                                "t": 301.917,
                                "r": 74.1022,
                                "b": 272.341
                            },
                            "text": "Early Graduate Certificate Scholarship",
                            "attrs": {
                                "row": 8,
                                "col": 0,
                                "rowspan": 1,
                                "colspan": 1,
                                "bbox_refit": true
                            },
                            "children": []
                        },
                        {
                            "id": "p19.3.34",
                            "order": 37,
                            "type": "table_cell",
                            "bbox": {
                                "l": 96.19,
                                "t": 301.917,
                                "r": 280.866935,
                                "b": 283.141
                            },
                            "text": "Public high school students who graduate in three years or less and meet college-readiness benchmarks.",
                            "attrs": {
                                "row": 8,
                                "col": 1,
                                "rowspan": 1,
                                "colspan": 1,
                                "bbox_refit": true
                            },
                            "children": []
                        },
                        {
                            "id": "p19.3.35",
                            "order": 38,
                            "type": "table_cell",
                            "bbox": {
                                "l": 295.086,
                                "t": 301.917,
                                "r": 374.18118,
                                "b": 229.14099999999996
                            },
                            "text": "One-year award of $2,293. Must be used immediately following high school graduation at a Kentucky college accredited by the Southern Association of Colleges and Schools.",
                            "attrs": {
                                "row": 8,
                                "col": 2,
                                "rowspan": 1,
                                "colspan": 1,
                                "bbox_refit": true
                            },
                            "children": []
                        },
                        {
                            "id": "p19.3.36",
                            "order": 39,
                            "type": "table_cell",
                            "bbox": {
                                "l": 395.71,
                                "t": 301.917,
                                "r": 456.693122,
                                "b": 283.141
                            },
                            "text": "Intent form available at education.ky.gov/educational/AL/earlygrad.",
                            "attrs": {
                                "row": 8,
                                "col": 3,
                                "rowspan": 1,
                                "colspan": 1,
                                "bbox_refit": true
                            },
                            "children": [
                                {
                                    "id": "p19.3.36.1",
                                    "order": 40,
                                    "type": "link",
                                    "bbox": {
                                        "l": 402.896,
                                        "t": 295.224,
                                        "r": 455.935,
                                        "b": 282.973
                                    },
                                    "text": "education.ky.gov/",
                                    "attrs": {
                                        "uri": "http://education.ky.gov/educational/AL/earlygrad",
                                        "action_type": "/URI",
                                        "row": 8,
                                        "col": 3,
                                        "rowspan": 1,
                                        "colspan": 1
                                    },
                                    "children": []
                                },
                                {
                                    "id": "p19.3.36.2",
                                    "order": 41,
                                    "type": "link",
                                    "bbox": {
                                        "l": 395.68,
                                        "t": 284.424,
                                        "r": 471.199,
                                        "b": 272.173
                                    },
                                    "text": "educational/AL/earlygrad.",
                                    "attrs": {
                                        "uri": "http://education.ky.gov/educational/AL/earlygrad",
                                        "action_type": "/URI",
                                        "row": 8,
                                        "col": 3,
                                        "rowspan": 1,
                                        "colspan": 1
                                    },
                                    "children": []
                                }
                            ]
                        },
                        {
                            "id": "p19.3.37",
                            "order": 42,
                            "type": "table_cell",
                            "bbox": {
                                "l": 491.67,
                                "t": 301.917,
                                "r": 549.966,
                                "b": 239.94100000000003
                            },
                            "text": "File an intent to graduate early form before October 1 of the academic year you intend to graduate.",
                            "attrs": {
                                "row": 8,
                                "col": 4,
                                "rowspan": 1,
                                "colspan": 1,
                                "bbox_refit": true
                            },
                            "children": []
                        },
                        {
                            "id": "p19.3.38",
                            "order": 43,
                            "type": "table_cell",
                            "bbox": {
                                "l": 30.174,
                                "t": 221.02869999999996,
                                "r": 65.606,
                                "b": 191.45270000000005
                            },
                            "text": "Work Ready Kentucky Scholarship",
                            "attrs": {
                                "row": 9,
                                "col": 0,
                                "rowspan": 1,
                                "colspan": 1,
                                "bbox_refit": true
                            },
                            "children": []
                        },
                        {
                            "id": "p19.3.39",
                            "order": 44,
                            "type": "table_cell",
                            "bbox": {
                                "l": 96.1982,
                                "t": 221.02869999999996,
                                "r": 287.118317,
                                "b": 137.45270000000005
                            },
                            "text": "Kentucky resident pursuing an approved industry-recognized certificate, diploma, or associate of applied science degree in a high-demand workforce sector. Qualifying sectors for the 2026–2027 year are healthcare, manufacturing and logistics, construction, education, and professional, scientific and technical services. Must be a high school graduate or be enrolled in or have completed a GED program, but not have earned an associate's or higher degree.",
                            "attrs": {
                                "row": 9,
                                "col": 1,
                                "rowspan": 1,
                                "colspan": 1,
                                "bbox_refit": true
                            },
                            "children": []
                        },
                        {
                            "id": "p19.3.40",
                            "order": 45,
                            "type": "table_cell",
                            "bbox": {
                                "l": 295.0942,
                                "t": 221.02869999999996,
                                "r": 386.251569,
                                "b": 180.65269999999998
                            },
                            "text": "Varies. Amount equals remaining tuition after subtracting federal and state aid, up to $195 per credit hour.",
                            "attrs": {
                                "row": 9,
                                "col": 2,
                                "rowspan": 1,
                                "colspan": 1,
                                "bbox_refit": true
                            },
                            "children": []
                        },
                        {
                            "id": "p19.3.41",
                            "order": 46,
                            "type": "table_cell",
                            "bbox": {
                                "l": 395.7182,
                                "t": 221.02869999999996,
                                "r": 462.758074,
                                "b": 202.2527
                            },
                            "text": "FAFSA and application at www.kheaa.com/web/scholarships-grants. faces#wrkRdyKY.",
                            "attrs": {
                                "row": 9,
                                "col": 3,
                                "rowspan": 1,
                                "colspan": 1,
                                "bbox_refit": true
                            },
                            "children": [
                                {
                                    "id": "p19.3.41.1",
                                    "order": 47,
                                    "type": "link",
                                    "bbox": {
                                        "l": 402.896,
                                        "t": 214.34,
                                        "r": 468.103,
                                        "b": 202.088
                                    },
                                    "text": "www.kheaa.com/web/",
                                    "attrs": {
                                        "uri": "http://www.kheaa.com/web/scholarships-grants.faces#wrkRdyKY",
                                        "action_type": "/URI",
                                        "row": 9,
                                        "col": 3,
                                        "rowspan": 1,
                                        "colspan": 1
                                    },
                                    "children": []
                                },
                                {
                                    "id": "p19.3.41.2",
                                    "order": 48,
                                    "type": "link",
                                    "bbox": {
                                        "l": 395.68,
                                        "t": 203.54,
                                        "r": 456.79,
                                        "b": 191.288
                                    },
                                    "text": "scholarships-grants.",
                                    "attrs": {
                                        "uri": "http://www.kheaa.com/web/scholarships-grants.faces#wrkRdyKY",
                                        "action_type": "/URI",
                                        "row": 9,
                                        "col": 3,
                                        "rowspan": 1,
                                        "colspan": 1
                                    },
                                    "children": []
                                },
                                {
                                    "id": "p19.3.41.3",
                                    "order": 49,
                                    "type": "link",
                                    "bbox": {
                                        "l": 395.68,
                                        "t": 192.74,
                                        "r": 444.743,
                                        "b": 180.488
                                    },
                                    "text": "faces#wrkRdyKY.",
                                    "attrs": {
                                        "uri": "http://www.kheaa.com/web/scholarships-grants.faces#wrkRdyKY",
                                        "action_type": "/URI",
                                        "row": 9,
                                        "col": 3,
                                        "rowspan": 1,
                                        "colspan": 1
                                    },
                                    "children": []
                                }
                            ]
                        },
                        {
                            "id": "p19.3.42",
                            "order": 50,
                            "type": "table_cell",
                            "bbox": {
                                "l": 491.678,
                                "t": 221.029,
                                "r": 545.812555,
                                "b": 191.45299999999997
                            },
                            "text": "Apply as soon as possible after May 1. ^{{*}}",
                            "attrs": {
                                "row": 9,
                                "col": 4,
                                "rowspan": 1,
                                "colspan": 1,
                                "bbox_refit": true
                            },
                            "children": []
                        }
                    ]
                },
                {
                    "id": "p19.4",
                    "order": 51,
                    "type": "text",
                    "bbox": {
                        "l": 18.48,
                        "t": 116.3822,
                        "r": 464.4,
                        "b": 77.7481
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                    "text": "How to apply for a student loan\nFederal Direct Loan",
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                            "text": "1. Fill out the FAFSA at StudentAid.gov.",
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                            "text": "2. Use your college's online student account to accept, decline or reduce your financial aid award options.",
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                            "text": "3. Complete online student loan entrance counseling at StudentAid.gov. You have to do this before the funds can be sent to the school.",
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                            "text": "4. Sign a Master Promissory Note (MPN). You can get a paper MPN or do it online at StudentAid.gov. The MPN is not an application but a legal, binding contract that you will repay the loan.",
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                            "text": "5. The student must fill out the FAFSA.",
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                            "text": "6. A parent of a dependent undergraduate student must fill out the PLUS Loan application from the school's financial aid office or online at StudentAid.gov.",
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                    "text": "One major financial goal is to finish college owing as little money as you can. When you take out a student loan, you're borrowing against your future earnings.",
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                    "text": "Estimated Payments at 6.39% over 120 months.\nMonthly payments are rounded up.",
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                            "text": "$ 5,000\n$ 10,000\n$ 20,000\n$ 25,000\n$ 30,000\n$ 40,000\n$ 50,000\n$ 75,000\n$100,000",
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                            "text": "$ 54\n$ 109\n$ 217\n$ 271\n$ 326\n$ 434\n$ 543\n$ 814\n$1,085",
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                            "text": "Manageable Education Debt",
                            "attrs": {
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                            "text": "$ 15,000\n$ 20,000\n$ 25,000\n$ 30,000\n$ 35,000\n$ 40,000\n$ 50,000\n$ 100,000",
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                            "text": "$ 125\n$ 167\n$ 208\n$ 250\n$ 292\n$ 333\n$ 416\n$ 833",
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                    "text": "O Your FIXED rate is based on the repayment plan selected, your credit history and other factors. Your interest rate will be reduced further if you use our autopay service.",
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                    "text": "O Applying with a creditworthy cosigner may help you qualify and/or receive a lower FIXED rate.",
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                    "text": "O Refinancing your student loans with the Advantage Refinance Loan could save you thousands of dollars.",
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                            "text": "8.94%",
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                            "text": "2.93% to 10.75% ^{{*}}",
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                            "text": "Credit review",
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                    "text": "*APRs shown are representative samples for educational purposes only and may not reflect current or actual loan offers or available rates. Your actual APR may vary based on the repayment plan or term selected, credit history, state of residence, school location, and other factors, and will be determined once a credit decision is made.",
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                    "text": "Funding Your Future",
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                    "text": "The Kentucky Educational Excellence Scholarship (KEES) provides Kentucky high school students with money for tuition and education-related expenses. Check out the frequently asked questions below to learn more about the program.",
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                    "text": "Just earn a 2.75 GPA or better in each year of high school. An ACT composite score of 15 or above (or the equivalent SAT) will also earn you a bonus award. You must qualify for at least one GPA award to receive the bonus.",
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                            "text": "GPA\n4.0\n3.9\n3.8\n3.75\n3.7\n3.6\n3.5\n3.4\n3.3\n3.25\n3.2\n3.1\n3.0\n2.9\n2.8\n2.75",
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                            "text": "Award Amount\n$500\n$475\n$450\n$437\n$425\n$400\n$375\n$350\n$325\n$312\n$300\n$275\n$250\n$225\n$200\n$187",
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                            "text": "ACT Score\n28 or above\n27\n26\n25\n24\n23\n22\n21\n20\n19\n18\n17\n16\n15",
                            "attrs": {
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                            "id": "p22.6.4",
                            "order": 10,
                            "type": "table_cell",
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                                "l": 173.8963,
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                            "text": "SAT Range\n1300-1600\n1260-1290\n1230-1250\n1200-1220\n1160-1190\n1130-1150\n1100-1120\n1060-1090\n1030-1050\n990-1020\n960-980\n920-950\n880-910\n830-870",
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                            "id": "p22.6.5",
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                                "l": 226.39204,
                                "t": 552.781254,
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                            "text": "Bonus Amount\n$500\n$464\n$428\n$393\n$357\n$321\n$286\n$250\n$214\n$179\n$143\n$107\n$71\n$36",
                            "attrs": {
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                    "text": "KHEAA uses the ACT composite scores from national exams and the SAT Math + Evidence-Based Reading & Writing (ERW) scores for KEES purposes.",
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                    "bbox": {
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                    "text": "Students who are eligible for free or reduced-",
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                    "text": "price lunches, based on family income, during any year of high school can earn additional bonuses by making qualifying scores on Advanced Placement (AP), International Baccalaureate (IB) or Cambridge Advanced International (CAI) exams. AP classes are not a requirement for taking AP exams.",
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                            "text": "Exam Score\n3\n4\n5",
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                            "text": "Bonus Amount\n$200\n$250\n$300",
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                            "text": "Exam Score\n5\n6\n7",
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                            "text": "Bonus Amount\n$200\n$250\n$300",
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                            "text": "Exam Score\ne\nc or d\na*, a or b",
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                    "order": 26,
                    "type": "text",
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                    "text": "Funding Your Future",
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                {
                    "id": "p22.12",
                    "order": 27,
                    "type": "text",
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                    "text": "All students who are Kentucky residents and attending certified public or private high schools in Kentucky are eligible to earn KEES money. Home-schooled students and students attending non-certified high schools are eligible for only an ACT bonus award.",
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                {
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                    "text": "You do not have to take certain classes to earn KEES. AP, IB, CAI and dual credit courses are weighted on a five-point scale for KEES purposes, meaning an ‘A’ in those courses is worth more than others.",
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                },
                {
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                    "order": 29,
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                    "text": "Do I have to apply for the scholarship?",
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                    "text": "No, there is no application! Your school will report your GPA to KHEAA at the end of each school year, and KHEAA will notify you about your award.",
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                    "order": 31,
                    "type": "text",
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                    "text": "What should I do if my award information is incorrect?\nAsk your high school counselor to make the necessary changes.",
                    "children": []
                },
                {
                    "id": "p22.17",
                    "order": 32,
                    "type": "heading",
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                    "text": "What happens to my KEES if I graduate from high school early?",
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                },
                {
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                    "text": "If you graduate in three years, you will be awarded the equivalent of a fourth year of KEES, which will be the average of the awards you earned in the first three years of high school.",
                    "children": []
                },
                {
                    "id": "p22.19",
                    "order": 34,
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                    "text": "How long do I have to use my KEES?",
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                    },
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                },
                {
                    "id": "p22.20",
                    "order": 35,
                    "type": "text",
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                    "text": "You can receive KEES for up to eight academic terms in an undergraduate degree program. It must be used within five years of high school graduation. Active duty service members may request an extension.",
                    "children": []
                },
                {
                    "id": "p22.21",
                    "order": 36,
                    "type": "figure",
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                {
                    "id": "p22.22",
                    "order": 37,
                    "type": "footnote",
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                    "text": "KEES awards are funded by Kentucky Lottery revenue.",
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                {
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                    "attrs": {
                        "block_label": "image",
                        "embedded_text": "GPA Amount\nFreshman\nSophomore\nJunior\nSenior\nHighest ACT Score\n*AP or IB Test Score\nTotal Award for Each\nYear of College =\nx 4 years ="
                    },
                    "children": [
                        {
                            "id": "p23.1.1",
                            "order": 2,
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                            "text": "My KEES Goal",
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                            "id": "p23.1.2",
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                            "text": "Fill in your GPA and your base and bonus awards. Add them up to determine your annual KEES award.",
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                    "text": "*For sample purposes only. Actual award may be higher if multiple qualifying AP or IB test scores are earned.",
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                    "text": "How good do my grades have to be in college?",
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                    "text": "You must keep your grades up in college to continue to receive your KEES each term. These are the rules to keeping your KEES:",
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                {
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                    "text": "O Have a 2.75 cumulative GPA your first year of college to keep your award your second year.",
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                    "text": "O Have a 3.0 cumulative GPA after your second year to keep your full award for the next year.",
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                {
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                    "text": "O After your second year, if your GPA is between a 2.75 and 3.0, you'll still get your full award IF you have met your college's requirements for being on track to graduate.",
                    "children": []
                },
                {
                    "id": "p23.8",
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                    "text": "O After your second year, if your GPA is between a 2.75 and 3.0 AND you didn't meet the on track requirements at your college, you'll receive half of your KEES award for the next year as long as you are enrolled full time.",
                    "children": []
                },
                {
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                    "text": "O After your second year, if your GPA is below a 3.0, you didn't meet on track requirements and you are enrolled less than half time, you will not receive your KEES for the next year.",
                    "children": []
                },
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                    "type": "text",
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                    "text": "Even if you lose your KEES money for one year, you can regain your award by bringing your cumulative GPA back up, getting back on track to graduate and meeting enrollment requirements.",
                    "children": []
                },
                {
                    "id": "p23.11",
                    "order": 13,
                    "type": "heading",
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                    "text": "You must enroll at a participating college or participate in a registered apprenticeship or qualified workforce training program in Kentucky. KHEAA will send your KEES money directly to the college — half each term — once your enrollment has been confirmed. The college will credit your account or may send you a check if you are paid in full.",
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                    "text": "To get the full amount, you must be a full-time student. If you're enrolled at least half time, you'll receive a proportionate amount.",
                    "children": []
                },
                {
                    "id": "p23.14",
                    "order": 16,
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                    "text": "Where can I use my KEES award?",
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                    "text": "KEES awards can be used at any participating accredited public or private school in Kentucky, including community and technical colleges.",
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                    "text": "Students who participate in a registered apprenticeship program may be able to receive reimbursement for their apprenticeship expenses from their KEES award. For more information, visit KHEAA's website at www.kheaa.com/web/scholarships-grants.faces#kees.",
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                    "text": "Can I use KEES money out of state?",
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                },
                {
                    "id": "p23.18",
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                    "text": "If your undergraduate program of study is not available at a public school in Kentucky, you may be able to use your KEES money at an out-of-state public school if the state participates in the Academic Common Market (ACM). Learn more by visiting cpe.ky.gov and searching \"Academic Common Market\" or scan the QR code.",
                    "children": [
                        {
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                            "text": "cpe.ky.gov",
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                },
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                        "embedded_text": "Delaware\nWest Maryland\nIn addition to Kentucky, you may Virginia\nbe able to use your KEES money at\nVirginia\nschools in the green states.\nTennessee\nOklahoma Arkansas\nSouth\nMississip\nCarolina\nAlabama Georgia\npi\nLouisiana"
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                    "children": [
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                            "attrs": {
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                {
                    "id": "p23.21",
                    "order": 27,
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                        "l": 301.92,
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                    "text": "Where can I go for more information about KEES?",
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                },
                {
                    "id": "p23.22",
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                    "text": "Additional information about the KEES program can be found at kheaa.com. Go to kheaa.com and select \"Sign In\" to create a personalized My KHEAA account. You will be able to access all of your KEES award information. Be sure to check once a year for accuracy.",
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                        {
                            "id": "p23.22.1",
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                {
                    "id": "p23.23",
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                    "text": "Funding Your Future",
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                },
                {
                    "id": "p23.24",
                    "order": 32,
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                    "text": "23",
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                    "id": "p24.1",
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                        "l": 57.84,
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                    "text": "TIPS FOR GETTING COLLEGE AID",
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                    "level": 3,
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                },
                {
                    "id": "p24.2",
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                    "bbox": {
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                    "text": "Save for college.",
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                },
                {
                    "id": "p24.3",
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                    "type": "text",
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                    "text": "Submit the FAFSA as soon as possible once it opens by going to StudentAid.gov.",
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                    "text": "Apply for EVERY type of aid.",
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                    "id": "p24.5",
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                    "text": "Make good grades.",
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                    "text": "Retake your ACT/entrance exams to improve your score.",
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                    "id": "p24.7",
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                    "text": "Talk with a college financial aid administrator.",
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                    "text": "Learn about student loans.",
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                    "text": "Talk with your school counselor.",
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                    "text": "Beware of scams.",
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                    "text": "Ask your parents if they have taken advantage of qualified state tuition programs. The Kentucky Education Savings Plan Trust lets parents save over several years for tuition and other education-related expenses. Visit kysaves.com or call 877.598.7878 for more information.",
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                    "text": "Do as much community service as possible and keep track of everything! Colleges and scholarship committees love students who give back to their communities.",
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                    "text": "If you think you're being scammed, call the attorney general's office at 888.432.9257 or visit ag.ky.gov.",
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                    "text": "National service and volunteer programs provide opportunities to serve your country in a variety of areas including working with youth, protecting the environment, providing disaster relief, improving healthcare and more. Many programs may also offer scholarships, grants or educational awards to help pay for college. Check out the Corporation for National and Community Service at americorps.gov to learn about AmeriCorps and other opportunities, including the Kentucky College Coaches Program.",
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                    "text": "FINANCIAL AID MISTAKES",
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                    "text": "All the financial aid information you need is out there free of charge.",
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                    "text": "The FAFSA is the most important tool for receiving financial aid. Many people qualify for some kind of aid.",
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                    "text": "Many grant programs only have a certain amount of money to give to students.",
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                    "text": "Review what each school is giving you to make sure you know your obligations.",
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                    "text": "Post-9/11 Bill and Montgomery Bill\nQualified individuals must choose between these two bills. For comparison information, visit benefits.va.gov/gibill.",
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                    "text": "Disabled American Veterans Scholarship Visit DAV Auxiliary page for information. www.davauxiliary.org",
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                    "text": "Potential employers and admissions counselors often look at social media profiles when making selection decisions.",
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                    "text": "GLOSSARY",
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                    "text": "Accreditation Approval of a school or program by a federally recognized agency that has determined that standards have been met.",
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                    "text": "ACT The test required or accepted at all public and many private universities in Kentucky. It has four sections — English, math, reading and science reasoning — and an optional writing exam. Scores are used for admissions purposes, awarding scholarships and placing students in special programs and honors courses.",
                    "children": []
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                    "text": "ACT College Readiness Standards A guide that helps teachers, counselors, parents and students understand their progress in gaining the necessary skills in English, mathematics, reading and science that are needed for success beyond high school.",
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                    "text": "Aid offer Sometimes called an aid notification or award letter, tells you what financial aid you can receive at a particular college or career school.",
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                    "text": "Associate’s degree Generally awarded after 60 credit hours, usually two years of study.",
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                    "text": "ASVAB (The Armed Services Vocational Aptitude Battery)\nUsed by all branches of the military to determine how\nqualified you are to enlist, as well as your qualification for\ncertain military jobs and your signing bonus.",
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                    "id": "p28.12",
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                    "id": "p28.13",
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                    "text": "Bachelor's degree Generally awarded after a minimum of 120 credit hours, usually four to five years of study.",
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                    "text": "Benchmarks “Must have” competencies in English language arts and mathematics for success in college.",
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                    "id": "p28.15",
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                    "text": "Bursar The person or office at a college or university that handles student payments such as tuition.",
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                    "text": "Cambridge Advanced International (CAI) Certificate of Education An international diploma that students can earn by completing the CAI program. It is similar to the AP and IB programs.",
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                    "text": "Candidates Reply Date Agreement Lets a student defer an attendance decision at participating colleges until May 1. It gives students time to get responses from the colleges they have applied to before deciding which one they want to attend.",
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                    "text": "Career clusters Groups of related occupations and careers. This gives schools a guide for relating learning to the knowledge and skills required for groups of careers.",
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                    "text": "Certificate (1) Given in a nondegree program, usually in a vocational or technical area, to prepare for a specific occupation. Certificate programs generally last 6 to 12 months. (2) Given in specialized areas to people who have completed master's, doctorate or professional degrees.",
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                    "text": "CLEP The College-Level Examination Program offers subject examinations or general examinations. Some colleges use the scores to award credit by examination to entering freshmen.",
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                    "text": "Common App An undergraduate college admission application that applicants may use to apply to a number of member colleges and universities.",
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                    "text": "Contributor Anyone (such as a parent, stepparent, or spouse) who is required to provide financial information and consent for a student's aid application.",
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                    "text": "Are you ready?",
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                    "id": "p28.26",
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                    "text": "Kentucky college readiness standards are based on Reading and Writing, Math scores",
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                    "text": "Benchmarks\nReading & Writing 480\nMath 530",
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                    "text": "on the SAT. If you don't meet the benchmark\nin one of these areas, your college may ask\nyou to take an entrance exam to determine\nhow to place you in classes and if you will\nneed transitional courses.\nNOTE: National SAT College Readiness Standards are currently higher than Kentucky's requirements. National benchmarks are: Reading and Writing, 480; Math, 530. Be sure to check with the college you plan to attend to make sure your scores meet their standards.",
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                    "text": "Conversion scholarship/loan Requires recipients to provide certain services or pay back the funds received with interest.",
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                    "text": "Core classes A set of subjects or courses that make up a required portion of a curriculum.",
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                    "text": "Cost of attendance The total cost of attending a particular college for one year. It includes direct costs (tuition, fees, food and housing) and indirect costs (books, supplies, transportation, personal expenses, etc.).",
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                    "text": "Credit by examination Process in which students can earn credit for college-level knowledge by passing a test. The CLEP, AP, DANTES (military) and other programs allow students to earn college credit this way.",
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                    "text": "Admissions counselor: A college or university employee who advises students during the admissions process.",
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                    "text": "School counselor: Someone who works in elementary, middle and high schools to provide academic, career, college access and personal/social support to K-12 students.",
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                    "text": "KHEAA Outreach counselor: A KHEAA staff member who helps students and families plan and prepare for education after high school. KHEAA services are free.",
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                    "text": "Kentucky College Coach: Some schools have an AmeriCorps member placed in public high schools and Area Technology Centers across the state to mentor students as they transition from high school to college.",
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                    "text": "Family Resource Youth Service",
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                    "text": "Coordinator: Specialized school-based professional who removes non-academic barriers to learning by connecting students and their families with essential health, social, and educational resources",
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                    "text": "Credit hour or clock hour Unit of measurement for an educational program. While most community colleges and four-year colleges and universities use credit hours, many proprietary schools use clock hours.",
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                    "text": "Cumulative GPA The average of all grades earned in a student's academic career, from the beginning of their studies to the present time.",
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                    "text": "Dependency override Authority given to financial aid\nadministrators to change a student's status from dependent to\nindependent in cases involving unusual circumstances.\nDiploma Given in a nondegree program, usually a vocational or technical field, to prepare for a job. Diploma programs are generally 9 to 18 months long. This diploma is not the same as the diploma you receive when you graduate from high school.\nDirect Data Exchange Data sharing process which authorizes a direct exchange with the Internal Revenue Service (IRS) to facilitate completing the FAFSA form.\nDirect PLUS Loan A loan provided to parents or stepparents of eligible dependent undergraduate students or to graduate/professional students who need additional financial aid to pay college expenses.\nDoctorate A degree that usually takes three or more years after a bachelor's to complete.\nDual credit program Program in which courses satisfy high school graduation requirements and earn college credit hours.\nDual enrollment A student enrolled in two distinct academic programs or educational institutions concurrently.",
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                    "text": "Early action Lets students apply to their preferred school and receive a decision before the normal response date.",
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                    "text": "Early decision Requires students to make a commitment to enroll in a school if they're admitted. Students must withdraw all other applications and make a nonrefundable deposit. One disadvantage to early decision is that it may mean students have less leverage if they appeal their financial aid package.",
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                    "text": "FAFSA The Free Application for Federal Student Aid is the need analysis form all students must complete when applying for federal and state student aid. Some colleges use the FAFSA to award scholarships. The best way to file is online at StudentAid.gov.",
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                    "text": "FAFSA Submission Summary A summary of the data provided on the FAFSA form which allows the applicant to review the data for accuracy and if necessary, makes corrections or updates to the submitted FAFSA data.",
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                    "text": "Financial aid Money from state and federal governments, colleges, private organizations, associations and companies to help pay the costs of a college education or technical training.",
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                    "text": "Financial aid package Total financial aid a college offers a student. It may consist of several types of aid, including grants, scholarships, loans, work-study programs and others. Financial need, availability of funds, institutional aid policies and the number of students who need financial assistance all influence a student's financial aid package.",
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                    "text": "Financial need The difference between the cost of attendance and what a family can afford to pay, typically determined by a student's SAI.",
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                    "text": "Food and housing Lodging and food. For students living on campus, these costs are part of a dorm room and a meal plan. These costs are part of a student's total cost of attendance.",
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                    "text": "GPA A grade point average is the sum of the graded points earned (A=4, B=3, C=2, D=1, F=0) divided by the number of hours attempted for courses taken during a semester.",
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                    "text": "General Educational Development (GED) Classes that can lead to a high school equivalency diploma for adults who did not earn one. Recipients must pass four tests that assess their knowledge of language arts, social studies, science and math to earn the diploma.",
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                    "text": "Grace Period A set period of time after you graduate, leave school, or drop below half-time enrollment before you must begin repayment on your loan. To determine the length of your grace period, check your student loan promissory note.",
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                },
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                    "text": "Graduate student Student who has earned a bachelor's degree and is working toward a master's, doctorate or professional degree.",
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                    "text": "Grant Financial aid award, generally based on financial need, to help pay the cost of higher education. A grant generally does not have to be repaid.",
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                    "text": "IB The International Baccalaureate Program lets students earn college credit while in high school. Some schools require students to participate for two years, others allow them to take classes only one year.",
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                    "text": "Individual Learning Plan (ILP) A system to help high school students plan their courses and activities as they prepare for higher education and career.",
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                    "text": "Institutional aid Student financial aid administered by the college or proprietary trade school.",
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                    "text": "Interest A charge for a loan, usually a percentage of the amount borrowed.",
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                    "text": "Internship/practicum A program that provides the student with the opportunity to earn academic credits through a planned work experience, usually to learn about a specific career area.",
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                    "text": "Kentucky Educational Excellence Scholarship (KEES) A scholarship students can earn for their good grades and ACT or SAT score. No application required.",
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                    "id": "p30.24",
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                    "text": "Kentucky Higher Education Assistance Authority\n(KHEAA) State agency that helps students plan and pay for college by providing financial aid programs and free materials and information.",
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                    "text": "Kentucky Higher Education Student Loan Corporation (KHESLC) A public, nonprofit corporation that provides education loans for students and parents.",
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                    "text": "Kentucky Online Testing (KYOTE) A program that measures whether a student is prepared for college-level learning.",
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                    "text": "Legacy scholarship A scholarship offered to family members of alumni of a college or university.",
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                    "text": "Loan Money borrowed to help pay higher education costs. Loans must be repaid with interest.",
                    "children": []
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                    "text": "M\nMajor Primary academic field of study in college.",
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                    "text": "Master's degree A degree that takes at least a year after the bachelor's to complete.",
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                    "text": "Master Promissory Note (MPN) A legally binding contract between a borrower and a lender. It establishes the conditions under which a student or parent borrows money and the terms under which it must be repaid. The MPN is good for 10 years if the student doesn’t change schools.",
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                    "text": "Need analysis Formula used to determine eligibility for federal student aid. Updated each year by the federal government and other organizations to reflect changes in the economy.",
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                    "text": "Orientation A period of time at the beginning of the academic year at a university during which a variety of events are held to orient and welcome new students.",
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                    "text": "Parchment Exchange A secure network allowing high schools, postsecondary institutions and employers to securely transmit electronic transcripts.",
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                    "text": "Postsecondary “After high school.” Postsecondary education can be received at a college, university, community and technical college, proprietary school or off campus.",
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                    "text": "Private student loan An education loan from a lender other than the U.S. Department of Education. It can be from a public agency, bank, credit union or other lender.",
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                    "text": "PSAT The Preliminary SAT, a practice version of the SAT, most often taken in the 11th grade.",
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                    "text": "What will you drive? Want a sports car? Get a job as a physical therapist, and you can probably afford it. Become a sales rep, and we see you in a sleek sedan. The job you get and the car you drive are often tied to how much education you have. Answer these questions to find out what kind of life is in your future.",
                    "children": []
                },
                {
                    "id": "p34.4",
                    "order": 4,
                    "type": "heading",
                    "bbox": {
                        "l": 47.52,
                        "t": 637.3423,
                        "r": 155.04,
                        "b": 602.7876
                    },
                    "text": "1. Housing:\nI'd like to (circle one)",
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                    },
                    "level": 3,
                    "children": []
                },
                {
                    "id": "p34.5",
                    "order": 5,
                    "type": "list",
                    "bbox": {
                        "l": 49.5,
                        "t": 594.4639999999999,
                        "r": 590.625861,
                        "b": 507.6816
                    },
                    "text": "",
                    "attrs": {
                        "item_count": 4
                    },
                    "children": [
                        {
                            "id": "p34.5.1",
                            "order": 6,
                            "type": "list_item",
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                                "l": 49.5,
                                "t": 594.4639999999999,
                                "r": 363.242442,
                                "b": 580.8815999999999
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                            "text": "a. rent a one-bedroom apartment",
                            "children": []
                        },
                        {
                            "id": "p34.5.2",
                            "order": 7,
                            "type": "list_item",
                            "bbox": {
                                "l": 49.5,
                                "t": 571.064,
                                "r": 199.857223,
                                "b": 557.5856
                            },
                            "text": "b. rent a two-bedroom apartment",
                            "children": []
                        },
                        {
                            "id": "p34.5.3",
                            "order": 8,
                            "type": "list_item",
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                                "l": 49.5,
                                "t": 547.664,
                                "r": 469.697801,
                                "b": 531.0816
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                            "text": "c. own a two-bedroom house",
                            "children": []
                        },
                        {
                            "id": "p34.5.4",
                            "order": 9,
                            "type": "list_item",
                            "bbox": {
                                "l": 49.5,
                                "t": 524.264,
                                "r": 590.625861,
                                "b": 507.6816
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                            "text": "d. own a four-bedroom house",
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                        }
                    ]
                },
                {
                    "id": "p34.6",
                    "order": 10,
                    "type": "heading",
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                        "r": 182.4,
                        "b": 451.6108
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                    "text": "2. Transportation:\nI'd like to drive (circle one)",
                    "attrs": {
                        "block_label": "paragraph_title"
                    },
                    "level": 3,
                    "children": []
                },
                {
                    "id": "p34.7",
                    "order": 11,
                    "type": "list",
                    "bbox": {
                        "l": 49.5,
                        "t": 443.264,
                        "r": 538.188,
                        "b": 359.5856
                    },
                    "text": "",
                    "attrs": {
                        "item_count": 4
                    },
                    "children": [
                        {
                            "id": "p34.7.1",
                            "order": 12,
                            "type": "list_item",
                            "bbox": {
                                "l": 49.5,
                                "t": 443.264,
                                "r": 169.263774,
                                "b": 429.7856
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                            "text": "a. a small, fuel-efficient car",
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                        },
                        {
                            "id": "p34.7.2",
                            "order": 13,
                            "type": "list_item",
                            "bbox": {
                                "l": 49.5,
                                "t": 419.878,
                                "r": 538.188,
                                "b": 405.85
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                            "text": "b. convertible",
                            "children": []
                        },
                        {
                            "id": "p34.7.3",
                            "order": 14,
                            "type": "list_item",
                            "bbox": {
                                "l": 49.5,
                                "t": 396.464,
                                "r": 128.757129,
                                "b": 382.9856
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                            "text": "c. full-size pick up",
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                        {
                            "id": "p34.7.4",
                            "order": 15,
                            "type": "list_item",
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                                "t": 373.064,
                                "r": 117.633068,
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                            "text": "d. full-size SUV",
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                },
                {
                    "id": "p34.8",
                    "order": 16,
                    "type": "heading",
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                        "r": 154.56,
                        "b": 300.9139
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                    "text": "3. Food:\nI'd like to (circle one)",
                    "attrs": {
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                    },
                    "level": 3,
                    "children": []
                },
                {
                    "id": "p34.9",
                    "order": 17,
                    "type": "list",
                    "bbox": {
                        "l": 49.5,
                        "t": 292.064,
                        "r": 528.765499,
                        "b": 202.38160000000005
                    },
                    "text": "",
                    "attrs": {
                        "item_count": 3
                    },
                    "children": [
                        {
                            "id": "p34.9.1",
                            "order": 18,
                            "type": "list_item",
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                                "l": 49.5,
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                            "text": "a. buy groceries and cook all my meals",
                            "children": []
                        },
                        {
                            "id": "p34.9.2",
                            "order": 19,
                            "type": "list_item",
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                                "l": 49.5,
                                "t": 254.264,
                                "r": 197.560499,
                                "b": 240.78560000000004
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                            "text": "b. eat all of my meals at fast food restaurants",
                            "children": []
                        },
                        {
                            "id": "p34.9.3",
                            "order": 20,
                            "type": "list_item",
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                                "l": 49.5,
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                                "r": 528.765499,
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                            "text": "c. cook some meals and eat out some",
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                },
                {
                    "id": "p34.10",
                    "order": 21,
                    "type": "heading",
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                        "b": 128.8603
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                    "text": "4. Clothing\nI normally shop (circle one)",
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                    },
                    "level": 3,
                    "children": []
                },
                {
                    "id": "p34.11",
                    "order": 22,
                    "type": "list",
                    "bbox": {
                        "l": 49.5,
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                        "r": 217.14219,
                        "b": 44.18579999999997
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                    "text": "",
                    "attrs": {
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                    "children": [
                        {
                            "id": "p34.11.1",
                            "order": 23,
                            "type": "list_item",
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                                "t": 123.06399999999996,
                                "r": 125.006904,
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                            "text": "a. at a thrift store",
                            "children": []
                        },
                        {
                            "id": "p34.11.2",
                            "order": 24,
                            "type": "list_item",
                            "bbox": {
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                                "r": 217.14219,
                                "b": 88.58579999999995
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                            "text": "b. at a box store (i.e. Target, Walmart, etc.)",
                            "children": []
                        },
                        {
                            "id": "p34.11.3",
                            "order": 25,
                            "type": "list_item",
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                            "text": "c. online",
                            "children": []
                        },
                        {
                            "id": "p34.11.4",
                            "order": 26,
                            "type": "list_item",
                            "bbox": {
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                            "text": "d. at a boutique/designer store",
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                },
                {
                    "id": "p34.12",
                    "order": 27,
                    "type": "heading",
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                    "text": "5. Phone:",
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                    },
                    "level": 3,
                    "children": []
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                    "id": "p34.13",
                    "order": 28,
                    "type": "heading",
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                        "t": 618.8652,
                        "r": 344.88,
                        "b": 603.0276
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                    "text": "I'd like to (circle one)",
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                    },
                    "level": 3,
                    "children": []
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                    "id": "p34.14",
                    "order": 29,
                    "type": "list",
                    "bbox": {
                        "l": 238.32,
                        "t": 596.0686,
                        "r": 408.24,
                        "b": 526.7193
                    },
                    "text": "",
                    "attrs": {
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                    "children": [
                        {
                            "id": "p34.14.1",
                            "order": 30,
                            "type": "list_item",
                            "bbox": {
                                "l": 238.32,
                                "t": 596.0686,
                                "r": 377.76,
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                            "text": "a. have a smart phone with unlimited talk, text and data",
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                        },
                        {
                            "id": "p34.14.2",
                            "order": 31,
                            "type": "list_item",
                            "bbox": {
                                "l": 238.8,
                                "t": 558.6344,
                                "r": 408.24,
                                "b": 526.7193
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                            "text": "b. have a smartphone with unlimited talk text, but a limited data plan",
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                },
                {
                    "id": "p34.15",
                    "order": 32,
                    "type": "heading",
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                    "text": "6. Insurance:",
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                    "children": []
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                    "id": "p34.16",
                    "order": 33,
                    "type": "heading",
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                        "b": 455.6902
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                    "text": "I plan to purchase (circle one in each group)",
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                        "block_label": "paragraph_title"
                    },
                    "level": 3,
                    "children": []
                },
                {
                    "id": "p34.17",
                    "order": 34,
                    "type": "heading",
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                    "text": "Car",
                    "attrs": {
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                    },
                    "level": 3,
                    "children": []
                },
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                    "id": "p34.18",
                    "order": 35,
                    "type": "list",
                    "bbox": {
                        "l": 238.8,
                        "t": 430.2541,
                        "r": 390,
                        "b": 353.9458
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                    "text": "",
                    "attrs": {
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                    "children": [
                        {
                            "id": "p34.18.1",
                            "order": 36,
                            "type": "list_item",
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                                "l": 238.8,
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                                "r": 390,
                                "b": 398.8189
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                            "text": "a. full coverage (required if you're making a car payment)",
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                        },
                        {
                            "id": "p34.18.2",
                            "order": 37,
                            "type": "list_item",
                            "bbox": {
                                "l": 239.04,
                                "t": 392.8198,
                                "r": 324.72,
                                "b": 374.3426
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                            "text": "b. partial coverage",
                            "children": []
                        },
                        {
                            "id": "p34.18.3",
                            "order": 38,
                            "type": "list_item",
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                                "b": 353.9458
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                            "text": "Home",
                            "children": []
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                    ]
                },
                {
                    "id": "p34.19",
                    "order": 39,
                    "type": "heading",
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                        "r": 272.64,
                        "b": 251.0015
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                    "text": "Medical",
                    "attrs": {
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                    },
                    "level": 3,
                    "children": []
                },
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                    "id": "p34.20",
                    "order": 40,
                    "type": "list",
                    "bbox": {
                        "l": 238.08,
                        "t": 349.6264,
                        "r": 402.48,
                        "b": 272.3583
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                    "text": "",
                    "attrs": {
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                        {
                            "id": "p34.20.1",
                            "order": 41,
                            "type": "list_item",
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                                "t": 349.6264,
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                            "text": "a. renter's insurance",
                            "children": []
                        },
                        {
                            "id": "p34.20.2",
                            "order": 42,
                            "type": "list_item",
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                                "t": 327.7898,
                                "r": 402.48,
                                "b": 295.1548
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                            "text": "b. homeowner's insurance (required if you have a mortgage)",
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                        {
                            "id": "p34.20.3",
                            "order": 43,
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                                "t": 288.6758,
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                                "b": 272.3583
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                            "text": "c. no rental insurance",
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                    ]
                },
                {
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                    "order": 44,
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                    "text": "",
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                            "id": "p34.21.1",
                            "order": 45,
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                            "text": "a. I plan to continue my education after high school, so the job I hold is likely to help pay my insurance premium.",
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                        },
                        {
                            "id": "p34.21.2",
                            "order": 46,
                            "type": "list_item",
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                                "r": 404.16,
                                "b": 120.2216
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                            "text": "b. I do NOT plan to continue my education after high school, so the job I hold is NOT likely to provide insurance as a benefit.",
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                },
                {
                    "id": "p34.22",
                    "order": 47,
                    "type": "heading",
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                    "text": "7. Entertainment:",
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                    "level": 3,
                    "children": []
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                {
                    "id": "p34.23",
                    "order": 48,
                    "type": "heading",
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                        "l": 428.64,
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                        "r": 591.12,
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                    "text": "My entertainment will be (circle all that apply)",
                    "attrs": {
                        "block_label": "paragraph_title"
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                    "level": 3,
                    "children": []
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                    "id": "p34.24",
                    "order": 49,
                    "type": "list",
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                        "r": 594,
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                    "text": "",
                    "attrs": {
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                            "id": "p34.24.1",
                            "order": 50,
                            "type": "list_item",
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                                "l": 428.64,
                                "t": 584.3105,
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                            "text": "a. a movie four times a month",
                            "children": []
                        },
                        {
                            "id": "p34.24.2",
                            "order": 51,
                            "type": "list_item",
                            "bbox": {
                                "l": 429.6,
                                "t": 561.034,
                                "r": 573.12,
                                "b": 530.5587
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                            "text": "b. sporting events three times a month",
                            "children": []
                        },
                        {
                            "id": "p34.24.3",
                            "order": 52,
                            "type": "list_item",
                            "bbox": {
                                "l": 428.16,
                                "t": 523.3598,
                                "r": 591.36,
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                            "text": "c. streaming subscription (ex. Hulu)",
                            "children": []
                        },
                        {
                            "id": "p34.24.4",
                            "order": 53,
                            "type": "list_item",
                            "bbox": {
                                "l": 429.12,
                                "t": 500.0834,
                                "r": 591.84,
                                "b": 468.6482
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                            "text": "d. biking, skateboarding, hiking and other outdoor sports",
                            "children": []
                        },
                        {
                            "id": "p34.24.5",
                            "order": 54,
                            "type": "list_item",
                            "bbox": {
                                "l": 428.64,
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                                "b": 444.6519
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                            "text": "e. attending a concert once a month",
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                    "id": "p34.25",
                    "order": 55,
                    "type": "heading",
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                        "b": 374.5826
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                    "text": "8. Educational plans\nHighest level of education you plan to obtain (circle one)",
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                    },
                    "level": 3,
                    "children": []
                },
                {
                    "id": "p34.26",
                    "order": 56,
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                    "bbox": {
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                    "text": "",
                    "attrs": {
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                            "id": "p34.26.1",
                            "order": 57,
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                            "text": "a. high school graduate",
                            "children": []
                        },
                        {
                            "id": "p34.26.2",
                            "order": 58,
                            "type": "list_item",
                            "bbox": {
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                            "text": "b. certificate",
                            "children": []
                        },
                        {
                            "id": "p34.26.3",
                            "order": 59,
                            "type": "list_item",
                            "bbox": {
                                "l": 430.5,
                                "t": 312.16,
                                "r": 520.769892,
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                            "text": "c. associate's degree",
                            "children": []
                        },
                        {
                            "id": "p34.26.4",
                            "order": 60,
                            "type": "list_item",
                            "bbox": {
                                "l": 430.5,
                                "t": 288.76,
                                "r": 519.732328,
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                            "text": "d. bachelor's degree",
                            "children": []
                        },
                        {
                            "id": "p34.26.5",
                            "order": 61,
                            "type": "list_item",
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                                "l": 430.5,
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                                "r": 511.847995,
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                            "text": "e. master's degree",
                            "children": []
                        },
                        {
                            "id": "p34.26.6",
                            "order": 62,
                            "type": "list_item",
                            "bbox": {
                                "l": 430.5,
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                                "r": 484.379682,
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                            "text": "f. doctorate",
                            "children": []
                        },
                        {
                            "id": "p34.26.7",
                            "order": 63,
                            "type": "list_item",
                            "bbox": {
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                            "text": "g. professional degree",
                            "children": []
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                    ]
                },
                {
                    "id": "p34.27",
                    "order": 64,
                    "type": "text",
                    "bbox": {
                        "l": 4.56,
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                    "text": "*The amount of money you borrow for school will depend on many factors, including the number of years you attend school, the degree you obtain, the school you attend, your financial need and other financial aid received.",
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                    "text": "Find the level of education you selected on question 8 on the chart below to see your monthly pay before taxes.",
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                    "text": "Source: U.S. Bureau of Labor Statistics, 2025",
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                            "text": "25. You need at least a 2.5 one of these to earn an 8 Down award",
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                            "text": "26. College Board entrance exam",
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                    "text": "(Answers on page 32.)",
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                    "text": "FAMILY TIPS",
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                    "text": "You may be wondering how you can help your student during the college-planning process. Here's a checklist with some tips to get you started.",
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                    "text": "You can use the College Cost Calculator at kheaa.\ncom to estimate how much you'll need to save each month to cover the future cost of a college education. Visit kysaves.com for information about Kentucky's 529 plan.",
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                    "text": "O Attend college visits, job fairs, college nights and financial aid nights with your student.",
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                    "level": 3,
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                    "text": "Check into such career options as apprenticeships and internships.",
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                    "text": "Look for one that is within your budget and offers them the program and environment they're looking for.",
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                    "text": "Remember that different colleges will have different deadlines for applications, deposits, academic requirements, financial aid, etc.",
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                    "text": "Submit the FAFSA as soon as possible once it opens during your senior year. Kentucky grants are awarded to eligible applicants on a first-come, first-served basis until funds are exhausted.",
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                    "text": "These generally don't have to be repaid, so students should try to get as many scholarships and grants as possible. You and your student can explore scholarships at kheaa.com.",
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                    "text": "O Understand your loan options.",
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                    "text": "The majority of students, however, now need loans to help pay college costs. Many people also take out loans to help their children. That means students and families need to be informed consumers. (For more information about loans, see pages 20–21.)",
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                    "text": "○ Help your student keep track of the application process.",
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                    "text": "Many students apply to more than one school, so it can be expensive. If you can't afford to pay an application fee, see if the school is willing to waive it.",
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                    "text": "O Compare financial aid offers.",
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                    "text": "Make sure both you and your student understand how much is free aid (scholarships, grants, etc.), how much is loans and how much you will be expected to pay. Contact the financial aid office if you have any questions.",
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                            "text": "Scan or Text OUTREACH to 800.928.8926 to stay updated.",
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                            "text": "KHEAA",
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                    "text": "KHEAA Outreach Territories",
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                    "text": "Director of\nOutreach Services\nCasi Benedict\nPhone: 502.696.7379\ncbenedict@kheaa.com\nCell: 502.759.1776",
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                    "text": "Assistant Director of Outreach Services\nBrandi Forker\nbforker@kheaa.com\nCell: 502.759.0798",
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                    "text": "Outreach & Communications\nCoordinator\nRobin Hiter\noutreach@kheaa.com\nPhone: 502.401.7127",
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                    "text": "Kentucky College Coaches\nProgram Manager\nToni Wiley\ntmwiley@kheaa.com\nCell: 859.200.8317",
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                    "text": "College Info Road Show\nKevin Wilson\nCIRS@kheaa.com\nCell: 502.753.9938",
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                    "text": "Find your Outreach Counselor",
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                        "embedded_text": "Northern Northeastern\nKentucky Kentucky\nNKY@kheaa.com NEKY@kheaa.com\nCell: 502.753.9354 Cell: 606.776.3030\nOldham Henry Owen Grant Harrison Mason Fleming Lewis Carter Greenup\nJefferson West Bullitt Spencer Franklin Fayette Clark Powell Morgan Elliott Johnson Lawrence\nScott\nShelby Bourbon Rowan\nCrittenden Union Henderson Hopkins Daviess Ohio Butler Breckinridge Grayson Hardin Hart LaRue Nelson Green Taylor Marion Adair Casey Mercer Boyle Lincoln Pulaski Madison Laurel Jackson Estill Owsley Lee Clay Wolfe Breathitt Leslie Knott Letcher Floyd Pike\nHickman Ballard Carlisle Graves Lyon Trigg Christian Todd Logan Simpson Warren Allen Barren Monroe Russell Wayne McCreary Whitley Knox Bell Harlan\nCalloway Southeastern\nFulton"
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                            "text": "Louisville Metro\nWest\nLMW@kheaa.com\nCell: 502.352.5697",
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                    "text": "Far Western\nKentucky\nFWKY@kheaa.com\nCell: 270.498.8291\nSouthwestern\nKentucky\nSWKY@kheaa.com\nCell: 270.392.8675",
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                    "text": "Copyright © 2026 by the Kentucky Higher Education Assistance Authority. All rights reserved. The Kentucky Higher Education Assistance Authority does 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 provides, upon request, reasonable accommodations to afford individuals with disabilities an equal opportunity to participate in all programs and activities.",
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