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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": "Financial aid counselor: A college or university employee who is involved in the administration of financial aid.",
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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": "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": "Entrance counseling Ensures students understand the terms and conditions of their loans and know their rights and responsibilities.",
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            "text": "Scholarly Sources",
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