State Government Commonwealth of Kentucky

Eligibility: Must be the parent or stepparent of an eligible student, be a U.S. citizen or noncitizen with proof of residency card, be a resident of or have a benefitting student enrolled at an eligible school in an eligible state, have an acceptable income and credit history or an approved cosigner and have a cosigner if loan amount is greater than $30,000

Benefit: No fees, low fixed-interest rates, 0.25% interest rate reduction for autopay Deadline: None

Eligibility: Must be a U.S. citizen or non-citizen with proof of residency, have an acceptable income and credit history and be a resident of an eligible state. A cosigner may be required.

Eligible loans are any school-certified education loans: private education loans, Parent/Grad PLUS loans (FFEL/Direct), Federal Stafford loans (FFEL/Direct) and Perkins loans

Benefit: Fixed rates starting at 3.74% APR*; no application or origination fees; 0.25% interest rate reduction for autopay; repayment terms of 10, 15 or 20 years. Cosigner release available after 36 months of consecutive on-time regularly scheduled payments.

*APRs are representative samples for educational purposes only and may not reflect current or actual loan rate offers or available percentage rates. Your actual APR will depend upon your credit transaction and credit history and will be determined once a credit decision is made.

Note: All loans are subject to credit approval. The interest rate is set at the time borrowers choose a repayment term and cannot be changed. KHESLC reserves the right to modify or discontinue loan features or benefits or discontinue loan programs at any time without notice.

Contact: Financial aid office of any Kentucky public college or university

Dependents of Deceased Employees Participating in State-Administered Retirement Systems (KRS 164.2841) Eligibility: Must be the child or nonremarried spouse of an employee participating in a state-administered retirement system who died of a duty-related injury. Must provide proof of relationship and proof that the death or disability was duty related. Award: Waiver of any matriculation or tuition fees at a state-supported university, college or vocational school

Eligibility: Must be the child or nonremarried spouse of a person who was a Kentucky resident on becoming a law enforcement officer, firefighter or volunteer firefighter and who was killed while in active service or training for active service or who died as a result of a service-connected disability after June 30, 1989; be enrolled in a state-supported university, community college or vocational school; and provide proof of relationship and the circumstances of death. Award: Full tuition and matriculation fees. Can be used in addition to other scholarships. Any balance left may be returned to the recipient.

Number: Unlimited

Eligibility: Must be the spouse, regardless of age, or child (over age 17 and under age 23) of an employee participating in a state-administered retirement system who was disabled due to a duty-related injury. Must provide proof of relationship and proof that the disability was duty related.

Award: Waiver of any matriculation or tuition fees at a state-supported university, community college or vocational school for no more than 36 months

Eligibility: Must be the spouse, regardless of age, or child (over age 17 and under age 23) of a permanently and totally disabled law enforcement officer, firefighter or volunteer firefighter injured while in active service or in training for active service while a resident of Kentucky, regardless of when the disability occurred; be enrolled in a state-supported university, community college or vocational school; and provide proof of relationship and the qualifying disability.

Award: Full tuition and matriculation fees for up to 36 months

Number: Unlimited

Eligibility: Must be age 65 or older, be a Kentucky resident and be enrolled at a state-supported 2- or 4-year college. If classes are full, the school may deny admission. Award: Waiver of tuition and fees

Eligibility: Must be a supervising teacher or a resource teacher for teacher interns and obtain prior approval of the course-offering school. Space must be available in a course. Colleges are not required to establish courses to meet teacher requests. The tuition-free courses may be used to partially satisfy requirements for an advanced degree.

Award: Waiver of tuition up to 6 credit hours per term at any public college or university