Loans
Financial aid for the KCTCS Online program functions a little differently than financial aid for courses on campus or online through Distance Learning. Please contact the KCTCS Online Student Services Help Desk for more information.
Federal Family Education Loans (FFEL) Program
The Federal Stafford Loan Program provides financial assistance through lenders to expand higher education opportunities for undergraduate, graduate, and professional students attending postsecondary schools on at least a part time basis.
Subsidized Stafford Loan
Students must show financial need to qualify for the subsidized loan. The federal government, on behalf of the borrower, pays the interest that accrues while the student is in school, during authorized deferment periods and for six months after the student ceases to be enrolled at least part time. The borrower begins paying the interest when the loan enters repayment. [More]
Unsubsidized Stafford Loan
Students are not required to show financial need to qualify for the unsubsidized loan. Unlike the subsidized loan, the borrower must pay all interest that begins to accrue immediately upon disbursement regardless of enrollment status or loan deferments. Interest can be paid monthly or quarterly or be capitalized (added to the principal balance). [More]
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