Loans

Federal Direct Loans Program

The Federal Direct Loan Program provides financial assistance for undergraduate students attending post-secondary schools on at least a half-time basis.

All student loans are processed through the new Federal Direct Loan Program (Direct). This means that federal student loans will be funded by the U.S. Department of Education rather than private lenders. As an authorized participant, KCTCS Colleges will ensure students and parents are able to borrow funds to meet their educational needs. However, students and parents are required to take some steps to participate.

Students applying for a Federal Direct Loan for the first time must:

• Complete the Entrance Counseling online.
• Complete a new master Promissory Note online.
• Students must then request loans online on their KCTCS Student Self-Service account by clicking on the Financial Aid tile, and then FA Loan Request.

Private Loans

Bluegrass students who wish to apply for private loans may use the FastChoice website.  

• FastChoice for Private Loans
• Self-certification form - If you are borrowing a private student loan you must print, complete, and submit this form to your lender. If you need assistance completing section 2 of the form please visit the Financial Aid Office.

Repaying Your Loans

Repayment of your student loans may be a daunting task to consider. There are lots of options available to students once the repayment process begins. We encourage you to review the materials below and visit our Financial Aid Office to discuss what is best for you.

Finding Loan Information Finding Loan Information (Flipbook) Finding Loan Information (PDF)	Consolidated Loan Forgiveness Consolidated Loan Forgiveness (Flipbook) Consolidated Loan Forgiveness (PDF)
Standard Graduated Repayment Standard Graduated Repayment (Flipbook) Standard Graduated Repayment (PDF)	Income Based Repayment Income Based Repayment (Flipbook) Income Based Repayment (PDF)
Extended Repayment Extended Repayment (Flipbook) Extended Repayment (PDF)	Income Sensitive/Contingent Income Sensitive Repayment (Flipbook) Income Sensitive Repayment (PDF)