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Students must complete the FAFSA and, based on the results, a Student Aid Index (SAI) is calculated. Students with a SAI that meets federal guidelines are notified if they are Federal Pell Grant eligible. Students can also view their federal aid eligibility on their financial aid Self-Service page. The amount of Federal Pell Grant received each semester varies according to the number of credit hours they are taking. This is referred to as enrollment intensity.

Students may not receive a Federal Pell or Federal Supplemental Educational Opportunity Grant (SEOG) for attendance at more than one school for the same period of time. A student attending two schools during the same semester should contact the Student Financial Aid Office immediately.

When the student enrolls, grant funds available to cover charges are credited to the student’s account. Remaining grant funds are deposited into the student’s account based on the number of credit hours in which the student is enrolled on Financial Aid Census Day. Aid amounts may be reduced for withdrawing from a course before Financial Aid Census Day. The Business Office deducts any money owed for tuition, fees, books and supplies from the student’s received aid.

Federal Pell Grants are awarded to undergraduate students who have not yet earned their first bachelor’s degree. The amount is determined by the Student Aid Index (SAI) and the student's enrollment status.

The Federal Supplemental Educational Opportunity Grant (SEOG) amounts are awarded to students with highest need who are Pell Grant eligible and enrolled in a minimum of six credit hours. Awards range from $200-$1,000 per academic year. Students who complete their FAFSA before April 1 and are eligible for a Federal Pell Grant are given priority in awarding this grant.

Federal College Work Study provides financial assistance through part-time (up to 20 hours per week) employment on campus to help pay education expenses. To determine eligibility for work study, students can contact the Financial Aid Office.

Federal Direct Subsidized Loans are low-interest loans made to students enrolled at least half-time and are based on financial need. Interest is paid by the federal government as long as the student is enrolled in at least six eligible credit hours. Loan amounts can vary. Loan Request forms are available by emailing the Financial Aid Office at finaid@kckcc.edu.

A Federal Direct Unsubsidized Loan is the same as a subsidized loan except financial need is not a consideration. The student is responsible for the interest, which begins to accrue at the time of disbursement. Loan Request forms are available by emailing the Financial Aid Office at finaid@kckcc.edu.

A Federal Parent Loan for Undergraduate Students is a low-interest loan made to the parent of a dependent student who is enrolled in at least six eligible credit hours. The loan amount is based on the cost of education minus any financial aid the student is awarded. Applications are available at .

The Bureau of Indian Affairs Grant is awarded to American Indians who demonstrate financial need and academic progress. Additional information and application materials are available through the area agency office holding records of tribal membership.