Paying for College
At WKCTC, we believe no one should miss out on a college education because they think they can't afford it. That's why we offer the lowest tuition in the state and various methods of financial assistance to help you cover costs.
What financial assistance is available?
- Grants: federal and/or state government funds awarded to you that you do not have to repay. Awards are based on your FAFSA. Reach out to WestKentucky-FinancialAid@kctcs.edu or 855.469.5282 for more information.
- Work-Study: a program where you work (generally at the college) to earn money to help pay for educational expenses. Awards are based on your FAFSA. Reach out to WestKentucky-FinancialAid@kctcs.edu or 855.469.5282 for more information.
- KY State Tuition Waivers: funds that are awarded by the state where the student is a KY resident and meets the requirements of that KRS statute. Tuition waivers will only cover the tuition costs and can not be applied toward books or other fees. Reach out to Brittany.Canter@kctcs.edu for more information.
- Student Loans: money that is lent to cover expenses, but MUST be repaid with interest. Keep in mind that you are responsible for repaying your student loans, even if you don't graduate. Eligible awards are based on your FAFSA. Reach out to WestKentucky-FinancialAid@kctcs.edu or 855.469.5282 for more information.
- WKCTC Scholarships: funds awarded based on criteria, usually financial need, academic based or program based that you don't have to repay. The scholarship application is open October 1st-March 1st each year. You'll also need to complete a FAFSA. Reach out to WKCTCenrollment@kctcs.edu for more information.
- Work Ready Scholarship: Available through Kentucky Higher Education Assistance Authority (KHEAA), the Work Ready scholarship helps Kentuckians earn up to 60 credit hours free! Earn an associate degree, a credential in a qualifying major/program: healthcare, advanced manufacturing, transportation/logistics, business services/IT, and construction. To be eligible, you will need to apply at workreadykentucky.com and you will also need to complete a FAFSA. Reach out to WestKentucky-FinancialAid@kctcs.edu or 855.469.5282 for more information.
- 15 to Finish Scholarship: Students who successfully complete 15 credit hours in their first semester may apply and receive a three credit hour scholarship for the next semester. To be eligible, you will apply on your student self-service after enrolling your first semester and you will also need to complete a FAFSA. Reach out to WestKentucky-FinancialAid@kctcs.edu or 855.469.5282 for more information.
- Community Scholarship Program (CSP): A program locally funded partnership for students from all participating Paducah and McCracken County high schools who enrolled in the CSP program by October 1 their freshman year of high school that met the performance and other guidelines. Reach out to Lisa.Stephenson@kctcs.edu for information.
- KY Ready to Work Program (RTW): a state funded partnership between WKCTC and the Cabinet for Health and Family Services. RTW is designed to assist low-income parents with their college education. Referrals are made by your local Cabinet for Health and Family Services Offices. Reach out to Kiki.Johnson@kctcs.edu for information.
- Veteran Benefits: Assistance for Veterans, Military and Dependents in using military benefits is available. To be eligible, you will also need to complete a FAFSA. Reach out to Amanda.Scheidegger@kctcs.edu for information.
- Third Party Scholarships and Payments: The WKCTC Business Office does accept third party scholarships from employers and outside organizations. Third party payments may include vocational rehabilitation, WIA, Dislocated Workers, etc. Reach out to Jessica.West@kctcs.edu or 270.534.3395 for more information.
- Payment Plans: The WKCTC Business Office offers an official tuition payment plan for a non-refundable charge of $25 each semester. Reach out to 855.469.5282 for more information.
How to apply for financial assistance?
We're glad you asked! Planning early and turning in all forms on time are the keys to getting the most financial aid you can qualify for. To receive financial aid, there are three easy steps:
The first step in applying for financial aid is completing the Free Application for Federal Student Aid, you'll hear it called FAFSA. The FAFSA must be completed each year, and changes to the application are coming.
Now that you've applied for Federal Financial Aid through the FAFSA, it’s not required, but it’s always a good idea to apply for additional scholarships that are offered through WKCTC, the state, and other agencies, and that don't have to be repaid.
Let's make sure you haven't missed anything. For some students additional paperwork is needed. It’s important to visit your student self-service account and check your To-Do List to make sure you've got everything taken care of.
If there is nothing for you to do, you can use that page to review your awards. Just remember that if more documents are needed, you won’t be eligible for federal aid until they are turned in and processed.