Link to Kirkwood Community College

Cost of Attendance
Student Enrollment Services:

Financial Assistance Programs
Student Financial Aid:

Application Procedures
Student Financial Aid:

Application Forms
Student Financial Aid:

Terms and Conditions
Student Financial Aid:

Verification Information
Student Financial Aid:

Criteria for Selection and Determining the Amount of the Award
All Kirkwood students who include Kirkwood on their FAFSA are uploaded to our mainframe system. If there are questions about a student’s FAFSA, a missing information letter is sent to the student so their file can be completed. Award notification letters are sent to all students with completed files. Before packaging a financial aid award, cost of attendance is determined for the student, based on living arrangements (at home or away from home). Because funds are limited, Federal Supplemental Educational Opportunity Grant (FSEOG) and Federal Work-Study funds are awarded to students based on the date their FAFSA was submitted, assuming other criteria is met. FSEOG funds are awarded to students with a zero EFC. Work-Study funds are awarded to students who have demonstrated financial need. Pell Grants are determined using the federal formula. Subsidized Stafford Loan amounts are awarded based on financial need. The remaining Stafford Loan eligibility is awarded as an unsubsidized loan.

Eligibility Requirements
To receive the maximum consideration for financial aid, students should apply as soon after January 1 as possible.  Application for financial aid must be made each year.  All students seeking financial aid must:

  • Be enrolled or accepted in a credit program at least six months in length;
  • Be seeking a degree related to the educational objective;
  • Be a citizen of the United States or an eligible non-citizen;
  • Not be in default for any previous education loans or owe a grant overpayment;
  • Be making satisfactory academic progress according to Kirkwood's published policy;
  • Attend the classes they are registered for.

Satisfactory Progress Standards

Disbursement Methods
Your financial aid will be applied to your tuition approximately 10 days before the start of the term. Any amount remaining after tuition is paid may be used to purchase books and supplies at the bookstore. If an amount remains after tuition, books, and supplies have been paid, the balance will be mailed to your local address approximately two weeks after the start of the term. The one exception to that time is that first-time borrowers are subject to a mandatory 30-day wait for Stafford Loan balances.

Loan Terms 


Interest Rate

Grace Period

Standard Repayment Terms

Cancellation Provisions *

Subsidized Stafford

4.66% *

6 months

10 years

Very Limited

Unsubsidized Stafford


6 months

10 years

Very Limited

*Loans first disbursed on or after 7/1/14 and before 7/1/15.

For more information about cancellation provisions, go here.

Employment: Conditions and Terms for Employment Provided as Part of a Student's Financial Assistance Package

Study Abroad Programs and Federal Financial Assistance
Financial aid may be used for study abroad experiences provided the program is part of the student’s degree program.

Return of Federal Financial Assistance
Students who do a complete withdrawal during the first ten weeks of the semester will have funds returned to the financial aid source. This could result in a repayment of funds by the student. Summer refunds will be prorated for a shorter term length.

Deferral of Federal Loan Repayments for Volunteer Service