Kentucky Higher Education Assistance Authority
June Financial Aid Tip
Taking more classes each semester you’re in college will help you finish your degree earlier, according to the Kentucky Higher Education Assistance Authority (KHEAA).
That’s especially important if, like many people, you’ll need federal or private student loans to help pay for your education.
A full-time load for undergraduate students is generally considered 12 credit hours per semester. Associate’s degrees usually require 60 credit hours to finish, bachelor’s degrees 120 hours. If you take 12 hours each semester, you’ll need five semesters to finish an associate’s degree and 10 semesters to finish a bachelor’s degree.
But what if you take 15 hours per semester? Most colleges won’t charge you any more for 15 hours than they do for 12 hours. Taking 15 hours means you’ll finish an associate’s degree in four semesters and a bachelor’s degree in eight semesters. And that can save you hundreds, even thousands of dollars in tuition and fees.
When you’re planning your schedule, think about taking that extra class each semester. The sooner you earn that degree, the sooner you can start job hunting in your field.
KHEAA is the state agency that administers Kentucky’s student financial aid programs, including the Kentucky Educational Excellence Scholarship (KEES).
To find links to other useful education websites, go to www.gotocollege.ky.gov. For more information about Kentucky scholarships and grants, visit www.kheaa.com; write KHEAA, P.O. Box 798, Frankfort, KY 40602; or call 800-928-8926, ext. 6-7372.