Federal and Provincial Aid - Kairos University

Stafford Loans

Kairos University offers federal student loans to eligible graduate students only. Due to the termination of the federal loans subsidy (“Subsidized Loans”) at the graduate level (per the Budget Control Act of 2011), the Federal Direct Unsubsidized Loan program (Title IV) remains the most popular student loan program available for graduate-level students. Unsubsidized loans are available to every student who completes a FAFSA and meets the federal student aid eligibility requirements for graduate students. Interest begins accruing 120 days from the time of disbursement. However the student is not required to make any payments while in deferment status. These low-interest loans are provided by banks which are subsidized by the Federal Government.

Interest Rate and Fee Information
Eligibility based on completion of the FAFSA and subject to annual Cost of Attendance budget limitations
Graduate-level limit of $20,500 per academic year
Payments deferred while enrolled at least half-time (five credits/semester)
No prepayment penalties
6-month repayment grace period upon leaving school or dropping below half-time

How to Apply

*Students complete item 2 every year and items 6 and 7 every semester. Items 4 and 5 are done once for Kairos University before aid can be administered.

1. Apply for Admission

You must be accepted and enrolled in Kairos before federal aid can be awarded.

2. Complete the Free Application for Federal Student Aid (FAFSA)

Complete the Free Application for Federal Student Aid (FAFSA) as soon as possible and include our institutional code G04056 to make sure your information is forwarded to us. Complete the FAFSA here.

3. Respond quickly to requests for additional information

We may request additional information in order to verify the information on your FAFSA. You may be requested to provide one or more of the following documents to our Financial Aid Office.

Signed copy of your S. Tax Return
Verification Worksheet
Signature Page
Copy of your Birth Certificate
Copy of your Social Security Card
Copy of Marriage License
Copy of Selective Service Registration

4. Fill out a Master Promissory Note (MPN).

You will need your PIN number from the FAFSA to electronically sign the form. Complete the MPN here.

5. Complete Federal Entrance Counseling

Complete Federal Entrance Counseling.

6. Complete the Kairos Outcome Registration Form

Complete the Kairos Outcome Registration Form. Let us know which outcome-level courses you will complete this semester.

7. Accept a loan amount at portal.kairos.edu.

Please note that all other steps must be completed first.

Canadian Provincial Student Aid

If you plan to receive provincial aid, please first check with the province* to make sure North American Baptist Seminary or Kairos University are on the approved school list. If these schools are not on the list, please contact financialaid@kairos.edu.

Students are typically provided with a confirmation of registration worksheet to be completed by the student and the school registrar.

Connect with your Kairos Advisor or Faculty Mentor to let them know that you plan on receiving Provincial Aid. They will help you plan accordingly. Once you have a plan, complete a Kairos Outcome Registration Form. This is important!

*A list of provincial student aid offices is available here. The Educational Institution (EI) code for Kairos is MPIM. However, please note that some provinces require their own certification of the institution.

Military Benefits

For information on military benefits, please visit our military benefits page.

VA Benefits

Please follow the steps below.

1. Obtain or provide us with a copy of your eligibility letter

If you need a copy, there are two ways to obtain a copy of your GI Bill Letter or Certificate of Eligibility.

If you have an eBenefits Level II account, you can:

Log onto eBenefits (https://www.ebenefits.va.gov/ebenefits/homepage)
On the “Welcome” page, select the “Manage Your Benefits” option at the bottom
Under the “Manage Benefits” option, select the “Status Tracking” option
In the “Education” block, you should see a link for the benefit you are eligible for
Select the “Enrollment Status” Link (Post 9/11 GI Bill, Montgomery GI Bill, etc)
Print the page entitled “Education Enrollment Status”

Go to the GI Bill Website (www.benefits.va.gov/gibill/)
Select the “Submit a Question” option
If you have an existing account, log in
If not, you will need to use the “Sign up” link to establish an account
Once you are logged in, select the “Ask a Question” tab at the top
For subject, put “GI Bill Certificate of Eligibility”
For question, put in something like “I am requesting a duplicate copy of my GI Bill

Certificate of Eligibility be mailed to me.

Product is “GI Bill”
Category is the benefit you are eligible for
Under the benefit you are eligible for, select eligibility
Submit your request.
A duplicate Certificate of Eligibility will be mailed to you.

2. Email a copy to Kairos

Email a copy to financialaid@kairos.edu.

3. Connect with your Kairos Advisor or faculty mentor

Connect with your Kairos Advisor or faculty mentor to let them know that you plan on receiving VA benefits. They will help you plan accordingly.

4. Complete the Kairos Outcome Registration form

Once you have a plan, please complete the Kairos Outcome Registration form. This is important.

Please review these resources and feel free to contact Kairos with any additional questions.

US Federal Aid