FEDERAL AND PROVINCIAL AID
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.
Please review the Kairos University Student Handbook for full details on Financial Aid policies and procedures.
There are two deadlines each semester for the request of financial aid: the priority deadline and the final deadline. These deadlines are specific to federal student loans and most military benefits but do not apply to Army TA which has its own strict deadlines.
Financial Aid Priority Deadline: The first day of each semester. The first day of each Fall semester is July 1, and the first day of the Spring semester is January 1. This allows for the earliest possible disbursement of aid.
For eligible new students, this is the date by which they must be subscribed and have registered for courses using the Outcome Registration Form.
For eligible current students, this is the date by which the grades for previous courses must have been received, an Outcome Registration Form for the new semester must have been submitted, and all other eligibility requirements have been met.
Financial Aid Final Deadline: The semester midpoint date after which no new aid will be awarded for the semester. The midpoint of each Fall semester is October 1, and the midpoint date of the Spring semester is April 1.
Students may request aid anytime from the start of each semester’s priority deadline through the semester’s final deadline as long as grades have been submitted for the previous semester’s coursework, an Outcome Registration Form has been submitted, and all other eligibility requirements are met.
COA Kairos Institutional Elements
Cost of Attendance Examples by Subscription Rate
| COA – $300 monthly subscription | Semester |
| Tuition | $1,800 |
| Housing | $6,367 |
| Semester Total | $8,167 |
| ANNUAL TOTAL | $16,334 |
| COA – $400 monthly subscription | Semester |
| Tuition | $2,400 |
| Housing | $6,367 |
| Semester Total | $8,767 |
| ANNUAL TOTAL | $17,534 |
| COA – $600 monthly subscription | Semester |
| Tuition | $3,600 |
| Housing | $6,367 |
| Semester Total | $9,967 |
| ANNUAL TOTAL | $19,934 |
*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.
You must be accepted and enrolled in Kairos before federal aid can be awarded.
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.
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.
You will need your PIN number from the FAFSA to electronically sign the form. Complete the MPN here.
Complete Federal Entrance Counseling.
When you are ready to begin, follow the link in your acceptance letter to set up your monthly subscription and start your program.
Complete the Kairos Outcome Registration Form. Let us know which outcome-level courses you will complete this semester.
Please note that all other steps must be completed first.
For information on military benefits, please visit our military benefits page.
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.
