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Loan Forgiveness

Kentucky Academy for Equity in Teaching

The KAET program was not funded for the 2020-2021 budget year. We will not be accepting new applicants at this time.

The Kentucky Department of Education’s Kentucky Academy for Equity in Teaching (KAET) is a renewable loan forgiveness program designed to identify and prepare effective, experienced and diverse public educators in the Commonwealth.

Through the program, KAET participants will receive financial support and complete an Education Professional Standards Board (EPSB)-approved teacher education program in conjunction with ongoing mentorship by experienced Kentucky educators.

The program is funded by a $1 million per year allocation in the 2018 Kentucky state budget for educator quality and diversity through the teacher recruitment and retention program.

KAET emphasizes the development of knowledge, skills and competencies identified in the Kentucky Teacher Performance Standards and the Kentucky Framework for Teaching. It is a renewable loan forgiveness program designed to provide financial support and mentoring to pre-service teachers who are enrolled in teacher preparation and/or certification programs at any Kentucky college or university.

Undergraduate students enrolled in educator preparation programs can receive up to $5,000 per semester for up to four semesters over the course of three academic years and receive no more than $20,000 total. They must be enrolled in an educator preparation program or have an application on file with a Kentucky university.

Students in an initial certification master’s educator preparation programs are eligible to receive up to $2,500 per semester for up to four semesters over the course of three academic years and receive no more than $10,000 total. They must be admitted to a MAT educator preparation program or have an application on file with a public Kentucky university. The MAT option is limited to students participating in initial certification, option six, educator preparation programs. Support for other alternative certification programs are under development and will be available soon.

Candidates for the program must demonstrate:

  • A willingness to participate fully in KAET and be mentored as pre-service educators;
  • A commitment to the success of diverse students through culturally competent instruction;
  • A high level of energy, determination and perseverance to act as a change agent in education;
  • A commitment to equity, integrity, collaboration and achievement for all students;
  • An ability to learn quickly, analyze and problem-solve; and
  • A passion and long-term commitment to improving public education.

Participants of the program also will:

  • Sign a Forgivable Loan Promissory Note agreeing to obtain a Kentucky teaching certificate in accordance with Title 16 of Kentucky Administrative Regulations and applicable statutes.
  • Teach one semester for each semester or summer term funded by a KAET loan in one of Kentucky’s 1,200 public schools. Failure to satisfy this requirement will result in loan repayment at 6% APR.
  • Repay the loan if a degree is not completed, if the student does not secure a teaching job following completion of the program, or changes their major field of study.

The student also is tasked with the responsibility of keeping the Kentucky Higher Education Assistance Authority informed of their current contact information, change of school enrollment, reduction of credit hours or change in graduation date.

Specific eligibility requirements are located within the promotional packet on the KAET website.

Participating institutions of higher education are listed below.  

​Alice Lloyd College
Midway University​
​Asbury University
Morehead State University​
​Bellarmine University
Murray State University
​Berea College
​Northern Kentucky University
​Brescia University
Spalding University
​Campbellsville University
​Thomas More University
​Eastern Kentucky University
​Union College
​Georgetown College
​University of Kentucky
​Kentucky Christian University
​University of Louisville
​Kentucky State University
University of the Cumberlands
​Kentucky Wesleyan College
Western Kentucky University
Lindsey Wilson College​

The window for applications for the fall semester has closed. The application window to apply for the spring semester will open in early November.

Applications for the program will be submitted to KDE for review. Candidates who qualify under multiple eligibility options will be given preference. The number of approved applications will be based upon qualifications and available funding. Eligibility requirements and an online application can be found on KDE’s website.

KHEAA Teacher Scholarship Program

The KHEAA Teacher Scholarship Program provides financial aid to recruit qualified Kentucky residents pursuing initial teacher certification at participating Kentucky institutions (KRS 164.769).

All applicants must be Kentucky residents enrolled full time (unless enrolled for the final term of a teacher certification program and less than full time enrollment is required to complete the program). Applicants must demonstrate financial need to qualify for a KHEAA Teacher Scholarship.

For more information visit .

Traineeship Program

Funds are available to help defray part of the tuition costs at any state institution offering IECE certification. Traineeships are available for teachers and administrators pursuing an initial IECE certificate while working with children with disabilities in the state-funded preschool or Head Start program. For more information visit