1 SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 ------------- FORM 8-K Current Report Pursuant To Section 13 Or 15(D) Of The Securities Exchange Act Of 1934 Date of Report (Date of earliest event reported): December 27, 1999 -------------------------------- KEYCORP STUDENT LOAN TRUST 1999-A - -------------------------------------------------------------------------------- (Exact Name of Registrant as Specified in its Charter) New York 333-58073 36-7238740 - ---------------------------- ------------------------ ------------------- (State or Other Jurisdiction (Commission File Number) (I.R.S. Employer of Incorporation) Identification No.) c/o KeyBank, USA, as Administrator, 800 Superior Avenue, Attn: M. Frances Byrd, Cleveland, Ohio 44114 - -------------------------------------------------------------------------------- (Address of Principal Executive Offices) Registrant's Telephone Number, Including Area Code: (216) 828-9357 ------------------------------ Exhibit Index on Page 4 Page 1 of 8 pages 2 Item 5. OTHER EVENTS On December 27, 1999, the KeyCorp Student Loan Trust 1999-A (the "Trust") made its regular, quarterly distribution of funds to holders of the Trust's Floating Rate Asset Backed Certificates and Floating Rate Asset Backed Notes and distributed the Certificateholder's Statement and Noteholder's Statement, filed herewith as Exhibits to this Form 8-K, to Certificateholders and Noteholders of record, respectively. In reliance upon certain no-action letters, including a letter dated May 9, 1997, issued by the Chief Counsel, Division of Corporate Finance of the Securities and Exchange Commission relating to the KeyCorp Student Loan Trust 1996-A, Registration No. 333-4274, the Trust is hereby filing the Certificateholder's Statement and Noteholder's Statement reflecting the Trust's activities for the period ending November 30, 1999, including a statistical summary of the delinquency and default characteristics of the Trust's student loan portfolio as of such date. Item 7. EXHIBITS Exhibit 99(a) - Certificateholder's Statement Exhibit 99(b) - Noteholder's Statement Page 2 of 8 pages 3 SIGNATURE Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized. Date: December 27, 1999 KeyCorp Student Loan Trust 1999-A, By: Bank One, National Association, not in its individual capacity but solely as Eligible Lender Trustee on behalf of the Trust By: /S/ JEFFREY L. KINNEY ---------------------------------------------- Jeffrey L. Kinney Vice President Page 3 of 8 pages 4 EXHIBIT INDEX Exhibit 99(a) Certificateholder's Statement 5 99(b) Noteholder's Statement 7 Page 4 of 8 pages