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                                                Filed Pursuant To Rule 424(b)(3)
                                                    Registration No. 333-58073

PROSPECTUS SUPPLEMENT
To Prospectus dated February 3, 1999


                                  $865,000,000

                        KEYCORP STUDENT LOAN TRUST 1999-A
             $260,000,000 FLOATING RATE CLASS A-1 ASSET BACKED NOTES
             $570,400,000 FLOATING RATE CLASS A-2 ASSET BACKED NOTES
               $34,600,000 FLOATING RATE ASSET BACKED CERTIFICATES

                       KEY BANK USA, NATIONAL ASSOCIATION
                                     SELLER

The Prospectus dated February 3, 1999 is hereby amended and supplemented as
indicated below. Terms used herein and not otherwise defined have the meanings
given to them in the Prospectus.

Because this Supplement is to be used in connection with offers and sales
related to market-making transactions in the Securities, the following portions
of the Prospectus do not apply and are deemed deleted from such document to the
extent the document is used for market-making transactions:

         (a) the pricing table and related footnotes on the front cover page of
the Prospectus and the sentences on the front cover page of the Prospectus with
respect to the offering, delivery and issuance of the Securities;

         (b) the paragraph on the outside back cover page of the Prospectus
regarding the obligation of dealers to deliver a prospectus;

         (c) the paragraph on the inside front cover of the Prospectus with
respect to stabilization activities of certain parties; and

         (d) the "Underwriting" section of the Prospectus.

                               -------------------

This Supplement to the Prospectus is to be used by McDonald Investments in
connection with offers and sales from time to time related to market-making
transactions in the Securities in which McDonald Investments acts as principal.
McDonald Investments may also act as agent in such transactions. Sales will be
made at prices related to prevailing prices at the time of sale. Certain
information with respect to the Prospectus will be updated periodically by the
incorporation by reference of filings made on behalf of the Trust pursuant to
the Securities and Exchange Act of 1934, as amended. See "Incorporation of
Certain Documents by Reference" in the Prospectus.

                               ------------------

                              MCDONALD INVESTMENTS
                                A KeyCorp Company

                   Prospectus Supplement dated August 4, 2000








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The "Underwriting" section of the Prospectus is replaced with the following:



                              PLAN OF DISTRIBUTION

         The Seller does not intend to apply for listing of the Securities on a
national securities exchange, but has been advised by McDonald Investments Inc.
("McDonald Investments") that it may make a market in the Securities. McDonald
Investments is not obligated, however, to make a market in the Securities and
may discontinue market making at any time without notice. No assurance can be
given as to the liquidity of the trading market for the Securities.

         After the initial distribution of the Securities by Credit Suisse First
Boston Corporation and McDonald Investments, the Prospectus and the Prospectus
Supplement may be used by McDonald Investments, a subsidiary of KeyCorp and an
affiliate of the Seller, or its successors, in connection with offers and sales
relating to market making transactions in the Securities. McDonald Investments
may act as principal or agent in such transactions. Such transactions will be at
prices related to prevailing market prices at the time of sale. Any obligation
of McDonald Investments are the sole obligations of McDonald Investments and do
not create any obligations on the part of any affiliate of McDonald Investments.
McDonald Investments is a member of the New York Stock Exchange.

         McDonald Investments may engage in transactions that stabilize,
maintain or otherwise affect the price of the Securities. Specifically, McDonald
Investments may create a short position in the Securities for its own account.
McDonald Investments may bid for and purchase Securities in the open market to
cover such short positions. In addition, McDonald Investments may bid for and
purchase Securities in the open market to stabilize the price of the Securities.
These activities may stabilize or maintain the market price of the Securities
above independent market levels. McDonald Investments is not required to engage
in these activities, and may end these activities at any time.

         The Trust may, from time to time, invest the funds in the Trust
Accounts in Eligible Investments acquired from Credit Suisse First Boston
Corporation and McDonald Investments.

         In the ordinary course of their respective businesses, Credit Suisse
First Boston Corporation and McDonald Investments and their respective
affiliates have engaged and may in the future engage in commercial banking and
investment banking transactions with the Seller and its affiliates.