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                       SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON, D.C. 20659

                                    FORM 10-K

                  FOR ANNUAL AND TRANSITION REPORTS PURSUANT TO
           SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

(MARK ONE)
|X| ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES
    EXCHANGE ACT OF 1934
For the fiscal year ended December 31, 2002
                                       OR
|_|   TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES
      EXCHANGE ACT OF 1934
For the transition period from ____________ to ____________.

                      Commission File Number: 333-80109-02

                        KEYCORP STUDENT LOAN TRUST 2000-A
             ------------------------------------------------------
             (EXACT NAME OF REGISTRANT AS SPECIFIED IN ITS CHARTER)


          DELAWARE                                          36-4362436
------------------------------------              -----------------------------
   STATE OR OTHER JURISDICTION                             (I.R.S. EMPLOYER
OF INCORPORATION OR ORGANIZATION                          IDENTIFICATION NO.)


  C/O KEY BANK USA, NATIONAL ASSOCIATION, AS ADMINISTRATOR, 800 SUPERIOR AVE.,
  ----------------------------------------------------------------------------


 ATTN:  DEBRA FRONIUS, CLEVELAND, OHIO                             44114
----------------------------------------                         ----------
(ADDRESS OF PRINCIPAL EXECUTIVE OFFICES)                         (ZIP CODE)

Registrant's telephone number, including area code:       (216) 828-9353
                                                    --------------------------

Securities Registered pursuant to Section 12(b) of the Act:         None
                                                             -----------------

Securities Registered pursuant to Section 12(g) of the Act:         None
                                                             -----------------

        Indicate by check mark whether the registrant (1) has filed all reports
required to be filed by Section 12 or 15(d) of the Securities Exchange Act of
1934 during the preceding 12 months (or for such shorter period that the
registrant was required to file such reports), and (2) has been subject to such
filing requirements for the past 90 days.
Yes     X         No
    ---------        ---------

        The registrant has no officer, director or beneficial owner of more than
10% of equity securities to whom Section 16(a) of the Act applies and
consequently Item 405 of Regulation S-K does not apply.

        The registrant does not have any voting stock, has not been involved in
bankruptcy proceedings during the past five years and is not a corporate
registrant.

        No documents are incorporated by reference into this Form 10-K.
                            Exhibit Index on Page 8
                               Page 1 of 25 Pages




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        This Annual Report on Form 10-K is filed 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,
stating that the Division will not object if the Registrant files reports
pursuant to Sections 13 and 15(d) of the Securities Exchange Act in the manner
described in a letter dated April 28, 1997, to the Office of Chief Counsel on
behalf of Key Bank USA and said Trust. Accordingly, certain items have been
omitted from or modified in this Annual Report on Form 10-K.

                                     PART I
Item 1.    Business.

           Omitted.

Item 2.    Properties.

           The property of the Registrant consists solely of student loans that
           are either (i) guaranteed as to the payment of principal and interest
           by the Pennsylvania Higher Education Assistance Agency ("PHEAA"),
           Nebraska Student Loan Program ("NSLP"), California Student Aid
           Commission ("CSAC"), United Student Aid Fund ("USAF"), New York State
           Higher Education Services Corporation ("HESC"), Educational Credit
           Management Corporation ("ECMC"), Great Lakes Higher Education
           Guaranty Corporation ("GLHEC"), Michigan Higher Education Assistance
           Agency ("MHEAA") or the Massachusetts Higher Education Assistance
           Corporation now doing business as American Student Assistance
           ("ASA"), and are reinsured by the United States Department of
           Education (the "Department") or (ii) guaranteed as to the payment of
           principal and interest by The Education Resources Institute, Inc.
           ("TERI") a private guarantor and are not reinsured by the Department
           or (iii) are non-guaranteed and not reinsured by the Department.

           See Exhibit 99(a), a Certificate of Key Bank USA, National
           Association, as Master Servicer of the Registrant with respect to the
           activities of the Master Servicer during the fiscal year ended
           December 31, 2002.

           See Exhibits 99(b) and 99(f), a Certificate of Pennsylvania Higher
           Education Assistance Agency, as Subservicer of the Registrant, and
           the Independent Accountant's Report of KPMG Peat Marwick with respect
           to the activities of such Subservicer during the calendar year ended
           December 31, 2002.

           See Exhibits 99(c) and 99(g), a Certificate of Great Lakes
           Educational Loan Services, Inc. ("Great Lakes"), as Subservicer of
           the Registrant, and the Independent Accountant's Report of Ernst &
           Young with respect to the activities of the Subservicer during the
           calendar year ended December 31, 2002.

           See Exhibits 99(d) and 99(h), a Certificate of Key Bank USA, National


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           Association, as Administrator of the Registrant, and the Independent
           Auditor's Report of Ernst & Young with respect to the activities of
           the Administrator during the fiscal year ended December 31, 2002.

           See Exhibit 99(e), a Certificate of the Registrant, through Bank One,
           National Association, as Eligible Lender Trustee of the Registrant
           with respect to the activities of the Registrant as Issuer during the
           fiscal year ended December 31, 2002.

Item 3.    Legal Proceedings.

           The Registrant knows of no material pending legal proceedings
           involving the Registrant or its property.

Item 4.    Submission of Matters to a Vote of Security Holders.

           No matters were submitted to Noteholders for a vote during the fiscal
           year covered by this Annual Report aside from the single class of $0
           principal and 0% interest Certificates issued to the Depositor, which
           represents its residual interest in the Trust's assets, the
           Registrant did not issue any Certificates; it only issued Floating
           Rate Asset Backed Notes.

                                     PART II

Item 5.    Market for Registrant's Common Equity and related Stockholder
           Matters.

           Not Applicable; aside from the single class of $0 principal and 0%
           interest Certificates issued to the Depositor, which represents its
           residual interest in the Trust's assets, the Registrant did not issue
           any Certificates; it issued only Floating Rate Asset Backed Notes.

Item 6.    Selected Financial Data.

           Omitted.

Item 7.    Management's Discussion and Analysis of Financial Condition and
           Results of Operations.

           Omitted.

Item 8.    Financial Statements and Supplementary Data.

           Omitted.

Item 9.    Changes in and Disagreements with Accountants on Accounting and
           Financial Disclosure.

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                                                                    Page 4 of 25


           None.
                                    PART III

Item 10.   Directors and Executive Officers of the Registrant.

           Omitted.

Item 11.    Executive Compensation.

           Omitted.

Item 12.   Security Ownership of Certain Beneficial Owners and Management.

           Not applicable; aside from the single class of $0 principal and 0%
           interest Certificates issued to the Depositor, which represents its
           residual interest in the Trust's assets, the Registrant did not issue
           any Certificates, it issued only Floating Rate Asset Backed Notes.


Item 13.     Certain Relationships and Related Transactions.

           Not applicable; aside from the single class of $0 principal and 0%
           interest Certificates issued to the Depositor, which represents its
           residual interest in the Trust's assets, the Registrant did not issue
           any Certificates, it issued only Floating Rate Asset Backed Notes.

                                     PART IV

Item 14.     Exhibits, Financial Statement Schedules and Reports on Form 8-K.
         (a)(1) Financial Statements
             Not Applicable.

         (a)(2) Financial Statement Schedules
             Not Applicable.

         (b) Reports on Form 8-K filed during the last quarter of 2002:
             8-K dated November 27, 2002, reporting under Item 5 thereof, the
             regular quarterly distribution to the holders of the Trust's
             Floating Rate Asset Backed Notes and the distribution of the
             Noteholder's Statement.

         (c) Exhibits.  The following documents are filed as part of this Annual
             Report on Form 10-K.


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<TABLE>
<CAPTION>
EXHIBIT NUMBER                                    DESCRIPTION

<S>                  <C>
     99(a)           Master Servicer's Compliance Certificate, Key Bank USA, National
                     Association.

     99(b)           Subservicer's Compliance Certificate from Pennsylvania Higher
                     Education Assistance Agency ("PHEAA").

     99(c)           Subservicer's Compliance Certificate from Great Lakes Educational
                     Loan Services, Inc. ("Great Lakes").

     99(d)           Administrator's Compliance Certificate.

     99(e)           Issuer's Compliance Certificate.

     99(f)           Independent Accountant's Report of KPMG Peat Marwick regarding PHEAA.

     99(g)           Independent Accountant's Report of Ernst & Young regarding Great
                     Lakes.

     99(h)           Independent Auditor's Report of Ernst & Young.
</TABLE>




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Pursuant to the requirements of Section 13 or 15(d) of the Securities Exchange
Act of 1934, the Registrant has duly caused this report to be signed on its
behalf of the undersigned, thereunto duly authorized.

Date:  March  28, 2003
                                  KEYCORP STUDENT LOAN TRUST 2000-A

                                  BY:  KEY BANK USA,  NATIONAL ASSOCIATION,
                                       AS ADMINISTRATOR, ON BEHALF OF THE TRUST

                                  By:          /S/ DARLENE H. DIMITRIJEVS
                                    -------------------------------------------

                                  Name:       Darlene H. Dimitrijevs
                                           ------------------------------------

                                  Title:     Senior Vice President
                                           ------------------------------------

SUPPLEMENTAL INFORMATION TO BE FURNISHED WITH REPORTS FILED PURSUANT TO SECTION
15(d) OF THE ACT BY REGISTRANTS WHICH HAVE NOT REGISTERED SECURITIES PURSUANT TO
SECTION 12 OF THE ACT.

No annual report, proxy statement, form of proxy or other proxy soliciting
material has been sent to Certificateholders during the period covered by this
Annual Report on Form 10-K and the Registrant does not intend to furnish such
materials to Certificateholders subsequent to the filing of this report. There
are no Certificateholders.

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                        KEYCORP STUDENT LOAN TRUST 2000-A
                                  CERTIFICATION

I, Darlene H. Dimitrijevs, hereby certify that I am a Senior Vice President of
Key Bank USA, National Association, the Master Servicer and Administrator of
KeyCorp Student Loan Trust 2000-A and as such, I certify that:

1.      I have reviewed this annual report on Form 10-K, and all reports on Form
        8-K containing distribution or servicing reports filed in respect of
        periods included in the year covered by this annual report, of KeyCorp
        Student Loan Trust 2000-A (the "Trust");

2.      Based on my knowledge, the information in these reports, taken as a
        whole, does not contain any untrue statement of a material fact or omit
        to state a material fact necessary to make the statements made, in light
        of the circumstances under which such statements were made, not
        misleading as of the last day of the period covered by this annual
        report;

3.      Based on my knowledge, the distribution or servicing information
        required to be provided to the Eligible Lender Trustee and the Indenture
        Trustee by the Administrator under the related Sale and Servicing
        Agreement, or similar agreement, for inclusion in these reports is
        included in these reports;

4.      I am responsible for reviewing the activities performed by the Master
        Servicer under the related Sale and Servicing Agreement, or similar
        agreement, and based upon my knowledge and the annual compliance review
        required under that agreement, and except as disclosed in the reports,
        the Master Servicer has fulfilled its obligations under that agreement;
        and

5.      The reports disclose all significant deficiencies relating to the Master
        Servicer's compliance with the minimum servicing standards based upon
        the report provided by an independent public accountant, after
        conducting a review in compliance with the Uniform Single Attestation
        Program for Mortgage Bankers or similar procedure, as set forth in the
        related Sale and Servicing Agreement, or similar agreement, that is
        included in these reports.

In giving the certification above, I have reasonably relied on information
provided to me by the following unaffiliated parties: Pennsylvania Higher
Education Assistance Agency, Great Lakes Educational Loan Services, Inc., Bank
One National Association, as Eligible Lender Trustee, and Deutsche Bank Trust
Company Americas (formerly known as Bankers Trust Company), as Indenture
Trustee.

Date:  March 20, 2003               /S/ DARLENE H. DIMITRIJEVS
                                    --------------------------
                                        Darlene H. Dimitrijevs
                                        Senior Vice President
                                        Key Bank USA, National Association



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                                INDEX OF EXHIBITS




<TABLE>
<CAPTION>
EXHIBIT NUMBER                     DESCRIPTION                         PAGE

<S>                <C>                                                 <C>
    99(a)                 Master Servicer's Compliance                   9
                                   Certificate

    99(b)               Subservicer's Compliance Certificate            10
                                     PHEAA

    99(c)              Subservicer's Compliance Certificate             11
                                   Great Lakes

    99(d)             Administrator's Compliance Certificate            12

    99(e)                Issuer's Compliance Certificate                13

    99(f)               Independent Accountant's Report of              14
                           KPMG Peat Marwick regarding
                                     PHEAA

    99(g)                 Independent Accountant's Report of            20
                          Ernst & Young regarding Great Lakes

    99(h)                 Independent Accountant's Report of            25
                                    Ernst & Young
</TABLE>