KEYCORP STUDENT LOAN TRUST 2000-A
8-K, 2000-12-06
ASSET-BACKED SECURITIES
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<PAGE>   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):             November 27, 2000
                                                 -------------------------------



                        KEYCORP STUDENT LOAN TRUST 2000-A
--------------------------------------------------------------------------------
             (Exact Name of Registrant as Specified in its Charter)



          Delaware                     333-80109-02            36-4362436
----------------------------     ------------------------  --------------------
(State or Other Jurisdiction     (Commission File Number)    (I.R.S. Employer
  of Incorporation)                                         Identification No.)





c/o KeyBank USA, National Association as Administrator, 800 Superior Avenue,
Attn: Janelle Gould, Cleveland, Ohio 44114
--------------------------------------------------------------------------------
                    (Address of Principal Executive Offices)


Registrant's Telephone Number, Including Area Code:    (216) 828-9358
                                                   -----------------------------





                             Exhibit Index on Page 4
                                                  --

                                Page 1 of 6 pages


<PAGE>   2

 Item 5.  OTHER EVENTS

On November 27, 2000, the KeyCorp Student Loan Trust 2000-A (the "Trust") made
its regular, quarterly distribution of funds to holders of the Trust's Floating
Rate Asset Backed Notes and distributed the Noteholder's Statement, filed
herewith as Exhibit to this Form 8-K, to Noteholders of record.

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 Noteholder's
Statement reflecting the Trust's activities for the period ending
October 31, 2000, 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) -      Noteholder's Statement












                                Page 2 of 6 pages



<PAGE>   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:  November 27, 2000




                             KeyCorp Student Loan Trust 2000-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 6 pages



<PAGE>   4

                                  EXHIBIT INDEX

Exhibit

99(a)    Noteholder's Statement                                   5










































                Page 4 of 6 pages


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