We construct a Baum-Douglas type model for K-homology with coefficients in ℤ/kℤ. The basic geometric object in a cycle is a spinc ℤ/kℤ-manifold. The relationship between these cycles and the topological side of the Freed-Melrose index theorem is discussed in detail. Finally, using inductive limits, we construct geometric models for K-homology with coefficients in any countable abelian group.