Thanks, Ana. I haven't contacted Kobo yet, but unless things have changed recently, a small (or self-) publisher has to submit through a digital aggregator (middleman). With Kobo, that's either Smashwords or Author Solutions. It's my understanding that Kobo doesn't presently allow direct upload, like Amazon and Barnes and Noble.
I looked around at
Author Solutions' website earlier this morning, and it's unclear (at first glance, anyway) whether their e-book services are free.
I can do the Word formatting for Smashwords myself. It doesn't look too difficult, just a bit time-consuming. I'm sure I'll be able to get the Word file to qualify for their Premium Catalog.
I'm going to have to put this aside for a while because I have some other things I need to work on, but at some point I'll look into the distribution options further.