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Payment Solutions - Repayment Options

Extended Repayment

The extended repayment plan allows you up to 25 years instead of 10 to repay your loan. This is an alternative to loan consolidation. Extending your loan term may increase the amount of interest paid over the life of the loan.

Extended Term Eligibility Requirements:
  • Owe more than $30,000 in Stafford, PLUS or Federal Consolidation loans
  • Loans must have been disbursed on or after October 7, 1998
  • Loans can be serviced by multiple lenders.
  • Private and Perkins Loans are not eligible
Start out making reduced payments for the first 2 years. Your payment amount then increases by 10% every 2 years for the remaining loan term. Please contact us for an estimated payment amount.


Mail form to:
KHESLC
P.O. Box 24328
Louisville, KY 40224-0328

Or fax form to: (502) 329-7077

Example of Payment Possibilities:

$30,000 loan, monthly payment at 7.22% on a 10-year plan = $352
Extended term payment on a 25-year plan = $216 per month
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