Benefits for KHESLC Military Service Members
Thank you for serving our country. We would like to make you aware of the benefits that may be available to you.
What you need to know about your Federal student loan benefits
Your Contact Information
Servicemembers Civil Relief Act (SCRA)
- Please make sure that you keep us updated with your contact information so we know how to keep you informed about your account.
- Sign into your kheslc.com secure account to update your mailing address, phone number, and email address.
- Call us at (800) 693-8220, Monday through Thursday, 9 a.m. – 5:30 p.m., and Friday, 8:00 a.m. – 4:30 p.m. Eastern Time to speak to a Loan Servicing Representative
- Third Party Permission
- In order to release your confidential account information to individuals you are authorizing, you must complete this form.
- Power of Attorney
- Providing Power of Attorney (POA) to someone you trust may be helpful if you have limited access to your account. We must have a POA on file before your designated POA can make any changes on your account. Make sure your name and account number are listed on the POA that you provide to us.
- If you have loans that you obtained before going on active duty military service, you may be eligible to limit
the interest rate on your loans to 6% during the period of your active duty military service under the Servicemembers
Civil Relief Act (SCRA).
- If you are not receiving the SCRA benefit and believe you should, please
contact us or send us a written request, along with a copy of your military
orders. Or you may fill out and send in a completed Servicemember Civil Relief
Act (SCRA): Interest Rate Limitation Request form.
HEROES Act Waiver
- There are specific deferments and forbearances that may be available to you. Click on the links below for eligibility requirements:
- If you are having difficulty making payments, there are repayment options available to assist you.
- There may be other deferment or forbearance options available to you. Click on the Deferment or Forbearance tab for information.
While you are on active duty, KHESLC waives many documentation requirements attached to program benefits.
For example, the HEROES Act Waiver allows you or someone on your behalf, such as your school, spouse, or other family member, to request an extension of the reduced payment amount on your income-driven repayment plan. The waiver is available, for a maximum of three years, for Servicemembers experiencing these conditions:
Serving on active duty during a war, other military operation, or national emergency
- Serving on Active Duty means a reserve member of the Armed Forces is ordered to active duty in connection with a war or other military operation or national emergency, regardless of the location at which that active duty service is performed. Active duty also includes any other member of an Armed Force on active duty in connection with any war, operation, or emergency or subsequent actions of conditions who has been assigned to a duty station at a location other than the location at which the individual is normally assigned, including full-time duty in the active military service of the United States. It excludes active duty for training or attendance at a service school (e.g., the U.S. Military Academy or the U.S. Naval Academy).
- Military Operation means a contingency operation as defined in 10 U.S.C. Section 101(a)(13), that is designated by the Secretary of Defense as an operation in which members of the armed forces are or may become involved in military actions, operations, or hostilities against an enemy of the United States or against an enemy of the United States or against an opposing military force, or results in the call or order to, or retention on, active duty of members of the uniformed services under Section 688, 12301(a), 12302, 12304, 12304a, 12305, or 12406 of this title, Chapter 15 of this title, Section 712 of Title 14, or any other provision of law during a war or during a national emergency declared by the President or Congress.
- National Emergency means you are residing in, or employed in, an area declared a disaster area by any federal, state, or local official in connection with a national emergency declared by the President of the United States.
Performing qualifying National Guard duty during a war, or other military operation, or national emergency
- Qualifying National Guard Duty includes service as a member of the National Guard on full-time National Guard duty under a call to active service authorized by the President or the Secretary of Defense of the United States for a period of more than 30 consecutive days in connection with a war, another military operation, or national emergency declared by the President and supported by federal funds.
To request the HEROES Act Waiver, a copy of your military orders will always be required. To apply online, complete the Heroes Act Waiver form, and then upload it and a copy of your military orders. Or, the completed form and orders can be mailed to the below address or faxed to (502) 329-7077.
P.O. Box 24328
Louisville, KY 40224-0328
To apply by phone, contact us at (800) 693-8220 during Monday – Thursday, 9:00 AM – 5:30 PM Eastern, or Friday, 8:00 AM – 4:30 PM Eastern. When we receive your documentation, we will review it and notify you of your eligibility.
For other benefits applicable to Servicemembers visit https://studentaid.ed.gov/sa/sites/default/files/military-student-loan-benefits.pdf