Our offices will be closed on Monday, May 25, 2026, in observance of Memorial Day. We will resume our normal operating hours Read moreon Tuesday, May 26, 2026.
ARC Servicing
ARC Servicing — a division of Asset Resolution Corporation — is the loan servicer for Kentucky Higher Education Student Loan Corporation (KHESLC). If you have not logged into your online student loan account since April 6, 2026, you will need to set up a new Username (cannot be an email address) and Password. Click on the link below to Sign In to your account or to create a new account by selecting ‘Sign Up’.
Continue to ARC ServicingKentucky Advantage Education Loans
Low FIXED interest rates and ZERO fees to save you money!
Student/Parent
3.18% - 11.49%
Refinance
5.15% - 10.69%
Continue to Kentucky AdvantageEducationLoan.comKHESLC is the Kentucky Higher Education Student Loan Corporation, Kentucky’s only not-for-profit student loan lender. KHESLC is an independent public agency created in 1978 and finances, makes and purchases student loans.
We offer low-cost Advantage Education Loans to students and parents, as well as Advantage Refinance Loans to borrowers already in repayment.