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General Information
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
- 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 800-693-8220, Monday - Thursday, 8:30 a.m. - 7:30 p.m. Eastern or Friday, 8 a.m. - 4:30 p.m. Eastern to speak with 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 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.
To qualify for a Military Service or Post–Active Duty Student Deferment, you must meet the following criteria:
- Be serving or returning from active duty in connection with war, other military operation, or national emergency, including qualifying National Guard duty. This does not include active duty for training or attendance at a service school.
- Have an authorized official complete Section 4 of the deferment form. As an alternative, you may have a commanding or personnel officer submit supporting documentation or submit a copy of your active duty orders
Download Military Service and Post–Active Duty Student Deferment Form.
The Service Forbearance is for borrowers who do not qualify for a military service deferment or who are participating in the Department of Defense Student Loan Repayment Program. This forbearance request is also used for borrowers who are participating in a Medical or Dental Internship/Residency.
Instead of forbearance, you may want to consider requesting a payment plan that determines your monthly payment amount based on your income. During a period of forbearance, interest will continue to accrue. You can make interest payments during this time. Any unpaid interest may be capitalized (added to the principal balance) and may result in an increased payment amount. This will increase the total overall cost of the loan.
There is no maximum time for this forbearance. However, the forbearance is granted through the certified end date. If you still meet the qualifications below when the forbearance ends, you must complete a new forbearance form to verify you are still eligible.
Qualifications:
Medical or Dental Internship/Residency
- You have been accepted into an internship/residency.
- Your program requires that you have a bachelor’s degree.
- You must receive supervised training in your internship/residency program.
- Your program must lead to a degree or certificate awarded by an institution of higher education, a hospital, or a health care facility that offers postgraduate training.
- You must be required to complete the program before you can begin professional practice or service.
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National Guard Duty
- You are a member of the National Guard.
- You are engaged in active state duty for a period of more than 30 consecutive days because a governor activated you based on state statute or policy.
- You are engaged in active state duty for a period of more than 30 consecutive days because a governor activated you with the approval of the President or the U.S. Secretary of Defense.
- You were not activated within six months after the last date on which you were enrolled at least half-time at an eligible school.
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Department of Defense Student Loan Repayment Program
You are performing service that qualifies you for a partial repayment of your loans under any Department of Defense Student Loan Repayment Program.
Qualifications:
- You must be serving in a national emergency and assigned to a military operation declared by the President or Congress. This does not include training or attendance at a service school. This also requires a reassignment of duty location from which you are normally assigned.
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 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, 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, you must provide a copy of your military orders. 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.
KHESLCPO Box 24328Louisville, KY 40224-0328
To apply by phone, contact us at 800-693-8220 800-693-8220 Monday – Thursday, 8:30 a.m. – 7:30 p.m. Eastern, or Friday, 8:00 a.m. – 4:30 p.m. 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.gov/sites/default/files/military-student-loan-benefits.pdf
