Our offices will be closed on Monday, May 29, 2023, in observance of Memorial Day. Payments made after 3 p.m. Friday, May 26, 2023, will be

posted when our offices resume business on Tuesday, May 30, 2023, and will reflect on your account on Wednesday, May 31, 2023.

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Advantage Loans

We're a not-for-profit, so you get education loans with Low Rates and No Fees!

Students and Parents

4.49% - 8.04%*


5.20% - 7.99%*

Even lower rates with our autopay discount!


Student Loan Cancellation

FFEL borrowers interested in Student Loan Debt Relief, should not consolidate. Borrowers with FFEL loans, who consolidate on or after Sept. 29, 2022, will not be eligible for Student Loan Debt Relief. KHESLC is waiting for additional details as to how this Student Loan Debt Relief will be implemented for our FFEL borrowers.


COVID-19 Updates

We are here to help make sense of all the changes.

The Loan Servicing call center hours have temporarily changed to 8:30am to 5pm ET Monday through Thursday and 8 am to 4:30pm ET Friday.


Income Driven Repayment Program Changes