Home Page Kentucky Higher Education Student Loan Corporation

A man at a desk with a computer behind him. Text on the computer reads "We're here to help."

Advantage Loans

We've lowered our interest rates to save you money!

Students and Parents

2.84% - 6.23%*

Refinance

3.54% - 6.82%*

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.

studentaid.gov/debtrelief

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

A dollar sign icon for Make a Payment option

A graduate cap icon for Get a Loan option

A chart icon for Account Summary option

A Computer screen icon for Electronic Communications option

Advantage Education Loans

State Licensing and Business Registration Certificates

KHESLC PO Box 24328 Louisville, KY 40224-0328

© 2023 The Kentucky Higher Education Assistance Authority and the Kentucky Higher Education Student Loan Corporation. All Rights Reserved.

Advantage Education Loans

* Range of APR rates shown are based on using autopay. APRs and quoted savings are representative samples for educational purposes only and may not reflect current or actual loan rate offers or available percentage rates. Your actual APR will depend upon your credit transactions and credit history and will be determined once a credit decision is made. Advantage Education Loans have no application, origination, default, late or NSF fees.

Advantage Education Loans are private loans. We recommend applying for all eligible grants and scholarships first. We reserve the right to modify or discontinue loan features or benefits or to discontinue loan programs at any time without notice. Rates vary based on the repayment plan or repayment term you've selected, your credit history and other factors. Advantage Education Loans are owned, managed, and serviced by KHESLC, a state-based, non-profit lender. We do not sell or subcontract our loans.

Advantage Refinance Loans are considered new loans which provide new benefits and features.