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Our offices will be closed on Wednesday, June 19, 2024, in observance of Juneteenth. We will resume our normal operating hours on Thursday, June 20, 2024.
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About Us

Kentucky Higher Education Student Loan Corporation (KHESLC) is 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.

KHESLC is part of two agencies with one mission: help our education partners, students and families achieve their goals. KHESLC and the Kentucky Higher Education Assistance Authority (KHEAA), which was established in 1966, have more than 55 years’ experience making these goals a reality. In that time, we’ve remained committed to our mission, our customer service and our professional and ethical conduct.

We pride ourselves on our respect and advocacy for our stakeholders and employees. Our agencies are also committed to diversity, equity, and inclusion.

Board of Directors

KHEAA/KHESLC/KAPT Board of Directors

Appointed Board Members

Megan C. Bailey

Educator

Warren County Public Schools

Bowling Green

Andrew Brennen

Finance and Audit Committee Chair

Kentucky Student Voice Team

Lexington

Ellen Cartmell

Program Manager

Kentucky Department for Public Health

Maysville

Leslie Combs

Secretary-Treasurer

Retired State Legislator

Lexington

John Dougherty, Jr

Chair

Louisville Paving and Construction

Louisville

Cathe Dykstra

Past-Chair

Family Scholar House, Inc.

Louisville

Dr. Carl P. Rollins

Program Committee Chair

Retired KHEAA/KHESLC CEO/Executive Director

Midway

Greg Roush

Chair-Elect

Retired High School Principal

Frankfort

Rita Smart

Retired State Legislator

Richmond

David Son

Attorney

Louisville

Ex Officio Members

Mason Dyer

President

Association of Independent Kentucky Colleges and Universities

Frankfort

Holly M. Johnson

Secretary

Finance & Administration Cabinet

Frankfort

Robin Kinney

Interim Commissioner

Kentucky Department of Education

Frankfort

Mark Metcalf

State Treasurer

Frankfort

Dr. Aaron Thompson

President

Council on Postsecondary Education

Frankfort

Employment Information

Check out our job postings on indeed.com.

KHESLC and KHEAA are equal opportunity employers. We do not discriminate based on age, sex, religion, race or national origin.

Contact Us

Email

Email Customer Service

Marketing

KHESLC Marketing/General Information

888-678-4625

marketing@kheslc.com

Advantage Loan Programs

Request an application; Information on Advantage Loans in process

800-988-6333

AdvantageEducationLoan.com

Loan Servicing(non-defaulted loans)

Assistance with loans held by KHESLC, serviced by ARC Servicing

800-693-8220

ARCServicing.com

Feedback/Compliments

Debt Recovery

Federal loan in default

800-928-4241

Advantage Education Loans in default

888-599-3535

Accounts in collection formerly owned by Georgia Student Finance Authority (GSFA)

888-599-3535

Technical Support

Technical Support

877-214-6119

Open Records

Pursuant to Kentucky’s Open Records Act, Kentucky Revised Statutes 61.870, et. seq., records maintained by public agencies are subject to review by members of the public. While there are exceptions to this general rule, most public records can be inspected upon submission in writing of a request to inspect and/or copy records. As an independent public agency, the Kentucky Higher Education Student Loan Corporation ("KHESLC") is subject to this Act. Therefore, anyone desiring to review records maintained by KHESLC may submit a written request to KHESLC’s Legal Services Division by mail or facsimile to the address or fax number below. This request may also be submitted electronically at compliance@kheaa.com. The request should describe with specificity the documents being requested. Finally, please note that, per KRS 61.874(1) and (3), KHESLC charges a nominal fee (currently $.10 per page) if photocopies of records are requested.

Open Records Mailing Address

KHESLC

PO Box 24266

Louisville, KY 40224-0266

Corporate Holidays

KHESLC will be closed on the following days:

January 15, 2024

Martin Luther King, Jr.’s Birthday

March 29,2024 - Closed at 11:45 a.m.

Good Friday

May 27, 2024

Memorial Day

July 4, 2024

Independence Day

September 2, 2024

Labor Day

November 5, 2024

Presidential Election Day

November 11, 2024

Veterans Day

November 28-29, 2024

Thanksgiving

December 24-25, 2024

Christmas

December 31, 2024 and January 1, 2025

New Year’s