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
Program Committee Chair
Educator
Warren County Public Schools
Bowling Green
Andrew Brennen
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
Past-Chair
Louisville Paving & Construction
Louisville
Cathe Dykstra
Family Scholar House, Inc.
Louisville
Dr. Carl P. Rollins
Chair-Elect
Retired, CEO/Executive Director, KHEAA/KHESLC
Midway
Greg Roush
Chair
Retired High School Principal
Frankfort
Rita Smart
Finance and Audit Committee Chair
Retired State Legislator
Richmond
Ex Officio Members
Mason Dyer
President
Association of Independent Kentucky Colleges and Universities
Frankfort
Holly M. Johnson
Secretary
Finance & Administration Cabinet
Frankfort
Robbie Fletcher
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
Technical Support
Need Assistance? Contact Technical Support at 877-214-6119.
If you encounter any difficulties while creating your account or signing in, our technical support team is here to help. Please reach out if you experience:
- Problems with account registration or activation
- Issues logging in or resetting your password
- Error messages or technical glitches related to your account
Our dedicated support team is ready to assist you and ensure a smooth experience. Don’t hesitate to get in touch!
Advantage Loan Programs
Request an application; Information on Advantage Loans in process
800-988-6333
ARC Servicing (KHESLC's non-defaulted loans)
Assistance with loans held by KHESLC, serviced by ARC Servicing
800-693-8220
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
Feedback/Compliments
Marketing
KHESLC Marketing/General Information
888-678-4625
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 20, 2025
Martin Luther King, Jr.’s Birthday
April 18, 2025 - Closed at 11:45 a.m.
Good Friday
May 26, 2025
Memorial Day
June 19, 2025
Juneteenth
July 4, 2025
Independence Day
September 1, 2025
Labor Day
November 11, 2025
Veterans Day
November 27-28, 2025
Thanksgiving
December 25-26, 2025
Christmas
January 1, 2026 and January 2, 2026
New Year’s