Our offices will be closed on Monday, January 19, 2026, in observance of Martin Luther King, Jr.'s Birthday. We will resume Read moreour normal operating hours on Tuesday, January 20, 2026.
ARC Servicing
On January 16, 2024, KHESLC transferred the servicing of your loans to ARC Servicing — a division of Asset Resolution Corporation. KHESLC is still the holder of your loans. Your current KHESLC.com login will work at ARCServicing.com and all of your account information will remain the same.
Continue to ARC ServicingKentucky Advantage Education Loans
Low FIXED interest rates and ZERO fees to save you money!
Student/Parent
3.18% - 11.49%
Refinance
5.15% - 10.69%
Continue to Kentucky AdvantageEducationLoan.comKHESLC is the Kentucky Higher Education Student Loan Corporation, 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.