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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 login will work at and all of your account information will remain the same.

Continue to ARC Servicing

Kentucky Advantage Education Loans

Low FIXED interest rates and ZERO fees to save you money!


4.38% - 9.89%


5.95% - 9.99%

Continue to Kentucky

KHESLC 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.