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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.
Products and Services
Advantage Education Loans are great options when you need more money to pay college expenses and manage your education debt. Whether you are a student, parent or working professional, choosing an Advantage Education Loan is the smart decision.
To view loan details and benefits, or to apply, choose one of the following options.
The Advantage Education Loan is a great choice for students who have exhausted their grant and scholarship options.
The Advantage Education Loan offers FIXED interest rates starting at 3.18% APR and there are NO fees.* Even lower rates with our autopay discount!
Your rate is based on the repayment plan you’ve selected, your credit history and other factors. You may qualify for an even lower interest rate if you apply with a creditworthy cosigner. It’s good to know there are more options when you need them.
Advantage Education Loan - Application Disclosure
* APRs 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 you've selected, your credit history and other factors. Advantage Education Loans are owned and managed by KHESLC, a state-based, non-profit lender. We do not sell or subcontract our loans.
Interest rate effective date is 12/01/2025.
The Advantage Parent Loan is for parents of undergraduate or graduate students who need more funds for college expenses.
The Advantage Parent Loan offers FIXED interest rates starting at 3.18% APR and there are NO fees.* Even lower rates with our autopay discount!
Your rate is based on the repayment plan you’ve selected, your credit history and other factors. You may qualify for an even lower interest rate if you apply with a creditworthy cosigner. It’s good to know there’s an option for you to help them.
Advantage Parent Loan - Application Disclosure
* APRs 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 Parent Loans have no application, origination, default, late or NSF fees.
Advantage Parent 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 you've selected, your credit history and other factors. Advantage Parent Loans are owned and managed by KHESLC, a state-based, non-profit lender. We do not sell or subcontract our loans.
Interest rate effective date is 12/01/2025.
The Advantage Refinance Loan can help people paying back student loans save money and get out of debt quicker.
Combine all your education loans with a fixed interest rate Advantage Refinance Loan. Rates start as low as 5.15% APR and NO fees.* Even lower rates with our autopay discount!
With flexible terms of 10, 15 or 20 years, the Advantage Refinance Loan may be the loan for you!
Advantage Refinance Loan - Application Disclosure
* APRs 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 Refinance Loans have no application, origination, default, late or NSF fees.
Advantage Refinance Loans are private loans and are considered new loans which provide new benefits and features. 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 term you've selected, your credit history and other factors. Advantage Refinance Loans are owned and managed by KHESLC, a state-based, non-profit lender. We do not sell or subcontract our loans.
Interest rate effective date is 06/01/2025.
Proactively manage your Cohort Default Rate with our Cohort Default Management Services.
KHEAA understands the importance of keeping your default rates as low as possible — that’s why we offer three levels of our Cohort Default Management Services to meet your needs: Student Transition, Early Intervention and Default Prevention.
KHEAA has more than 50 years of experience helping student loan borrowers successfully navigate their repayment obligations and continues to assist schools and their students in this manner through our Cohort Default Management Services.
For more information, contact marketing@kheaa.com.
KHEAA provides private loan services, including initial loan application, underwriting, origination and disbursement for lenders seeking to outsource this complex and highly regulated package of services.
For more information, contact marketing@kheaa.com.
Financial aid officials at colleges and universities can log in to update borrowers' addresses and phone numbers as required by applicable regulations. Some of the advantages of electronic communication include:
- Quick transmission
- Convenience
- Low cost
- Ease of access
- Remote access
Log in here to view your school's information
