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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 4.38% 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.

* 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 06/01/2024.