If you are a Kentucky resident or attend school in Kentucky, check out the KY Advantage Education Loan program’s special benefits.
Find out about our Kentucky Advantage Veterinary Loan Program, which offers special benefits to veterinary professionals working in the Commonwealth.
Undergraduate Student Loan
- Loans for undergraduate level students who need additional funds to help pay college expenses.
- Our student loans have low FIXED rates starting at 3.43% APR*.
- Rates are even lower using our autopay.
- No fees.
Graduate and Medical Student Loan
- Loans for graduate and professional level students who need help financing their postgraduate expenses, such as for a Master's or medical/dental degree.
- Our graduate loans have low FIXED rates starting at 2.94% APR*.
- Rates are even lower using our autopay.
- No fees.
Parent Loan
- Loans for parents of undergraduate, graduate and professional level students who need additional educational funds for college.
- Our parent loans have low FIXED rates starting at 3.43% APR*.
- Rates are even lower using our autopay.
- No fees.
Refinance Loan
- Once you're out of school, consider refinancing or consolidating your educational loans to get a lower interest rate and one convenient loan.
- Our refinance and consolidation loans have low FIXED rates starting at 4.99% APR*.
- Rates are even lower using our autopay.
- No fees.
FIXED interest rates
— no worries about ever-fluctuating variable rates
NO fees
— no surprises! The amount borrowed is the amount received
Several repayment options
— choose the repayment plan that best fits your needs
Autopay incentives
— more long term savings
Additional benefits when needed
— death and disability benefits
— cosigner release
* APRs and quoted savings 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 or repayment term you've selected, your credit history, state of residency, location of school, and other factors. Advantage Education Loans are owned and managed by KHESLC, a state-based, non-profit lender. We do not sell our loans.
Advantage Refinance Loans are considered new loans which provide new benefits and features. Some federal student loans have certain benefit protections that may be lost when refinancing.
Undergraduate and Parent loans: Interest rate effective date is 06/01/2026.
Graduate and Medical loans: Interest rate effective date is 04/11/2026.
Refinance loans: Interest rate effective date is 06/01/2026.
