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* 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.

Student and parent loans: Interest rate effective date is 05/27/2023.

Refinance loans: Interest rate effective date is 12/15/2023.