Rate Structure for Advantage Parent Loans

Advantage Education Loan — Parent Borrowers
Repayment Plan OptionsFeesAPR Rate Tiers *
(All rates fixed for the life of the loan)
Immediate Repayment

(principal plus interest) after final disbursement

3.75% - 4.70%
4.79% - 5.94%
5.19% - 6.34%
Immediate Repayment

(interest only) after final disbursement

4.49% - 5.14%
5.29% - 6.14%
5.99% - 6.59%
Postponed Repayment

until out of school for six months

5.39% - 5.74%
5.89% - 6.54%
6.59% - 6.99%

Rates are reduced even further when you take advantage of our autopay service!


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 transaction and credit history and will be determined once a credit decision is made. FIXED interest rates and their corresponding APRs are based on the repayment plan/term, your credit history and other factors. KHESLC reserves the right to modify or discontinue loan features loan features or benefits or to discontinue loan programs at any time without notice.

KHESLC is a public, not-for-profit organization. Advantage Loans are offered to students and their parents, as well as those who want to refinance their educational loans.