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About Our Loans
Our offices will be closed the afternoon of Friday, March 29, 2024, in observance of Good Friday. We will resume our normal operating
Our offices will be closed the afternoon of Friday, March 29, 2024, in observance of Good Friday. We will resume our normal operating hours on Monday, April 1, 2024.
Read more Read lessAdvantage Refinance Loans
Refinance your student loans
and save thousands!
Advantage Refinance Loans
Refinance your student loans
and save thousands!
Roll all your student loans into one convenient loan, save on interest charges and get out of debt faster!
FIXED rates as low as 5.95% APR* and NO fees!
The Advantage Refinance Loan is one of the few loans that let you consolidate both private and federal education loans into one convenient loan. Some federal student loans have certain benefit protections that may be lost when refinancing. Take advantage of our autopay service for lower rates.
Benefits and Features
Our refinance loans have low FIXED rates starting at 5.95% APR* and NO fees! Even lower rates with our autopay discount!
Advantage Refinance Loans
Refinance your high-interest Parent PLUS Loan too!
Student borrowers may refinance/consolidate their education loans and any parent loans for which they are the benefiting student.
Parents may refinance/consolidate their own student loans and any parent loans they have.
Get Started on the Application
Or call 1-800-988-6333 to request an application.
* 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 Refinance Loans have no application, origination, default, late or NSF fees.
Advantage Refinance Loans are private loans. 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.
For new Advantage Refinance Loans, a cosigner release may be available after 12 months of on-time regularly scheduled principal and interest payments, or an equivalent lump sum payment. The cosigner release is dependent upon the loan’s disbursement date, borrowers’ current credit and other factors. The borrower needs to request the cosigner release. A credit review will then be performed to ensure the borrower meets certain credit and eligibility requirements.
Advantage Refinance Loans are considered new loans, which provide new benefits and features. As a state-based nonprofit lender, we always strive for what is best for our customers. Additionally, federal debt relief for qualifying loans may be lost when refinancing.
After carefully considering your options, please contact us at Advantageloans@kheslc.com with any questions or simply continue with your Advantage Refinance Loan application.
Interest rate effective date is 12/15/2023.