Repayment Calculator


Looking for an easy way to determine what your monthly payment and total interest paid will be on the loan amount you think you need to borrow?

Enter the loan amount, the interest rate, credit, repayment plan, and the number of months of schools left. The calculator will give you the monthly payment amount.

Enter your Current Loan

The Loan Amount field must be filled with at least 1000 to compute.

How's your Credit?


Repayment Plan

All Advantage Education Loans and Advantage Parent Loans use a repayment period of 10 years

Months left in school must be between 6 months and 78 months.

Current Loan Representation

New Monthly Payment

$ -

Total Interest Paid

$ -

Total Paid

$ -

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

Advantage Education Loan — Student 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%

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.