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

principal and interest after final disbursement

3.09% - 3.39%
4.28% - 5.23%
4.68% - 5.63%
Interest Only

interest only after final disbursement

3.69% - 4.19%
4.78% - 5.43%
5.48% - 5.88%
Deferred Repayment

postponed until out of school for six months

4.79% - 5.09%
5.58% - 6.03%
6.38% - 6.48%

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 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 and other factors. Advantage Education Loans are owned, managed, and serviced by KHESLC, a state-based, non-profit lender. We do not sell or subcontract our loans.

Advantage Loans are offered to students and their parents, as well as those who want to refinance their educational loans.