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Save some serious cash with Advantage Education Loans! Student and parent Loans - Fixed rates as low as 4.01% apr* with auto pay. Refinance Loans - Fixed rates as low as 3.74% apr with auto pay.


The KHEAA website will be unavailable on Saturday, May 19, 2018, from approximately 3:00am to 12:00pm EST for system upgrades. We are sorry for any inconvenience this may cause.

With Advantage Education Loans you can choose the loan that’s right for you!

Whether you are a student, parent or have already graduated, an Advantage Education Loan is the right choice.

Student and parent FIXED interest rates start as low as 4.01% APR* with auto pay. The highest rate is 6.85% APR.

Refinance FIXED interest rates start as low as 3.74% APR* with auto pay.


Returning Advantage borrowers:

We recently enhanced our online process to improve your user experience. As a result, some of the previous account functions have changed.

* Student/Parent loan 4.01% APR based on freshman with a $10,000 loan using auto pay, Immediate Full Repayment plan, excellent credit, 10-year repayment term. Refinance loan 3.74% APR based on a $10,000 loan with auto pay, excellent credit, 10-year repayment term.

We reserve the right to modify or discontinue loan features or benefits or to discontinue loan programs at any time without notice.