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The Advantage Refinance Loan is a great way to roll all your student loans into one convenient loan, save on interest charges and get out of debt faster.
FIXED rates as low as 3.74% APR* with auto pay.
Your FIXED interest rate is based on credit history, income, type of loans being refinanced, repayment term selected, borrower's state of residence and other factors, plus there are NO FEES! Take advantage of our auto pay service for even lower rates.
The Advantage Refinance Loan is one of the few loans in the nation that allows you to consolidate both private and federal education loans into one convenient loan.
Applying with a creditworthy cosigner may help you qualify and/or receive a lower FIXED rate.
Any school-certified education loans.
Student borrowers may refinance/consolidate their education loans and any parent loans for which they are the benefitting student. Parents may refinance/consolidate their own student loans and any parent loans they have.
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 transaction and credit history and will be determined once a credit decision is made.
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 also vary based on credit history, income, type of loans being refinanced, repayment term selected, use of auto pay, borrower's state of residence and other factors. Advantage Refinance Loans are owned, managed and serviced by KHESLC, a state‐based non‐profit lender. We do not sell or subcontract our loans. Rates current as of 8/14/18.