800-693-8220

ARC Servicing — A division of Asset Resolution Corporation

*NMLS ID 1130708 — NMLS Consumer Access

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Advantage Loans

We're a not-for-profit, so you get education loans with Low Rates and No Fees!

Students and Parents

4.15% - 10.94%

Refinance

5.95% - 10.69%

Even lower rates with our autopay discount!

Income Driven Repayment Program Changes

Privacy Policy

ARC Servicing, on behalf of KHESLC, is strongly committed to protecting the privacy of your personal information from disclosure to unauthorized parties. We have implemented numerous security measures to protect users' personal information, including the use of Secure Socket Layer (SSL) technology to ensure ARC Servicing receives the information sent by the user. ARC Servicing does not sell or share your information with non-affiliated third parties.

If you would like more information about how we protect your privacy you can read our privacy policy, or you can view a PDF version if you would like to print a copy of it.

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Advantage Education Loans

Kentucky Advantage Education Loans

Terms and Conditions

State Licensing and Business Registration Certificates

ARC PO Box 24328 Louisville, KY 40224-0328

© 2024 Asset Resolution Corporation. All Rights Reserved.

Advantage Education Loans

* 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 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, state of residency, location of school, and other factors. Advantage Education Loans are owned and managed by KHESLC, a state-based, non-profit lender. We do not sell our loans.

Advantage Refinance Loans are considered new loans which provide new benefits and features. Some federal student loans have certain benefit protections that may be lost when refinancing.

Student and parent loans: Interest rate effective date is 10/01/2024.

Refinance loans: Interest rate effective date is 07/15/2024.