800-693-8220

Payments can be made at 10180 Linn Station Rd during the business hours of 9am ET to 3pm ET Monday through Friday except for holidays, and online 24 hours, 7 days.

ARC Servicing — A division of Asset Resolution Corporation

*NMLS ID 1130708 — NMLS Consumer Access

Scheduled Maintenance

KHEPAY online payments will no longer be available after 3:00 pm on Wednesday, March 25, 2026. Online payments will resume on Monday, April 6, 2026.
The automated phone system, Loan Servicing representatives and ARCServicing.com will be unavailable starting on Tuesday, March 31, 2026 at 5:00 pm ET. They will be available again no later than Monday, April 6, 2026.
Payments due from Tuesday, March 31, 2026 through Sunday, April 5, 2026, will not be considered late, if paid by Monday, April 6, 2026.

COMING SOON!

To serve you better, ARC Servicing will begin upgrading our website on March 31, 2026 at which time it will be unavailable. Look for the new ARCServicing.com on April 6, 2026. Watch for upcoming details.

Advantage Loans

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

Students and Parents

3.18% - 11.49%

Refinance

5.15% - 10.69%

Even lower rates with our autopay discount!

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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

© 2026 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 12/01/2025.

Refinance loans: Interest rate effective date is 06/01/2025.