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

Our offices will be closed Thursday and Friday, January 1-2, 2026, in observance of New Years. Payments made after Read more3 p.m., Wednesday, December 31, 2025, will be processed when our offices resume business on Monday, January 5, 2026, and will reflect on your account on Tuesday, January 6, 2026.

A man at a desk with a computer behind him. Text on the computer reads "We're here to help."

COMING SOON!

To serve you better, ARC Servicing will be upgrading our website on April 1, 2026.

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!

A dollar sign icon for Make a Payment option

A graduate cap icon for Get a Loan option

A chart icon for Account Summary option

A Computer screen icon for Electronic Communications option

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.