Contact Us
Advantage Loan Programs
Advantage Education Loan, Advantage Parent Loan & Advantage Refinance Loan
General Information and Applying
800-988-6333
Advantage Loans in repayment (non-defaulted)
800-693-8220
Advantage Education Loans in default
888-599-3535
Payment Address - for payments only, not for correspondence
ARC Servicing
PO Box 9001774
Louisville, KY 40290-1774
Correspondence Address - for loans in repayment
ARC Servicing
PO Box 24328
Louisville, KY 40224-0328
Loan Servicing (non-defaulted loans)
Loan servicing can be reached Monday - Friday
800-693-8220
Payment Address - for payments only, not for correspondence
PO Box 9001774
Louisville, KY 40290-1774
Correspondence Address
ARC Servicing
PO Box 24328
Louisville, KY 40224-0328
Fax Number
502-329-7077
Feedback/Compliments
Debt Recovery
Debt recovery is open Monday - Thursday 9:00am - 5:30pm, Friday 8:00am - 4:30pm Eastern Time.
Federal loans in default
800-928-4241
Advantage Education Loans in default
888-599-3535
Accounts in collection formerly owned by Georgia Student Finance Authority (GSFA)
888-599-3535
Payment address for defaulted federal loans
KHEAA
PO Box 4190
Frankfort, KY 40604-4190
Payment address for defaulted Advantage loans and loans in collection formerly owned by GSFA
PO Box 9001774
Louisville, KY 40290-1774
Correspondence Address
PO Box 24328
Louisville, KY 40224-0328
Fax Number
502-329-7260
Technical Support
877-214-6119
Open Records
Pursuant to Kentucky’s Open Records Act, Kentucky Revised Statutes 61.870, et. seq., records maintained by public agencies are subject to review by members of the public. While there are exceptions to this general rule, most public records can be inspected upon submission in writing of a request to inspect and/or copy records. As a municipal corporation, ARC Servicing is subject to this Act. Therefore, anyone desiring to review records maintained by ARC may submit a written request to Legal Services Division by mail or facsimile to the address or fax number below. The request should describe with specificity the documents being requested. Finally, please note that, per KRS 61.874(1) and (3), ARC charges a nominal fee (currently $0.10 per page) if photocopies of records are requested.
Open Records Request
ARC Open Records Request
10180 Linn Station Road, Suite C 200
Louisville, KY 40223
Fax Number
502-329-7080
Corporate Holidays
ARC Servicing will be closed on the following days:
January 20, 2025
Martin Luther King, Jr.’s Birthday
April 18,2025 - Closed at 11:45 a.m.
Good Friday
May 26, 2025
Memorial Day
June 19, 2025
Juneteenth
July 4, 2025
Independence Day
September 1, 2025
Labor Day
November 11, 2024
Veterans Day
November 27-28, 2025
Thanksgiving
December 25-26, 2025
Christmas
January 1-2, 2026
New Year’s