A message regarding the CARES Act

Non-defaulted FFELP Loans

KHEAA Visitors

KHEAA is here to help make sense of the changes caused by COVID-19. Our commitment to you remains strong, but our delivery methods have been altered.

KHEAA remains committed to helping you with your educational questions. Following guidelines from Governor Andy Beshear and the Centers for Disease Control, we are adapting the way we do our day-to-day business to protect the health and safety of students, families, partners and staff.


Outreach counselors are no longer doing in-person presentations or visits. However, during school closings, please contact your regional outreach counselor for assistance.

  • Please visit to find outreach counselors’ contact information. This is for students, parents, school counselors or anyone else who needs guidance.
  • Counselors are conducting online presentations if a teacher or others who are still working with students or clients have a need. Please contact our staff for specifics and/or to schedule a presentation. The presentation guide is online. Presentations can be customized to fit your needs.

Follow KHEAA’s Facebook and Twitter accounts and the KHEAA Outreach Instagram account to engage with staff. Through April and May, all Facebook Live videos will be Tuesdays, all Twitter Chats will be Wednesdays and all Instagram Live videos will be Thursdays. All events start at 2 p.m. Central/3 p.m. Eastern. Please visit for more information.

Call center hours for KHEAA Verify have been shortened to 8 a.m. to 4:30 p.m. Eastern.

Cohort Default Management Services call center hours have been shortened to 8 a.m. to 4:30 p.m. Eastern.

Student loans:

KHEAA is offering three-month, interest-free deferments on Teacher Scholarships, Osteopathic Medicine Scholarships, Kentucky Coal County Scholarships for Pharmacy Students and Minority Educator Recruitment and Retention Scholarships if borrowers have been affected by COVID-19. KHEAA’s Student Aid Division has reached out to those borrowers. For more information, call 877-660-0001 or email

Congress did not include federal student loans made before 2010 or private student loans in the coronavirus relief act passed in March. All loans held by KHEAA’s sister agency, KHESLC, fall into those two categories. KHEAA and KHESLC are working with Kentucky’s congressional delegation to have those loans included in national relief legislation.

KHESLC will offer disaster forbearances that let borrowers facing financial hardship suspend their interest and principal payments for up to 90 days. If you’re experiencing hardship because of COVID-19, please call us at 800-693-8220 or log in to your account to email a servicing specialist requesting the disaster forbearance.

KHESLC has also taken other steps to ease the financial burden on borrowers during this crisis. For more information, visit


  • We continue to serve our community, students, families and school partners to the utmost of our ability.
  • Our customer service specialists remain in place to assist you. Please call 800-928-8926 if you have questions.
  • Grant and scholarship programs are being processed as normal. New applications for assistance are being processed and the deadlines are listed on the program information pages at
  • KHEAA Verify services continue.
  • Cohort Default Management Services continue.
  • KHEAA’s loan origination and disbursement services continue.

KHEAA stands ready to help if you have been impacted by COVID-19.