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Kentucky Higher Education Student Loan Company


10180 Linn Station Rd Ste C200
Louisville, KY 40223

Contact Them:

Phone: (502) 329-7274
Fax: (502) 329-7260

Fact: Pursuant to the Fair Debt Collection Practices Act, it is unlawful for a collection agency to use profane language with you.

Many Americans like you are being contacted by collection agencies who are trying to get payments on defaulted accounts they have acquired or been assigned. Even though you may owe a debt, you still have rights.

You should dispute the debt in writing if you feel as if the dollar amount the collection agency is requesting is inaccurate, if you feel the debt is not owed or if you feel the debt is fraudulent. You can send a letter to the collection agency within thirty days of first being notified of the collection. You should send this letter via certified mail so that you can prove that they received it. In response to your dispute, the collection agency must cease collection activity until they send you some sort of validation of the alleged debt. They can resume their collection efforts again once they produce proof of your debt.

The Fair Debt Collection Practices Act (“FDCPA”) regulates what debt collection agencies may and may not do. There are many things collection agencies cannot do or say when contacting you. Collection agencies may not:

  • use abusive or obscene language;
  • call before 8am or after 9pm;
  • call you repeatedly;
  • call you at work, if they know that your employer does not permit personal calls;
  • contact any third party and state that you owe a debt;
  • threaten to have you arrested or imprisoned.

    If any of these things occur, your best option is to consult with a consumer protection attorney.


    1. Jason Boyd on September 30, 2014 at 11:33 am

      I am getting constantly harassed by this group to the point I am afraid to hear my phone ring. I have tried pleading with them, working with them, asking them not to call while I am at work and was told by one rep that “We are the government and do whatever we want.” I have logs of where they call me 6+ times a day for 5 days a week. They make insane required payment suggestions and refuse to understand that I barely make enough to keep my head above water. I just want them to be reasonable and leave me alone and let me pay what I can when I can.

    2. Leigh A. on July 18, 2015 at 8:03 pm

      Kentucky Higher Education Student Loan Company has me paying ahead, I think. Kentucky Higher Education Student Loan Company wants me to indicate what account my payments should be applied to by e-mailing them – and they still apply it to the wrong loans. Very confusing. I don’t even know that I owe what all Kentucky Higher Education Student Loan Company claims I owe.

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    Vullings Law Group, LLC d/b/a VullingsLaw is not responsible for the content of the consumer comments provided here.  Vullings Law neither supports nor provides any opinion as to the statements made herein.