You may make one-time payments or schedule payments six months in advance by utilizing KHEPAY. You may also make special allocations to a single loan or group. Please note: KHEPAY and Electronic Funds Transfer (EFT) are not the same. Changes to your bank account or routing information in KHEPAY will not automatically update your EFT account.

Sign in with your Account Login and select the "Pay Now" link on the green horizontal navigation bar. If you have further questions about KHEPAY, please review our Frequently Asked Questions here.

You may make a payment by phone from your checking or savings account.

1-800-693-8220 8:00 a.m. to 5:30 p.m. Eastern Time

This lets you have payments transferred from your checking or savings account automatically each month. You must select a payment date of the 1st, 5th, 10th, 15th, or 20th. Please note: if the payment pull date falls on a weekend or holiday, the payment will process the evening of the next business day. The payment will be processed with an effective date of the due date. For example, if the payment pull date of the 15th falls on a Saturday, the payment will not pull until the evening of the 17th. When the payment is posted to the account, it will have an effective date of the 15th.