AOAAdvantage Student Loans
AOAAdvantage now offers AOA members a variety of student loans. As always, our benefits are tailored for AOA members and are designed to save you money. Plus, we offer fantastic customer service for the life of your loan(s).
Consolidation
Loans -
Combine your existing loans into one easy payment.
Stafford Loans -
Available for undergraduate and graduate students.
Graduate PLUS Loans -
Specifically for graduate/professional students.
FFELP consolidation loans made through the AOAAdvantage Program will be sold immediately to Montana Higher Education Student Assistance Corporation (MHESAC), a nonprofit corporation dedicated to assuring access to student loans and lowering the cost of financing postsecondary education. All benefit options for loans made through AOAAdvantage are retained when loans are purchased by MHESAC.
AOAAdvantage and MHESAC consolidation loans are serviced by Student Assistance Foundation, a nonprofit organization dedicated to assisting students with financing their education. Student Assistance Foundation pledges exceptional servicing of your consolidation loan.
Why Choose Us
- An AOA member benefit

- Low, fixed interest rates
- Flexible repayment plans
- Fully automated, online account access
- Superior customer services from a nonprofit lender