American Education Services (AES): Information and Resources for Borrowers

american education services

If you’re going to take out loans to pay for college, you should familiarize yourself with American Education Services (or AES for short). As one of the largest providers of student loans in the country, AES services both federal and private loans to millions of students each year.

About American Education Services

American Education Services was initially founded by the Pennsylvania Higher Education Assistance Agency to help service loans through the (now defunct) Family Federal Education Loan Program (FFELP).

AES services a wide variety of newer federal loans, as well as a handful of private loan options to those who don’t qualify for federal aid or who may need a mix of both federal and private aid. AES heavily invests in educating student borrowers on both the loan application process and their repayment options post-graduation via their websites, You Can Deal with It, and

What American Education Services does

As a student loan servicer, AES functions like all others; they’ll handle the monthly billing of your loan payment and field any repayment or consolidation related questions and concerns you may have about your loans.

What makes AES different is that they work with students to come up with a comprehensive plan to pay for college by servicing both federal and private loans and keeping the billing and information in one easy-to-access location.

Many students need a mix of federal and private loans to cover 100 percent of their college-related costs, and those that do may find it easier to pay just one servicer instead of multiple ones each month.

Making AES student loan payments

American Education Services offers a variety of ways for borrowers to make student loan payments, including traditional options like paying via mail or telephone, and newer ones like paying online or via mobile phone.

Students with loans serviced by AES can go to their website and sign up for an online account for instant access to their loans and a library of resources.

Through the online portal, borrowers can arrange to make a monthly one-time payment, schedule up to eight payments (in advance) every sixty days, or take advantage of the direct debit program. Through the direct debit program, borrowers can automatically debit their payment (auto-pay) from a validated checking account and potentially qualify for an interest rate reduction for doing so!

AES student loan repayment options

Those having trouble making federal student loan payments can take advantage of the AES sister company, FedLoan Servicing to make a plan.

Although many borrowers find that working with AES directly by calling customer service is the best way to discuss deferment, there are a handful of other repayment options available.

Repayment programs available through American Education Services include:

  • Graduated payment plans, where borrowers pay smaller, interest-only payments for a set period of time
  • Income-sensitive payment plans, where the repayment amount is set based on net monthly income.

Borrowers with federal loans may also qualify for a variety of income-driven repayment and forgiveness programs.

Those with private loans serviced through AES may not have as many options available, but the website suggests calling customer service to discuss any issues in the event of payment difficult. No matter the situation, it is always in your best interest to have an open line of communication with your loan provider; never ignore a bill or a payment!

It is also worth noting here that AES also works with borrowers seeking to consolidate or refinance their loans into a lower interest rate. Although it may be easier to consolidate with your provider directly, borrowers are also encouraged to shop interest rates when considering refinancing as your loan provider may not offer the most competitive rate.

AES Contact Information

Office Hours: 7:30 AM – 9 PM (EST)

Phone: 1-800-233-0557


Mailing address for general correspondence:

American Education Services
P.O. Box 2461
Harrisburg, PA 17105-2461

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