What Is American Education Services (AES)?

Your Guide to Managing AES Student Loans

Student with head in his hand in front of a laptop frowns a a piggy bank as he worries about paying for school

Alys Tomlinson / Getty Images

American Education Services (AES) is a student loan servicer to millions of borrowers in the U.S. If you’re among those with AES student loans, you might have questions about what AES actually is, and how this company can actually help you manage your student debt. Here’s everything that borrowers with AES student loans should know.

What Is American Education Services (AES)?

American Education Services is a student loan servicer—a company that manages student loan accounts through repayment. It’s also one of just a handful of loan servicers that contract with the Department of Education to manage student loans issued through federal programs.

AES is owned by the student aid organization Pennsylvania Higher Education Assistance Agency, also called PHEAA. PHEAA is a major provider of student loan services at the national level. This includes a large federal student loan portfolio. As of March 2019, PHEAA services $355.5 billion federal student loans held by more than 8 million borrowers, according to the office of Federal Student Aid.

PHEAA provides student loan services at a national level through AES and FedLoan Servicing. While AES and FedLoan are sister companies, they are different student loan servicers that operate separately:

  • AES manages PHEAA’s portfolio of private student loans and federal student loans through the now-discontinued Federal Family Education Loan (FFEL) Program.
  • FedLoan Servicing services student loans that are federally-owned, including Direct Student Loans.

About AES Student Loans

AES student loans are the educational debt accounts managed by this loan servicing company. These debts may be either private student loans or federal student loans borrowed through the FFEL Program.

FFEL loans are the only federal student loans managed by AES. Other types of federal student loans allocated to PHEAA are assigned FedLoan Servicing only, not AES.

The FFEL Program ended in 2010, however, and FFEL loans have not been offered for more than 9 years. Even so, many borrowers are still repaying these types of loans, including many which are serviced by AES. AES also manages private student loans, so some borrowers will have AES servicing loans they took out with a private lender.

How to Get Info About Your AES Student Loans

If it’s been years since you took out your student loans or you’re not sure if AES is, in fact, your servicer, it’s easy to check that. Here are a few ways to verify your AES student loans and get more information about these accounts.

  • Log into the National Student Loan Data System (NSLDS)—This is the database that records all student aid you receive, including federal student loans. You can log in with your FSA ID to view your student loan balances and history, including the servicers assigned to each account.
  • Check your credit reports—AES reports loan information to credit reporting agencies, so if you have an AES student loan you should see it listed as such on your reports. You can request a free credit report from all major credit bureaus at AnnualCreditReport.com.

In addition to verifying AES student loans independently, you can also reach out to AES for information about these accounts.

How AES Can Help Borrowers

With AES as your servicer, it will be your go-to for any actions or assistance you may need with these accounts. Here are some of the specific ways AES helps borrowers manage their student loans.

Billing and Processing Payments

AES accepts student loan payments through direct debit, online transfers, and checks. Before making extra payments, be sure to set instructions in your AES account for how to target payments. This tells AES which student loan you want the additional funds to pay down first.

Help Struggling Borrowers

AES can help borrowers who are finding it hard to keep up with student loan payments. Some options include changing a due date or learning about options to lower or pause payments.

Access Federal Student Loan Benefits

According to its site, AES can help you find, apply for, and use protections and programs offered to federal student loan borrowers:

  • Lower or adjust payments with federal repayment plans such as Graduated and Income-Based Repayment
  • Postpone payments with deferment or forbearance
  • Learn about programs to forgive, cancel, or discharge federal student loans
  • Federal student loan consolidation
  • Rehabilitate federal student loans in default

Contacting AES Student Loans

One of the easiest ways to manage AES student loans is through its online account access at AESSuccess.org. There, you can create a customer account or sign in to view your student loan balance, make payments, or otherwise manage this debt. 

AES also has mobile apps for iOS and Android devices, so you can even view loans or manage payments on the go.

AES has additional mailing addresses listed on its site for specific actions such as sending payments or credit information disputes. 

Here are other ways to contact AES customer service directly:

  • AES email: Log into your online AES account to email the customer service team
  • AES phone number: Call 1-800-233-0557 during business hours: Monday–Friday, 7:30 AM–9:00 PM EST
  • AES Fax: Send documents to fax number 717-720-3916
  • AES mailing address for correspondence: American Education Services, P.O. Box 2461, Harrisburg, PA, 17105

Article Sources

  1. American Education Services. "About AES," Accessed Sept. 24, 2019.

  2. Pennsylvania Higher Education Assistance Agency. "About PHEAA," Accessed Sept. 24, 2019.

  3. Federal Student Aid. "Federal Student Loan Portfolio," Download "Servicer Portfolio by Loan Status" for March 2019. Accessed Sept. 24, 2019.

  4. Federal Student Aid. "FFEL Program Lender and Guaranty Agency Reports," Accessed Sept. 24, 2019.

  5. American Education Services. "Credit Reporting FAQ," Accessed Sept. 24, 2019.

  6. American Education Services. "Repaying Your Loan," Accessed Sept. 24, 2019.

  7. American Education Services. "Targeting and Processing Payments," Accessed Sept. 24, 2019.

  8. American Education Services. "Trouble Making Payments," Accessed Sept. 24, 2019.

  9. American Education Services. "Reducing Your Payments," Accessed Sept. 24, 2019.

  10. American Education Services. "Postpone Payments With a Deferment or Forbearance," Accessed Sept. 24, 2019.

  11. American Education Services. "Loan Forgiveness and Discharge," Accessed Sept. 24, 2019.

  12. American Education Services. "Federal Loan Consolidation," Accessed Sept. 24, 2019.

  13. American Education Services. "Loan Default," Accessed Sept. 24, 2019.

  14. American Education Services. "Mobile Application," Accessed Sept. 24, 2019.