American Education Services (AES) Customer Service: Overview And How To Contact

American Education Services

If you have student loans, there’s a chance that American Education Services is your student loan servicer. American Education Services is a leading student loan servicer for millions of student loan service borrowers. American Education Services (AES) was established by the Pennsylvania Higher Education Assistance Agency (PHEAA) to service and manage both private student loans and federal loans through the Federal Family Education Loans Program (FFELP).

American Education Services – also known as AES – is one of the four main student loan servicers of federal student loans. The other three are Navient, Nelnet and Great Lakes (which is now owned by Navient but operates independently).

Here’s what you should know about American Education Services to maximize your customer service experience, if American Education Services is your student loan servicer. In this guide, we will discuss:

Compare The Best Student Loan Refinance Rates For 2020

Lender
APR
Minimum Credit
1.99% – 6.43%
650

Overview

KeyValue
Variable Rates:1.99% – 6.43%
Fixed Rates:3.19% – 6.43%
Minimum Credit Score:650
Minimum Income:None
Fees:None
Minimum Loan Amount:$5,000

Details

KeyValue
Eligible Loans:Private & Federal
Eligible Degrees:Undergraduate & Graduate
Loan Terms:5-20 years
Borrower Residency:All States except DE, KY, NV
Hardship Deferment:Yes
Co-signer Option:No
2.39% – 6.69%
680

Overview

KeyValue
Variable Rates:2.39% – 6.01%
Fixed Rates:3.30% – 6.69%
Minimum Credit Score:680
Minimum Income:$35,000
Fees:None
Minimum Loan Amount:$15,000

Details

KeyValue
Eligible Loans:Private & Federal
Eligible Degrees:Undergraduate & Graduate
Loan Terms:5, 7, 10, 15, 20 years
Borrower Residency:All States
Hardship Deferment:Yes
Co-signer Option:Yes

1.99% – 7.27%

660

Overview

KeyValue
Variable Rates:1.99% – 7.10%
Fixed Rates:2.88% – 7.27%
Minimum Credit Score:660
Minimum Income:None
Fees:None
Minimum Loan Amount:$5,000

Details

KeyValue
Eligible Loans:Private & Federal
Eligible Degrees:Undergraduate & Graduate
Loan Terms:5 – 20 years
Borrower Residency:All states
Hardship Deferment:Varies
Co-signer Option:Yes

2.99% – 6.44%
650

Overview

KeyValue
Variable Rates:2.99% – 6.44%
Fixed Rates:3.20% – 6.44%
Minimum Credit Score:650
Minimum Income:None
Fees:None
Minimum Loan Amount:$5,000 ($10,000 in CA)

Details

KeyValue
Eligible Loans:Private & Federal
Eligible Degrees:Undergraduate & Graduate
Loan Terms:5, 7, 10, 15, 20 years
Borrower Residency:All states
Hardship Deferment:Yes
Co-signer Option:Yes

1.99% – 7.02%
700

Overview

KeyValue
Variable Rates:1.99% – 6.65%
Fixed Rates:3.20% – 7.02%
Minimum Credit Score:700
Minimum Income:None
Fees:None
Minimum Loan Amount:$5,000

Details

KeyValue
Eligible Loans:Private & Federal
Eligible Degrees:Undergraduate & Graduate
Loan Terms:5, 7, 10, 15, 20 years
Borrower Residency:All States
Hardship Deferment:Yes
Co-signer Option:Yes

1.95% – 3.85%

660

Overview

KeyValue
Overall Rate:1.95% – 3.85%
Variable Rates:
Fixed Rates:1.95% – 3.85%
Minimum Credit Score:None
Minimum Income:None
Fees:None
Minimum Loan Amount:$25,000

Details

KeyValue
Eligible Loans:Private & Federal
Eligible Degrees:Undergraduate & Graduate
Loan Terms:5, 7, 10, 15 years
Borrower Residency:Must live near a branch in California; New York City; Boston; Greenwich, Connecticut; Palm Beach, Florida; Portland, Oregon; or Jackson, Wyoming
Hardship Deferment:No
Co-signer Option:Yes
2.61% – 7.75%
680

Overview

KeyValue
Variable Rates:2.61% – 5.25%
Fixed Rates:3.39% – 7.75%
Minimum Credit Score:680
Minimum Income:$24,000
Fees:None
Minimum Loan Amount:$5,000

Details

KeyValue
Eligible Loans:Private & Federal
Eligible Degrees:Undergraduate & Graduate
Loan Terms:5, 7, 10, 15, 20 years
Borrower Residency:All states, except ME, ND, NV, RI, WV
Hardship Deferment:Yes
Co-signer Option:Yes

Checking Your Rate Doesn’t Affect Your Credit Score
Disclosures: Earnest | Laurel Road | LendKey | SoFi | Splash

Is American Education Services my student loan servicer?

A student loan servicer such as American Education Services collects and manages your student loan payments. For federal student loans, the U.S. Department of Education assigns you a student loan servicer. That means that you cannot choose your student loan servicer, unless you choose to refinance your student loans. If you think AES may be your student loan servicer, or if you’re not sure who’s your student loan servicer, then you can verify your student loans with these simple options.

  • Log into the National Student Loan Data System (NSLDS)
    The NSLDS database includes all information about your student loans, including balances, history and student loan servicers. You can login with your Federal Student Aid (FSA) ID.
  • Check your report credit report
    Your credit report will also tell you whether American Education Services is your student loan servicer. You can order a free credit report for all major credit bureaus from AnnualCreditReport.com.
  • Contact American Education Services
    You can contact American Education Services directly to verify if AES if your student loan servicer. The phone number for American Education Service is 1-800-233-0557.

American Education Services student loan repayment options

American Education Services offers several student loan repayment options:

Standard Repayment Plan: A standard repayment plan lasts up to 10 years and the monthly installment payment remains the same throughout the repayment period.

Graduated Repayment Plan: A graduated repayment plan varies throughout the repayment period. A graduated repayment plan starts with smaller monthly payments and increases over time.For a limited time, the monthly payment is typically interest only and smaller than the standard repayment plan.

Income-Sensitive Repayment Plan: An income-sensitive repayment plan is based on monthly gross income and your amount of student loan debt. The monthly loan payment is based on a fixed percentage of gross monthly income, between 4% and 25%.

Income-Based Repayment (IBR): Income-Based Repayment (IBR) is an example in an income-driven repayment plan, which lowers your monthly payment based on your discretionary income. With an income-driven payment, your monthly payment may be as low as $0.

25-Year Extended Repayment Plan: The 25-Year Extended Repayment Planlowers your monthly payment and extends the repayment plan from 10 years to 25 years.To qualify, you must have a current loan balance of at least $30,000 and your student loans were disbursed after October 7, 1998.

Student loan borrowers with federal student loans also have access to income-driven repayment plans, student loan forgiveness, forbearance and deferment.

American Education Services also helps you manage your private student loans, which AES calls “alternative loans.” While federal student loans have more repayment options, AES asks borrowers to contact them to discuss any difficulty with student loan repayment. You can also refinance your private student loans to get a lower interest rate. When you refinance student loans, you can save thousands of dollars and pay off your student loans faster. You’ll need a good to strong credit score, recurring income and low debt-to-income ratio. You can compare the latest student loan refinancing rates and find the best lender for you.

How to make student loan payments to American Education Services

AES offers several ways to pay off student loans. You can sign up for auto pay and have your monthly student loan payments directly debited from your bank account. When you sign up for auto pay, you may receive a reduction in your student loan interest rate. You can also pay online on the American Education Services website. You can use your American Education Services student loans login. When you register on the American Education Services website, you will create an ID and password. To make a payment, you can sign in, click “Make a Payment,” enter your payment information and click “Make a Payment.”

Other options to pay student loans include through the American Education Services mobile app and by phone, mail and bill pay.

Through the AES website, you can also schedule up to eight payments in advance every 60 days.

How to contact American Education Services customer service

There are various ways to contact American Education Services customer service:

American Education Services Phone Number: 1-800-233-0557

American Education Services Hours of Operation: Monday – Friday from 7:30 a.m. to 9 p.m. Eastern

American Education Services Websites:

PHEAA — www.pheaa.org
FedLoan Servicing — MyFedLoan.org
You Can Deal With It — www.YouCanDealWithIt.com
EducationPlanner — www.EducationPlanner.org
American Education Services Email: Log in to your American Education Services account to send a secure email.

American Education Services Fax Number: 1-717-720-3916

American Education Services Website: aessuccess.com
American Education Services Customer Login: login.aessuccess.org/authentication/

American Education Services Mailing Address For Loan Payments:

American Education Services (AES)

PO Box 65093

Baltimore, MD 21264-5093

American Education Services Mailing Address ForTo Pay Off Loans In Full:

AES – Paid in Full

P.O. Box 2251

Harrisburg, PA 17105-2251

American Education Services Mailing Address For General Correspondence:

American Education Services

P.O. Box 2461

Harrisburg, PA 17105-2461

How to file a complaint against American Education Services

If you want to complain about American Education Services customer service or file a complaint against American Education Services as your student loan servicer, you have several options. First, you can file a complaint with American Education Services’s Office of Consumer Advocacy. You can contact the Office of the Consumer Advocate by calling 1-800-213-9827 Monday through Friday from 8 a.m.- 5 p.m. Eastern or through this mailing address:

Pennsylvania Higher Education Assistance Agency
The Office of Consumer Advocacy
1200 North 7th Street
Harrisburg, PA 17102

You can also file a complaint against American Education Services with:

You should maintain written communication between you and American Education Services. This may include your monthly statements, records of communication with anAmerican Education Servicescustomer service representative, emails and other correspondence.

You may also contact the U.S. Department of Education Ombudsman:

Phone: 1- 877-557-2575

Mailing Address:

U.S. Department of Education
Federal Student Aid Ombudsman Group
P.O. Box 1843
Monticello, KY 42633
The Federal Student Aid (FSA) Ombudsman Information Checklist is helpful to complete before contacting the Federal Student Aid Ombudsman.

Let's Make Lemonade

Get the latest personal finance advice delivered directly to your inbox.