Student loans are complex, particularly when they are serviced by multiple different parties. One of the leading names you might see is American Education Services (AES). AES is an important tool for borrowers to easily manage their student loans via different repayment features, customer service resources and online account information.
What is American Education Services?
American Education Services (AES) was established in 1963 as a loan servicing organization. It is administered by Pennsylvania Higher Education Assistance Agency (PHEAA) and services federal student loans and private student loans as well as loans on behalf of several third-party lenders and government agencies.
AES doesn’t make loans itself, but it can help borrowers keep track of payments, check their balances and access account info online or through customer service.
Different Types of Student Loans That AES Services
AES services all types of student loans including:
- Loans from the Federal Family Education Loan Program (FFELP)
- Banks or credit unions that make private student loans
- State-based loans
- Consolidated loans
NOTE: AES does not handle current Direct Loans through the U.S. Department of Education federal program.
Is AES a Government Agency?
No, AES is NOT a government agency, but AES works under PHEAA, a state- affiliated agency. It is a non-profit loan servicer that works with federal and private lenders to help borrowers manage the repayment process.
Is American Education Services a Federal Student Loan?
AES does not originate federal student loans; however, the company does service some federal loans, including older FFELP loans. These loans were originally backed by the federal government but were made by private lenders. Most new federal loans are then serviced by companies like Nelnet, MOHELA or Aidvantage.
Is American Education Services a Good Servicer?
AES is a mixed bag of reviews when it comes to loan servicers — many borrowers like it, and others don’t. Some borrowers like the convenience of online access, but others have complained about customer service or repayment options. However, AES offers:
- Auto debit and flexible payment options
- Online account management
- Deferment, forbearance, and income based repayment options for when you're unable to pay for a period of time on an eligible loan
What Kind of Student Loans Does American Education Services Service?
AES services the following:
- FFELP loans
- Private student loans issued by banks and state agencies
- Consolidated loans
- Refinanced loans by participating lenders
They do not service Federal Direct Loans (originated after 2010).
What Services Does American Education Services Offer?
AES can assist with:
- Loan repayment plans
- Auto-pay enrollment
- Loan deferment or forbearance
- Loan consolidation options
- Interest and balance tracking
- Providing tax documents (like 1098-E)
- Account-related issues customer support
How Can I Tell If My Loan Servicer Is American Education Services?
To determine whether AES is your loan servicer:
- Visit https://studentaid.gov
- Log in using your FSA ID
- check “Loan Servicer” section
- If you see AES is listed, then you can create an online account at https://www.aessuccess.org to manage your loan.
How To Register American Education Services
Here’s what that process looks like on the AES website:
- Visit https://www.aessuccess.org
- Click “Sign In” and then “Create an Account”
- Enter your: Social Security Number (SSN), Date of birth
- Account number, or balance (optional)
- Choose a User Name and Password
- Select and answer security questions
- Check mark that you agree to the terms and click Submit.
You can now access your account to manage your loans online.
How To Access To American Education Services
To Sign In to your AES Account:
- Go to https://www.aessuccess.org
- Click on “Sign In”
- Please Login with your Username and Password
- Access your dashboard to: View loan balances, Make payments. Update contact information, download tax forms
How to Repay AES Loans
Here's how you can send a payment:
- Login to your account on aessuccess.org
- Navigate to “Make a Payment”
- Choose payment option: bank account, auto-debit or one-time payment
- Submit your payment
Apply for deferment or forbearance If you’re having trouble making payments on your federal loan, you can apply for deferment or forbearance, an interruption in which your payments are suspended and can offer temporary relief.
How To Contact American Education Services
If you need help, here’s how you can reach AES:
Customer Service Phone: 1-800-233-0557 (Mon–Fri, 8 AM–9 PM ET)
Mailing Address:
American Education Services (AES)
P.O. Box 65093
Baltimore, MD 21264-5093
Website: https://www.aessuccess.org
Secure Messaging: Available through your online account
About American Education Services
American Education Services (AES) is one of the oldest and largest not-for-profit servicers of student loans in the United States.
AES was founded in order to offer high quality student loan servicing and repayment assistance to students and their families. Backed by PHEAA, AES is a nationally recognized trusted loan servicer helping millions of borrowers with repayment plans, deferments, forbearance, and account management tools.
Conclusion
If you have student loans that are serviced by AES, then you have variety of options that offers you conveniences to make repayment easy for you, help you through different loan assistances, and keep you on top with your financing for your education. If you want to pay off debt, make payments more manageable or streamline the repayment process, American Education Services has the resources you need to successfully manage your loan.
