American Education Services

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SOME OF YOUR LOANS MAY QUALIFY FOR PUBLIC SERVICE LOAN FORGIVENESS

IMPORTANT UPDATE: On October 6, 2021, the Department of Education announced certain improvements to the Public Service Loan Forgiveness (PSLF) program, which include waivers of certain program requirements that will be available temporarily through October 31, 2022. For more information on this limited PSLF waiver, including any actions you may need to take, visit StudentAid.gov/pslfwaiver.

Get answers to common questions about the limited PSLF waiver.

IDR PROGRAM CHANGES
On April 19, 2022, the U.S. Department of Education (ED) announced several changes and updates related to Income-Driven Repayment (IDR) plans to include adjustments to borrower accounts, several one-time loan forgiveness actions, and new policies. AES services commercially held Federal Family Education Loan (FFEL), if you wish to benefit from the recent changes you will need to consolidate your loans into a Direct Consolidation loan before ED completes the implementation of the changes, which is estimated to be no sooner than January 1, 2023. For more information, please visit StudentAid.gov.

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COVID-19 Student Loan Relief

Get details about possible options available for student loan borrowers.

Repaying Your Loans

Convenient, flexible options make it easy to pay back your student loan.

Trouble Paying

If you can't afford your student loan payments, don't wait until you fall behind to seek assistance. We offer options that can help.

Your Account

We make it simple for you to understand and manage your account, so you'll have more time to focus on the other priorities in your life.

Good to Know

Paying more each month? Target these payments however you want!
Explore repayment plan options that could lower your monthly payments!
Learn why you shouldn't pay for assistance with your loans.

Loan Default

Get all the information you need to get your account out of default and back on track!

See All Default FAQs

Beware of Scams

Protect yourself from "Debt Relief" Organizations.

Loan Payoff

Find out how to make that final payment and put your student loans behind you.

Servicemembers

Find out what special benefits are available for you.