Frequently Asked Questions

To explore options that fit your situation sign in to Account Access. Some options include:

• Changing your payment plan
• Postponing payments with a deferment or forbearance
• Changing your payment due date

To find out if there is a deferment or forbearance option that fits your situation, you may take our Eligibility Quiz while logged into Account Access.

The quiz provides the deferment and forbearance options for which you may be eligible based on your circumstances.

If your previous servicer approved your deferment or forbearance before your loan was transferred, you do not need to re-apply.

If you did not receive confirmation from your previous servicer regarding the outcome of your request, please contact us to determine if additional action is necessary to complete the application process.

Sign in to your on line account, to view your bill and get your payment amount. You can make a payment online while in Account Access, or you can mail a check or money order to:

American Education Services
P.O. Box 65093
Baltimore, MD 21264-5093

Please contact your Loan Servicer if you have questions about your federal or private student loan bills. (The name of your servicing center appears on your bill.)

You don't have to pay for assistance with your federal student loans your servicer provides assistance for free!

There are companies misrepresenting the facts about themselves to get your business and your money. Be aware of the warning signs that a company may not have your best interest in mind. Be cautious of companies that:

• Provide a disclaimer that they are a "private company not affiliated with the U.S. Department of Education (the Department) or the Federal Government".
• Claim to be associated with the Department or AES, but do not have your loan details readily available in their system.
• Request a fee before they will assist you with your loans and ask you to provide them your credit card information or debit card information.
• Use taglines such as "New Laws Forgiving Federal Student Loans" and "Get Rid of Student Loan Debt!" and urge you to act quickly because the loan forgiveness program is ending soon and you will forfeit your rights to the benefits.
• Ask you to sign over power of attorney or other third-party authorization so they can make changes to your account.
• Request you do not contact your servicer while they are working on your behalf.
• Promise to cancel your student loan debt, lower your monthly payment immediately, or provide instant relief from wage garnishment or default.
• Ask you to send your student loan payments to them instead of your loan servicer.
• Ask you to provide your logon credentials (user ID and password) to access your account online.