Payment Methods

Authorize a one-time electronic payment to your account using your American banking institution's routing and account numbers.

• Available 24/7
  Sign in to Account Access, day or night, to make a payment online.
• Manageable
  Control the date the transaction occurs - up to 60 days in the future - when you know the funds will be available.
• Convenient
  Decide whether to divide your payment among all loans in your account or specify amounts for individual loans.
• Flexible
  Use a different savings or checking account each time you use the service.

Remember - this is a one-time payment; using it does not authorize an electronic payment every month. To find out about automatic monthly payments, see Direct Debit.

Need more information?
Visit the Online Payments FAQ.

Mail your check or money order to our payment servicing center:

American Education Services
Harrisburg, PA 17130-0001

• Be sure to include your account number on your check. If you are a co-signer or endorser, please include the borrower's account number.
• To ensure we can process your check as efficiently as possible, please review our helpful hints for check payments.

Check Processing Info:

Starting in February 2009, AES will be electronically processing all paper checks.

When you write a check, it can be converted to an electronic payment. Information is captured from your check, and a one-time electronic payment is deducted from your account.

To learn more about check conversion, please visit electronicpayments.org.

Authorize a one-time electronic payment to your account using your American banking institution's routing and account numbers.

• Available 24/7
  Call day or night, to make a payment using our self-service phone feature.
• Easy
  Use either touch-tone service or voice response technology to make a payment.
• Manageable
  Control the date the transaction occurs - up to 60 days in the future - when you know the funds will be available.
• Flexible
  Use a different savings or checking account each time you use the service.

Keep in mind

• The payment is divided automatically among all loans on your account. If you wish to target the payment between individual loans, please sign in to Account Access to use our Online Payments option.