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Loan Payoff

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

To obtain your official payoff amount, sign in to your online account and click "Loan Payoff" under Payments & Billing. You may also call 1-800-233-0557 (toll-free U.S. and Canada).

How to Pay Off Your Loan Online

Step Action
Step 1: Sign in to your account and select "Loan Payoff" under Payments & Billing
Step 2: Select the loans you want to pay off and the payment date and click "Request a Payoff Amount"
Step 3: Enter payment information and select "Make a Payoff Payment"

How to Pay Off Your Loan by Mail

Step Action
Step 1: Obtain your official payoff amount online or by phone
Step 2: Include the following information on your check or money order:
  • Your official payoff amount
  • Your AES account number or Social Security number
    • If you are a co-signer or endorser, please include the borrower's AES account number
  • The loans that the payment applies to
Step 3: Mail your payment to the payoff address below:

AES-Paid in Full
P.O. Box 2251
Harrisburg, PA 17105-2251

Keep in Mind

  • We must receive your payment within 10 days of acquiring your official payoff amount.
  • Interest will continue to accrue daily until we receive a payment that satisfies the official payoff amount.
  • Because interest accrues daily, if your payment is received after 10 business days, it may not satisfy the outstanding principal balance and accrued interest. If your payment does not satisfy the outstanding principal balance and accrued interest, it will be returned to you. You will need to obtain a new payoff amount.
  • If you are currently on Direct Debit and your final payment is less than your regular monthly withdrawal amount, this payment will be adjusted to only debit the remaining amount due.
Step Action
Step 1: Obtain your official payoff amount by calling 1-800-233-0751 (toll-free U.S. and Canada)
Step 2: Include the following information on your check or money order:
  • Your official payoff amount
  • Your AES account number or Social Security number
    • If you are a co-signer or endorser, please include the borrower's AES account number
  • The loans that the payment applies to
Step 3: Mail your payment to the payoff address below:

PHEAA Default Collections
P.O. Box 8147
Harrisburg, PA 17105-8147

Keep in Mind

  • We must receive your payment within 10 days of acquiring your official payoff amount.
  • Interest will continue to accrue daily until we receive a payment that satisfies the official payoff amount.
  • Because interest accrues daily, if your payment is received after 10 business days, it may not satisfy the outstanding principal balance and accrued interest. If your payment does not satisfy the outstanding principal balance and accrued interest, it will be returned to you. You will need to obtain a new payoff amount.
  • If you are currently on Direct Debit and your final payment is less than your regular monthly withdrawal amount, this payment will be adjusted to only debit the remaining amount due.