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Loan Payoff

Steps to Pay Your Loan in Full

  For Loans Not in Default For Loans in Default
Step 1. Call to get your official payoff amount. 1-800-233-0557 (toll-free U.S. and Canada) 1-800-233-0751 (toll-free U.S. and Canada)
Step 2. Include the necessary information on your check or money order.
  • Your official payoff amount
  • The account number or your Social Security number—If you are a co-signer or endorser, please include the borrower's account number (to prevent delays in processing).
  • The loan(s) that the payment applies to
  • Your official payoff amount
  • The account number or your Social Security number—If you are a co-signer or endorser, please include the borrower's account number (to prevent delays in processing).
  • The loan(s) that the payment applies to
Step 3. Mail your payment to the correct address. AES—Paid in Full
P.O. Box 2251
Harrisburg, PA 17105-2251
PHEAA Default Collections
P.O. Box 8147
Harrisburg, PA 17105-8147
Step 4. Find answers to your questions, if you have any. By phone:
1-800-233-0557

By email:
For undergraduate loans: aescs@aesSuccess.org

For graduate, professional, or alternative loans: aesgs@aesSuccess.org
By phone:
1-800-233-0751

By email: default@pheaa.org

Please note: Email is not a secure method of communication because it may be intercepted by third parties. Please do not include any sensitive or private information in your email correspondence to AES or PHEAA.

Important

  • We must receive your payment within 10 calendar days of the date you call for your official payoff amount.
  • If we receive your payment after 10 calendar days, it may not satisfy the outstanding principal and interest. We will return your payment, and you will need to call for a new payoff amount.
  • Daily interest will continue to accrue until we receive a payment that satisfies the official 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.