Start out on the right financial foot by selecting a repayment plan that works for you.
We offer several repayment options so you can afford your monthly student loan payments and make them on time.
These repayment plans may be available to you on your federal loans.
ALERT: If you log in to StudentLoans.gov to apply for or recertify your IBR plan, please be aware that the IRS Data Retrieval Tool is unavailable. The good news is you can still apply for IBR!
Log in to StudentLoans.gov and complete your Income-Driven Repayment (IDR) application. We will receive this application and place it into a pending status until you return the necessary income documentation to American Education Services (AES).
Within 30 days of completing your application, please provide AES a copy of your tax return or IRS tax transcript. If you/your spouse's income has changed or you have not filed taxes in the last 2 years, alternative documentation of income such as pay stub(s) or a letter from your employer(s) that provides your gross pay should be provided.
Mail your proof of income to: AES, PO Box 2461, Harrisburg, PA 17105-2461
Learn more at Student Aid on the Web.
If you would like to explore a different repayment plan for your federal loans, or if your account is 60 or more days delinquent and you need to make immediate payment arrangements, please contact us. Our customer service representatives will be happy to assist you.
Alternative (Private) Loans
If you would like to explore a different repayment plan for your alternative (private) loans, contact us to discuss the options available to you.