Go Green. Get Direct Debit.

The free and convenient way to make your student loan payments—on time, every month.

Benefits of Direct Debit

  • Direct Debit is the most convenient way to make your student loan payments - on time, every month.
  • Direct Debit is a free service. And you may qualify for a 0.25% interest rate reduction when your application is approved.
  • Set up an electronic deduction from your checking or savings account on the same date each month.
  • Since your loan payment happens automatically, it's never late.

Sign up for Direct Debit

If you're currently repaying loans and would like to use Direct Debit, sign in to Account Access and apply online today!

Sign Up Now

Direct Debit FAQ

Sample of the Direct Debit Enrollment in Account Access

Are your loans more than 270 days past due?

If you have defaulted loans being serviced by PHEAA and you'd like to sign up for Direct Debit, please complete, sign, and submit the Direct Debit Default Collections Electronic Funds Transfer Agreement (PDF).

Direct Debit not for you?

Check out other convenient ways to pay.

Account Access
Need a paper form?

Download and complete the form (PDF). Mail only the agreement form (page two of the document) to:

American Education Services
P.O. Box 2057
Harrisburg, PA 17105-2057