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 an 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 so long as the funds are available.
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!
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 Agreement (PDF). Remember to keep a completed copy for your records.
Direct Debit not for you?
Check out other convenient ways to pay.
Need a paper form?
Download and complete the form (PDF). Mail completed form to:
American Education Services
P.O. Box 2057
Harrisburg, PA 17105-2057
Please retain a copy of the completed form for your records.