Ways to Pay

Convenient, flexible options like Direct Debit and online payments make managing your student loan account easy. Choose what works for you.

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

Other Ways to Pay

By Smart Phone

Too busy to get to a computer? See a brief summary of your account (balance, amount due, due date) and make a payment using your smart phone.

Why pay by smart phone?

  • At your fingertips 24/7—Visit aesSuccess.org from your smart phone—anytime, day or night—and sign in to make a payment.
  • Same-day payment—Any payment you make using your smart phone is submitted the same day (or in the case of a weekend or holiday, on the next available business day).
  • Flexible—Pay using any of your bank accounts. If you save your account information, you won't have to enter all of those numbers over and over every month.
  • Easy to use—Can't find what you're looking for on our mobile site? You can still access our full website from your smart phone.

Important
Your smart phone payment is divided automatically among all loans on your account. If you wish to target specific payment amounts to each loan, make an online payment instead. You must visit our full website to make an online payment.

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Online

Authorize a one-time electronic payment to your account using your American banking institution's routing and account numbers.

Why pay online?

  • Available 24/7—Sign in to Account Access, day or night, to make a payment online.
  • Manageable—Control the date the transaction occurs—up to 60 days in the future—when you know the funds will be available.
  • Convenient—Divide your payment among all your loans or specify amounts for individual loans.
  • Flexible—Pay using any of your bank accounts. If you save your account information, you won't have to enter all of those numbers over and over every month.

Important
This is a one-time payment; using it does not authorize an electronic payment every month.

Have Questions?
Visit the Online Payments FAQ.

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By Phone

Call us toll-free at 1-800-233-0557 to authorize a one-time electronic funds transfer from your checking or savings account using your bank's ABA routing number and your bank account number.

Why pay by phone?

  • Available 24/7—Call day or night to make a payment using our self-service phone feature.
  • Easy—Use either touch-tone service or voice response technology to make a payment.
  • Manageable—Control the date the transaction occurs—up to 60 days in the future—when you know the funds will be available.
  • Flexible—Use a different savings or checking account each time.

Important
Your phone payment is divided automatically among all loans on your account. If you wish to target specific payment amounts to each loan, make an online payment instead.

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By U.S. Mail

Mail your check or money order to our payment servicing center:

American Education Services
Payment Center
Harrisburg, PA 17130-0001

We convert check payments into electronic funds transfers. So if you write a check, we will capture information from the check and make a one-time electronic deduction from your bank account.

Important

  • Be sure to include your AES account number on your check. If you are a co-signer or endorser, please include the borrower's AES account number.
  • To ensure we can process your check as efficiently as possible, please review our helpful hints for check payments.

Have Questions?
To learn more about check conversion, please visit electronicpayments.org.

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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

Loans in Default?

If your loans are currently in default 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).