Online Payments FAQ

Is there a charge for paying online?

No. We provide this service at no cost to you.

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Once I pay online, do I have to pay this way every month?

No. This service is available for your convenience. If you pay online this month, you can send a check next month. There are never any automatic payments, so you remain in control. You decide the amount and date we are to deduct the payment from your account.

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Do I have to provide an email address?

No. However, if we do not have an email address, we may not be able to send you confirmation that we have received your request and are processing your payment. This confirmation is a good source of reference if there are any future questions about your online payment.

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What are the system requirements to use this service?

You must use one of the following browsers to pay online:

  • Netscape Navigator version 6.2.1 or greater
  • Microsoft Internet Explorer version 5.0 or greater

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How secure is my personal information?

We use the most up-to-date encryption technology to ensure your account information is not available to outside sources. Also, we never provide unauthorized third parties with information regarding how, when, or how much you pay.

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What type of accounts can I use to pay online?

You can use either a checking or savings account. At this time, we do not accept debit or credit cards.

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When can I view my payment on my student loan account?

If you enter your payment information prior to 3:00 PM (ET) on your selected payment date, you can normally view it online the following business day.

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When will AES deduct the funds from my account?

We normally deduct your payment within 2 days after your selected payment date.

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What is the ABA (routing and transit) number?

The American Bankers Association (ABA), or routing and transit, number is a unique nine-digit number that identifies your financial institution. If you have a checking account, you can usually find this number on the bottom of the check along with the account number.

  • Please note that credit unions may use a different ABA number than what appears on the bottom of the check. We suggest you verify your information with your credit union to avoid any disruption in the processing of your payment.
  • If you choose to make a payment using a savings account, please verify the ABA number with your financial institution.
  • Please note: It is very important that you enter the ABA number and all other account information correctly. This information is used to deduct the funds from your financial institution. If any of the information is wrong, we cannot process your student loan payment.

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How can I confirm if my payment has been withdrawn from my financial institution account?

Normally we withdraw your payment within 2 business days after your selected payment date. To be sure, contact your financial institution or check your financial institution account statement.

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What is the cutoff time for entering payments?

The cutoff for any payment date is midnight (ET).

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Account Access