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About AES

American Education Services (AES) was created to service a variety of Federal Family Education Loan Program (FFELP) and private education loan products for lending partners throughout the United States. AES is a national leader in providing quality customer service to millions of student loan borrowers through its highly trained and experienced customer service representatives. The Pennsylvania Higher Education Assistance Agency (PHEAA) conducts its student loan servicing activities nationally as AES.


The Pennsylvania Higher Education Assistance Agency (PHEAA) was created by the Pennsylvania General Assembly in 1963 to provide affordable access to higher education for PA students and families. Through the years, PHEAA has evolved into one of the nation’s leading providers of student financial aid services, including the Commonwealth’s state-based student loan program—PA Forward. PHEAA also serves millions of students through guaranty, servicing, financial aid processing, and other programs.

PHEAA conducts student loan servicing operations nationally as American Education Services (AES).

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