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Contact Us

For borrowers repaying their loans

Our customer service representatives are ready to answer your questions about your federal or alternative (private) student loans. For contact information, select your servicing center from the list below. (Don't know your servicing center? The name of your servicing center appears on your bill.)

If your question does not pertain to any of the servicing centers above, send us an email using our Online Contact form.

Loan Servicing

We service all aspects of student loans in the Federal Family Education Loan Program (FFELP), which includes Stafford (Title IV) Loans, Parent Loans for Undergraduate Students (PLUS Loans), and federal consolidation loans.

Contact Loan Servicing

Contact Method Contact Details
By telephone

1-800-233-0557 Toll-Free (United States, Canada)
(717) 720-3100 (international)
TTY: Dial 711 (for hearing and speech-impaired callers)

Representatives are available Monday to Friday, 7:30 AM to 9:00 PM (ET).

Our interactive voice response system is available 24 hours per day (except for occasional maintenance).

By fax (717) 720-3916
By email

Contact us

By U.S. Mail

Send Payments to:
American Education Services
P.O. Box 65093
Baltimore, MD 21264-5093

Send Letters and Correspondence to:
AES Loan Servicing
P.O. Box 2461
Harrisburg, PA 17105-2461

Send Payments Express/Overnight Delivery to:
American Education Services
Box #65093
1800 Washington Blvd., 8th Floor
Baltimore, MD 21230

Send Express/Overnight Letters and Correspondence Deliveries to:
AES Loan Servicing
1200 North 7th Street
Harrisburg, PA 17102

Send Conditional Payments to:
AES Conditional Payments
P.O. Box 2251
Harrisburg, PA 17105-2251

Send Credit Disputes to:
AES Credit
P.O. Box 61047
Harrisburg, PA 17106-1047

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Graduate and Professional Services

We service all aspects of alternative (private) student loans, including alternative (private) consolidation loans.

Contact Graduate and Professional Services

Contact Method Contact Details
By telephone

1-800-233-0557 Toll-Free (United States, Canada)
(717) 720-3100 (international)
TTY: Dial 711 (for hearing and speech-impaired callers)

Representatives are available Monday to Friday, 7:30 AM to 9:00 PM (ET).

Our interactive voice response system is available 24 hours per day (except for occasional maintenance).

By fax (717) 720-3916
By email

Contact us

By U.S. Mail

Send Payments to:
American Education Services
P.O. Box 65093
Baltimore, MD 21264-5093

Send Letters and Correspondence to:
AES Loan Servicing
P.O. Box 2461
Harrisburg, PA 17105-2461

Send Payments Express/Overnight Delivery to:
American Education Services
Box #65093
1800 Washington Blvd., 8th Floor
Baltimore, MD 21230

Send Express/Overnight Letters and Correspondence Deliveries to:
AES Loan Servicing
1200 North 7th Street
Harrisburg, PA 17102

Send Conditional Payments to:
AES Conditional Payments
P.O. Box 2251
Harrisburg, PA 17105-2251

Send Credit Disputes to:
AES Credit
P.O. Box 61047
Harrisburg, PA 17106-1047

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Loan Consolidation

As of July 1, 2010, all federal student loan consolidations are now processed by the U.S. government through the Federal Direct Loan Program (FDLP).

Visit StudentAid.gov to get more details.

Contact Loan Consolidation

Contact Method Contact Details
By telephone

1-800-338-5000 Toll-Free (United States, Canada)

Representatives are available Monday to Friday, 7:30 AM to 9:00 PM (ET).

By U.S. Mail

AES Loan Consolidation
P.O. Box 8139
Harrisburg, PA 17105-8139

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Default Collections

We help defaulted student loan borrowers by providing repayment options and other programs to remove their account's defaulted status, such as the Default Loan Rehabilitation Program. Get answers to your questions about the credit reporting of defaulted loans, financial aid eligibility for defaulted borrowers, and wage garnishment.

Contact Default Collections

Contact Method Contact Details
By telephone

1-800-233-0751 Toll-Free (United States, Canada)
(717) 720-3400 (international)
TTY: Dial 711 (for hearing and speech-impaired callers)

Representatives are available Monday to Thursday, 8:00 AM to 9:00 PM (ET), and Friday, 8:00 AM to 5:00 PM (ET).

Our interactive voice response system is available 24 hours per day (except for occasional maintenance).

By fax (717) 720-3644
By email

default@pheaa.org

Please note: Email is not a secure method of communication because it may be intercepted by third parties. Do not include any sensitive or private information in your email to PHEAA.

By U.S. Mail

For payments:
PHEAA Default Collections
P.O. Box 1375
Buffalo, NY 14240-1375

For letters and correspondence:
PHEAA Default Collections
P.O. Box 8147
Harrisburg, PA 17105-8147

For payment express or overnight deliveries:
PHEAA Default Collections
Lockbox 1375
626 Commerce Drive
Buffalo, NY 14228-2391

For letters and correspondence express or overnight deliveries:
PHEAA Default Collections
1200 North 7th Street
Harrisburg, PA 17102

For conditional payments:
PHEAA Conditional Payments
P.O. Box 8147
Harrisburg, PA 17105-8147

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Account Access

Did you know that by signing in to your account you can:

  • Change your address?
  • Check your loan balance?
  • Make a payment?
  • View your payment history and billing details?
  • Get your reportable tax information?

 

FAQs

Still Have Questions?

Review our FAQs to get answers to your questions.