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Ways to Pay

A convenient way to pay your student loan bill is with Direct Debit.

Apply for Direct Debit. Once approved, you may even qualify for an interest rate reduction. Or, compare the benefits of all the ways to pay your student loan bill. Then decide what works best for you.

Direct Debit

Direct Debit sets up an electronic deduction from your checking or savings account on your due date each month. Since your loan payment happens automatically, it's applied effective on your due date, even if your due date falls on a weekend or holiday.

Benefits of Direct Debit

  • Direct Debit is a convenient way to make your student loan payments—on time, every month.
  • Direct Debit is a free service. You may even qualify for an interest rate reduction while actively making payments on Direct Debit.
  • 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 funds are available.

Sign Up Now for Direct Debit

Important: Continue making payments until you receive confirmation that Direct Debit will extract your next payment. You'll need to use another payment method until we've completed setting up the arrangement of monthly payment extractions with your bank. We'll do this as quickly as possible for you.

Payment Timeline

A Direct Debit payment credits to your account on the day the payment is due, even if your due date is a weekend or holiday. It generally posts to your account within 2 business days of the due date. Your payment may appear as "In Process" in Account Access for a few days while it is pending application.

Paying extra:

Please note: Paying extra may place your loans into paid ahead status.

Make Changes Online

Through Account Access, your online account management tool, we make it easy for you to modify your Direct Debit service. In Account Access you can:

  • Change your bank account information
  • Update and target extra funds to specific loans
  • Add a loan not covered by your existing Direct Debit Agreement
  • Suspend your Direct Debit service
  • Cancel your Direct Debit service
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 Agreement (PDF) and retain a completed copy for your records.

Pay Online

Benefits of Paying Online

  • Make payments anytime, day or night
  • Schedule payments in advance
  • Save your bank accounts for future payments
  • Pay using any of your saved bank accounts
  • Target extra payments to specific loans

How to Get Started

Step 1 Sign in to Account Access.
Step 2 Click "Make a Payment."
Step 3 Enter payment information—you can save your bank account for future use.
Step 4 Hit the "Make a Payment" button and relax for another month.

Keep in Mind

This is a one-time payment. To set up automatic monthly payments, sign up for Direct Debit.

Payment Timeline

You can select any day for an online payment. Payments typically post to your account within 2 business days of the effective date you select. Your payment may appear as "In Process" in Account Access for a few days while it is pending application.

Paying extra: You have the option to target extra payments to specific loans. Paying extra may place your loans into paid ahead status.

Have Questions?

Visit the Online Payments FAQ.

Pay by Mobile App

Benefits of Paying by Mobile App

  • Make payments anytime while on the go
  • Target extra funds to specific loans
  • Have your bank routing number and account number ready in order to set up an electronic payment.
  • Save your bank accounts for future payments, or pay using any of your saved bank accounts.

How to Get Started

Step 1 Download our mobile app at:

Step 2 Sign in using your username and password.
Step 3 Tap the "Payment" button.
Step 4 Enter or choose your payment information.

Payment Timeline

Any payment you make using our mobile app is effective the day you submit the payment. These payments typically post to your account within 2 business days of that date. Your payment may appear as "In Process" in Account Access for a few days while it is pending application.

Paying extra: You have the option to target extra payments to specific loans. Paying extra may place your loans into paid ahead status.

Pay by Phone

  • Call 1-800-233-0557 to make payments anytime, day or night.
  • Select the date the payment will be made—up to 60 days in the future—when you know the funds will be available.
  • Have your 10-digit AES account number and date of birth on-hand for identification purposes.
  • Have your bank routing number and account number ready in order to set up an electronic payment.
  • Save your bank account information for future payments or pay using any of your saved bank accounts.

Where can I find my account number?

Keep in Mind

Your phone payment is spread automatically among all loans on your account. For more details on how these payments are applied, please review our payment application examples.

If you wish to target specific payment amounts to each loan, make an online payment instead.

Payment Timeline

You can select any day for a phone payment. Payments typically post to your account within 2 business days of the effective date you select. Your payment may appear as "In Process" in Account Access for a few days while it is pending application.

Paying extra: You have the option to target extra payments to specific loans. Paying extra may place your loans into paid ahead status.

By U.S. Mail

Make your check or money order payable to American Education Services and mail to:

American Education Services
P.O. Box 65093
Baltimore, MD 21264-5093

Be sure to include your AES account number on your check. If you are a co-signer or endorser, please include your AES account number. Only send payments to this address. Send any other correspondence to our correspondence address.

Keep in Mind

  • Send your written instructions to us at our correspondence address:
    American Education Services
    P.O. Box 2461
    Harrisburg, PA 17105-2461
  • Do not secure your check or money order to other documents with staples, paperclips, or similar. You should include your account number on any additional correspondence associated with your check or money order.

Payment Timeline

We recommend mailing your payment at least 5 to 7 business days before your due date to ensure we receive it on time. These payments are effective on the date we receive them, or on the next business day in the case of a weekend or holiday. Mailed payments are typically posted to your account within 2 business days of the date received. Your payment may appear as "In Process" in Account Access for a few days while it is pending application.

Paying extra: You have the option to target extra payments online or request in writing that we reapply extra payments to specific loans. Paying extra may place your loans into paid ahead status.

Pay by Third Party Bill-Pay Services

If you use a bill-pay service or pay through your bank, be sure that they have our correct address so that your payment is sent to the right place.

Also keep the following information in mind:

  • As your servicer, we don’t have the ability to offer any interest rate reductions or incentives for automatic payments set up through a third party. You may want to enroll in Direct Debit, our automatic payment program; your lender may offer an incentive. Contact us for details.
  • If your bill-pay service mails us a payment, it will be effective the date we receive it, or on the next business day in the case of a weekend or holiday. If you have questions about whether or not a third party service mailed a payment to us, you should contact them for details.
  • Your bill-payer may not include any additional instructions or text when they submit your payment, such as in the "memo" text. If you have specific instructions about how we should apply a payment, you need to contact us directly.

Payment Timeline

The payment will be effective the date we receive it from your bill-payer service. These payments typically post to your account within 2 business days of that date. Your payment may appear as "In Process" in Account Access for a few days while it is pending application.

Paying extra: You have the option to target extra payments to specific loans. Paying extra may place your loans into paid ahead status.

Set Up Advance Payments

Through Account Access and by phone you can schedule your payments into the future. Each month, you can schedule a maximum of eight payments up to 180 days in the future. You have the flexibility to set up your payments when you know you'll have funds available.

The option to set up advance payments may be particularly useful if you want to make multiple payments in a given month, or if you prefer to check in on your loans less frequently.

Sign in and schedule your payments today!