American Education Services - Ways to Pay

American Education Services – Ways to Pay

A handy technique to pay your student loan invoice is with Direct Debit.

Apply for Direct Debit. Once authorized, you could even qualify for an rate of interest discount. Or, evaluate the advantages of all of the methods to pay your student loan invoice. Then determine what works greatest for you.

Direct Debit units up an digital deduction out of your checking or financial savings account in your due date every month. Since your loan fee occurs mechanically, it is utilized efficient in your due date, even when your due date falls on a weekend or vacation.

Benefits of Direct Debit

  • Direct Debit is a handy technique to make your student loan funds—on time, each month.
  • Direct Debit is a free service. You might even qualify for an rate of interest discount whereas actively making funds on Direct Debit.
  • Set up an digital deduction out of your checking or financial savings account on the identical date every month.
  • Since your loan fee occurs mechanically, it is by no means late as long as funds can be found.

Sign Up Now for Direct Debit

Important: Continue making funds till you obtain affirmation that Direct Debit will extract your subsequent fee. You’ll want to make use of one other fee technique till we have accomplished establishing the association of month-to-month fee extractions together with your bank. We’ll do that as rapidly as doable for you.

Payment Timeline

A Direct Debit fee credit to your account on the day the fee is due, even when your due date is a weekend or vacation. It usually posts to your account inside 2 enterprise days of the due date. Your fee might seem as “In Process” in Account Access for just a few days whereas it’s pending utility.

Paying additional:

Please word: Paying additional might place your loans into paid forward standing.

Make Changes Online

Through Account Access, your on-line account administration instrument, we make it straightforward so that you can modify your Direct Debit service. In Account Access you possibly can:

  • Change your bank account info
  • Update and goal additional funds to particular loans
  • Add a loan not coated by your current Direct Debit Agreement
  • Suspend your Direct Debit service
  • Cancel your Direct Debit service

Loans in Default?

If your loans are presently in default and you would like to join Direct Debit, please full, signal, and submit the Direct Debit Default Collections Agreement (PDF) and retain a accomplished copy to your information.

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Benefits of Paying Online

  • Make funds anytime, day or evening
  • Schedule funds upfront
  • Save your bank accounts for future funds
  • Pay utilizing any of your saved bank accounts
  • Target additional funds to particular loans

How to Get Started

Step 1 Sign in to Account Access.
Step 2 Click “Make a Payment.”
Step 3 Enter fee info—it can save you your bank account for future use.
Step 4 Hit the “Make a Payment” button and chill out for one more month.

Keep in Mind

This is a one-time fee. To arrange automated month-to-month funds, join Direct Debit.

Payment Timeline

You can choose any day for an internet fee. Online funds made up till 11:59 PM (ET) will acquire the identical day efficient date; nonetheless, funds made after roughly 3:30 PM (ET) is not going to be despatched to the bank till the next day for processing. Payments usually publish to your account inside 2 enterprise days of the efficient date you choose. Your fee might seem as “In Process” in Account Access for just a few days whereas it’s pending utility.

Paying additional: You have the choice to focus on additional funds to particular loans. Paying additional might place your loans into paid forward standing.

Have Questions?

Visit the Online Payments FAQ.

Benefits of Paying by Mobile App

  • Make funds anytime whereas on the go
  • Target additional funds to particular loans
  • Have your bank routing quantity and account quantity prepared to be able to arrange an digital fee.
  • Save your bank accounts for future funds or pay utilizing any of your saved bank accounts.

How to Get Started

Step 1 Download our cellular app at:


Step 2 Sign in utilizing your username and password.
Step 3 Tap the “Payment” button.
Step 4 Enter or select your fee info.

Payment Timeline

Any fee you make utilizing our cellular app is efficient the day you submit the fee. Mobile funds made up till 11:59 PM (ET) will acquire the identical day efficient date; nonetheless, funds made after roughly 3:30 PM (ET) is not going to be despatched to the bank till the next day for processing. These funds usually publish to your account inside 2 enterprise days of that date. Your fee might seem as “In Process” in Account Access for just a few days whereas it’s pending utility.

Paying additional: You have the choice to focus on additional funds to particular loans. Paying additional might place your loans into paid forward standing.

  • Call 1-800-233-0557 to make funds anytime, day or evening.
  • Select the date the fee will probably be made—as much as 60 days sooner or later—when you recognize the funds will probably be accessible.
  • Have your 10-digit AES account quantity and date of beginning on-hand for identification functions.
  • Have your bank routing quantity and account quantity prepared to be able to arrange an digital fee.
  • Save your bank account info for future funds or pay utilizing any of your saved bank accounts.
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Where can I discover my account quantity?

Keep in Mind

Your telephone fee is unfold mechanically amongst all loans in your account. For extra particulars on how these funds are utilized, please evaluate our fee utility examples.

If you want to goal particular fee quantities to every loan, make an internet fee as a substitute.

Payment Timeline

You can choose any day for a telephone fee. Phone funds made up till 11:59 PM (ET) will acquire the identical day efficient date; nonetheless, funds made after roughly 3:30 PM (ET) is not going to be despatched to the bank till the next day for processing. Payments usually publish to your account inside 2 enterprise days of the efficient date you choose. Your fee might seem as “In Process” in Account Access for just a few days whereas it’s pending utility.

Paying additional: You have the choice to focus on additional funds to particular loans. Paying additional might place your loans into paid forward standing.

Make your examine or cash order payable to American Education Services and mail to:

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

Be positive to incorporate your AES account quantity in your examine. If you’re a co-signer or endorser, please embody your AES account quantity. Only ship funds to this handle. Send every other correspondence to our correspondence handle.

Keep in Mind

  • Send your written directions to us at our correspondence handle:
    American Education Services
    P.O. Box 2461
    Harrisburg, PA 17105-2461
  • Do not safe your examine or cash order to different paperwork with staples, paperclips, or related. You ought to embody your account quantity on any extra correspondence related together with your examine or cash order.

Payment Timeline

We advocate mailing your fee at the least 7 to 10 enterprise days earlier than your due date to make sure we obtain it on time. These funds are efficient on the date we obtain them, as much as 11:59 PM (ET). Mailed funds are usually posted to your account inside 2 enterprise days of the date obtained. Your fee might seem as “In Process” in Account Access for just a few days whereas it’s pending utility.

Paying additional: You have the choice to focus on additional funds on-line or request in writing that we reapply additional funds to particular loans. Paying additional might place your loans into paid forward standing.

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If you employ a bill-pay service or pay via your bank, make certain that they’ve our appropriate handle in order that your fee is shipped to the suitable place.

Also preserve the next info in thoughts:

  • As your servicer, we don’t have the power to supply any rate of interest reductions or incentives for automated funds arrange via a 3rd occasion. You might wish to enroll in Direct Debit, our automated fee program; your lender might provide an incentive. Contact us for particulars.
  • If your bill-pay service mails us a fee, it will likely be efficient the date we obtain it, or on the subsequent enterprise day within the case of a weekend or vacation. If you may have questions on whether or not or not a 3rd occasion service mailed a fee to us, it is best to contact them for particulars.
  • Your bill-payer might not embody any extra directions or textual content after they submit your fee, similar to within the “memo” textual content. If you may have particular directions about how we should always apply a fee, you want to contact us instantly.

Payment Timeline

The fee will probably be efficient the date we obtain it out of your bill-payer service. If your invoice pay fee is shipped by way of examine, we advocate mailing your fee at the least 7 to 10 enterprise days earlier than your due date to make sure that we obtain it on time. These funds usually publish to your account inside 2 enterprise days of that date. Your fee might seem as “In Process” in Account Access for just a few days whereas it’s pending utility.

Paying additional: You have the choice to focus on additional funds to particular loans. Paying additional might place your loans into paid forward standing.

Through Account Access and by telephone you possibly can schedule your funds into the longer term. Each month, you possibly can schedule a most of eight funds as much as 180 days sooner or later. You have the pliability to arrange your funds when you recognize you may have funds accessible.

The choice to arrange advance funds could also be notably helpful if you wish to make a number of funds in a given month, or should you favor to examine in in your loans much less often.

Sign in and schedule your funds right this moment!