Ways to Pay

Convenient, flexible options like Direct Debit and online payments make managing your student loan account easy. Choose what works for you.

Go Green. Get Direct Debit.

Direct Debit is the easiest way to make your student loan payments. Automatic electronic transactions mean your payment is always on time, giving you one less thing to worry about each month. Plus, it's free, and it's good for the environment.

Download Now (PDF requires Adobe Reader)

Loans in Default?
Direct Debit Default Collections Electronic Funds Transfer Agreement (PDF)

Have Questions?
Visit the Direct Debit FAQ.

Other Ways to Pay

Online By Mail By Phone

Authorize a one-time electronic payment to your account using your American banking institution's routing and account numbers.

  • Available 24/7
    Sign in to Account Access, day or night, to make a payment online.
  • Manageable
    Control the date the transaction occurs—up to 60 days in the future—when you know the funds will be available.
  • Convenient
    Divide your payment among all your loans or specify amounts for individual loans.
  • Flexible
    Use a different savings or checking account each time.

Remember
This is a one-time payment; using it does not authorize an electronic payment every month. To find out about automatic monthly payments, see Direct Debit.

Need More Information?
Visit the Online Payments FAQ.

Mail your check or money order to our payment servicing center:

American Education Services
Harrisburg, PA 17130-0001

  • Be sure to include your account number on your check. If you are a co-signer or endorser, please include the borrower's account number.
  • To ensure we can process your check as efficiently as possible, please review our helpful hints for check payments.

Check Processing Info
AES electronically processes all paper checks.

When you write a check, it can be converted to an electronic payment. Information is captured from your check, and a one-time electronic payment is deducted from your account.

To learn more about check conversion, please visit electronicpayments.org.

Authorize a one-time electronic payment from your checking or savings account using the American Bankers Association (ABA) number.

  • Available 24/7
    Call day or night to make a payment using our self-service phone feature.
  • Easy
    Use either touch-tone service or voice response technology to make a payment.
  • Manageable
    Control the date the transaction occurs—up to 60 days in the future—when you know the funds will be available.
  • Flexible
    Use a different savings or checking account each time.

Keep in Mind
The payment is divided automatically among all loans on your account. If you wish to target the payment between individual loans, please sign in to Account Access to use our Online Payments option.
Account Access
Username:
Where Do I Enter My Password?

Create account
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Go paperless with eBilling.

Paperless billing notices (eBills):

  • Remind you via email when payment is due
  • Provide a direct link to sign in to your account, making it easy to pay online

To sign up for eBilling:

  1. Sign in above.
  2. Go to Payments & Billing and select Billing Preferences/eBilling.