AES Success: Everything You Need to Know About American Education Services
What is AES Success?
American Education Services (AES) is a student loan servicer that manages federal and private student loans. It is responsible for processing payments, providing customer support, and assisting borrowers in managing their repayment plans. AES Success is a popular online portal that allows borrowers to access their student loan information, make payments, and explore repayment options.
How AES Success Works
AES acts as a middleman between borrowers and lenders. The organization does not provide student loans but rather manages them on behalf of lenders. Borrowers who take out federal or private student loans may find their loans serviced by AES. This means AES is responsible for sending billing statements, processing payments, and helping borrowers with questions or concerns about their loans.
Key Features of AES Success
1. Online Account Management
AES Success provides borrowers with an easy-to-use online platform where they can:
- View loan balances and interest rates
- Make online payments
- Sign up for automatic payments
- Apply for deferment or forbearance
- Update personal information
2. Loan Repayment Options
AES offers various repayment plans to help borrowers manage their loans effectively:
- Standard Repayment Plan: Fixed payments over a 10-year period
- Graduated Repayment Plan: Payments start low and increase over time
- Income-Driven Repayment (IDR) Plans: Payments are based on income and family size
- Extended Repayment Plan: Available for borrowers with larger loan balances, extending payments up to 25 years
3. Loan Forgiveness and Discharge Options
Borrowers working in public service or facing financial hardships may qualify for loan forgiveness programs:
- Public Service Loan Forgiveness (PSLF): For borrowers working in qualifying public service jobs
- Teacher Loan Forgiveness: For educators teaching in low-income schools
- Disability Discharge: For borrowers who become permanently disabled
4. Deferment and Forbearance Options
AES provides temporary relief for borrowers facing financial difficulties. Deferment and forbearance allow borrowers to pause payments, though interest may still accrue. Eligibility depends on loan type and borrower circumstances.
How to Log in to AES Success
To access your student loan details on AES Success, follow these steps:
- Visit the AES website at www.aessuccess.org
- Click on “Sign In”
- Enter your username and password
- Navigate to your loan dashboard to view details and make payments
If you forget your login credentials, AES provides a recovery option via email or phone verification.
How to Make a Payment on AES Success
AES offers multiple ways to make loan payments:
- Online Payment: Through the AES Success portal
- Automatic Payments: Borrowers can set up autopay for convenience
- Phone Payment: Payments can be made by calling AES customer service
- Mail Payment: Borrowers can send checks or money orders to AES’s payment address
- Third-Party Bill Pay Services: Some borrowers choose to use their bank’s bill pay feature
Common Issues and How to Resolve Them
1. Trouble Logging In
If you experience login issues:
- Reset your password
- Ensure your browser is up to date
- Try a different browser or clear your cache
2. Missed or Late Payments
If you miss a payment:
- Contact AES immediately to discuss options
- Request a deferment or forbearance if eligible
- Enroll in an income-driven repayment plan
3. Loan Servicing Transfers
If AES is no longer servicing your loan:
- Check your emails for updates from the new loan servicer
- Verify loan details on the Federal Student Aid website
- Update your payment method with the new servicer
Contacting AES Customer Service
For assistance, you can contact AES customer support through:
- Phone: 1-800-233-0557
- Email: Available via the AES Success website
- Mailing Address: AES, P.O. Box 2461, Harrisburg, PA 17105-2461
- Live Chat: Available on the AES website during business hours
Conclusion
AES Success is a crucial resource for student loan borrowers, offering convenient online management, various repayment plans, and support for loan forgiveness and deferment. Borrowers should utilize the AES Success portal to stay informed about their loans and take advantage of repayment options.
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