Can I refinance my student loans through AES?

All AES student loans are eligible for private refinancing, including both federal and private student loans. However, borrowers with federal student loans should carefully consider their options before refinancing.

Is AES considered a federal student loan?

Is American Education Services a federal student loan? AES doesn’t actually lend money, so there is no American Education Services student loan. Its parent company, PHEAA, does offer a private student loan called the PA Forward Loan. AES helps borrowers manage their student loan payments.

Does Navient own AES student loans?

American Education Services (AES): the basics AES — known formally as “American Education Services — Pennsylvania Higher Education Assistance Agency” — is one of four primary federal student loan servicers (the other three being Nelnet, Navient and Great Lakes, which is owned by Navient but operates independently).

Is AES and Pheaa the same?

What Is American Education Service? AES is owned by the Pennsylvania Higher Education Assistance Agency (PHEAA) and was established to service and guarantee FFEL and some alternative private student loans.

What kind of loan is AES?

Federal Family Education Loan Program
American Education Services ( AES ) was established by the Pennsylvania Higher Education Assistance Agency (PHEAA) to guarantee and service a variety of Federal Family Education Loan Program ( FFELP ) and private (alternative) student loan products for our lending partners throughout the nation.

Is AES part of PHEAA?

Who is AES? PHEAA conducts its student loan servicing operations commercially as AES . AES created Account Access to provide a way for borrowers to manage their loans online. PHEAA uses this secure service from AES to support students who participate in some of the aid programs that it administers.

Can private student loans take your tax refund?

Keep in mind that private student loans cannot take your tax refund. The key to avoiding default status on your student loans — and, by extension, having your tax refund taken — is by making your monthly payments on time and in full.

Is AES and PHEAA the same?

American Education Services ( AES ) was established by the Pennsylvania Higher Education Assistance Agency (PHEAA) to guarantee and service a variety of Federal Family Education Loan Program ( FFELP ) and private (alternative) student loan products for our lending partners throughout the nation.

Are AES student loans eligible for private refinancing?

All AES student loans are eligible for private refinancing, including both federal and private student loans. However, borrowers with federal student loans should carefully consider their options before refinancing.

What are the AES student loan forgiveness programs?

The federal student loans serviced by AES may be eligible for the following student loan forgiveness programs: Closed School Discharge: wipes out the balances for student loan borrowers who attended a school that closed while they were in attendance or shortly after they left.

How do I contact AES for student loan help?

In addition to aessuccess.org, AES and PHEAA run You Can Deal With It, a website that helps educate borrowers on their student loan repayment options. You can contact AES by phone at 800-233-0557, Monday through Friday, 7:30 a.m. to 9:00 p.m. ET.

Can I consolidate my AES loans?

– Federal consolidation of AES loans, or any federal government loan, is all about program eligibility. Some federal student loans, such as FFELP loans, are not eligible for all of the Income-Driven Repayment Plans, and these same loans are not all eligible for Public Service Loan Forgiveness.