American Education Services [AES]
Reviews and Complaints

I was only a month late on a bill I advised AES that I was having financial problems and that I needed assistence they gave me info on the deferrment program and adv the sooner I fax paperwork in the faster the the forbearence would be processed, I had to fax the paperwork 5 times because they always would adv me that they never recieved any of my faxes, it was costing me money just to do the paperwork because at the time I didnt work in an office with a fax machine and I had to drop kinkos $3-4 at a time, by the time they got my paperwork they then turned me over to two different collections agencys because I had 4 seperate loans with them due to different semesters, I get 15 calls a day I recieved 3 calls with in 3 min at a time.

I agree with your complaint. My son just recieved a 1098 e form from this company which baffles us .. He never recieved a student loan from them in the first place. The school he had applied for but decided not to attend sent the money back to American
Education Services yet he is being charged intrest rates on a loan he never recieved. I have emailed them and they said that this would be corrected that was two years ago and still isnt corrected..
Now this is effecting his credit rating. Why because of their ignorance.. I am going to seek legal advise regarding this matter.

How do we stop AES horrible practices, I am tired of getting phone calls saying I owe a payment when payment was made three days ago! Is this not some type of harassment? Their customer service is rude.

Thanks for suggesting we report AES to the BBB, I'm on it, now! I sure wish I had checked the BBB before signing that loan note...

I Have proof that AES/PHEAA intentionally and knowingly are forcing me to pay off someone elses student loans. I have original promissory notes, letters from my college, Wells Fargo Bank, ECMC, accounting ledger from my college, all clearly states these loans are not mine, and wells fargo bank, and ECMC never gave me student loans, though are listed by AES/PHEAA as my lender. Clear and undisputable proof they refuse to remove my name from these loans, knowing they are not mine, refusing to return my money they collected, update NSLD, notify who they sold my loans to that they are not mine, essentially forcing me to pay someone elses loans, my guess, since I paid mine off years ago, they are forcing me to pay off a bad, or uncollectible debt of someone who died, or no longer has to pay, is the only reason they wont do anything about it.
I will gladly provide my documents, evidence to any attorney, da office, cfpb, proving what criminal acts AES/PHEAA, and show what liars they are. I will get my money returned to me, if I have to jump on one of the class action lawsuits to do it.

I filed for a forbearance and these idiots didn't put it through and now my credit is hurt because of these incompetent A$$holes. Then when I try to complain and voice my opinion all the supervisor says it im sorry that happened is there anything else I can help you with?
Besides all this, you have to very 15 pieces of information when you try to do anything over the phone in an era of identity theft, what are these people thinking?!?

The starch defenders of AES are not reviewing comments in the context that they were written. I feel the starch defenders are merely hired "automatons" attacking commenters. These "automatons" are in the same roll as any feedback writer hired by any company or large corporation to bolster online reputations.

(AES ) which until recently it is showing a school I never attended.(1/2006). I asked for a pay history and none of the payments from my cancelled check match. Neither of the bills I receive the payments are reflect. They refuse to remove my cosigner. I can't get a copy of the promissory note and the school and the NSLDS reflect a balance of zero around the year 2006. I only paid to keep the collector from garnishing my daughter's wages. The original amount is higher due to billing practices which are horrible-double billing-principle and interest, payments less than a dollar which I would never pay. What can be done? If i didn't have a co-signer-- I would drop it in a heartbeat. The statue of limitations for Texas and Pennsylvania is four years. what should I do? I don't feel that i should have to pay for their lousy bookkeeping antics-they want me to fill out an identity theft affidavit . It is messing up my credit as well as my daughter's. I don't have lawyer money.

any chance AES can be sued for failing to inform me of the income based repayment program back when it originated in 2007?
I just learned of it. Meanwhile, my credit has been destroyed by failing to pay.
I would have been able to pay based on the IBR formula.

If you have any way possible of avoiding this company, I strongly advise you to do so. This company is extremely difficult to work with. I have been trying continuously to change my student loan payment plan to income-based repayment since January. It is now August. They claimed never to have received my initial application. I sent in a second one, and they took about two months to process it. I eventually got an email saying they would notify me of final approval or denial within ten days. Ten days came and went. I finally called and they said my application had been delayed again on some technicality (though they had not notified me of this). The customer service representative I was speaking with said she could fix the issue and process it immediately. After a few minutes, she said the application had gone through. I got an email several days later informing me of my new reduced payment plan. A week later, I received another email saying that my application was approved "in error" and that I would now need to send in a third application. The deadline for this repeat application was 24 hours from receipt of the email, or they would start the whole process over again. How can I get something to them in the mail in 24 hours?! This company has been significantly more difficult to work with than Sallie Mae (no picnic, by the way), a company run by the federal government. I truly did not realize it was possible to have more red tape and worse customer service than the federal government. American Education Services has proved me wrong.

I was paying my student loans back on time, and fell into a financial hardship when my roommate moved out and I was forced to cover rent/utilities/general costs on my own. I arranged to lower the monthly payment with AES and extend the life of the loans. I had missed roughly 6-7 months of payments, because I needed a roof over my head and food in my mouth. Every time I called to try to arrange something I was met with no solution. Well, lo and behold, I had defaulted on my loans. The only reason I knew was because I went back on the website to make a payment and found that my loans were now in default. I called to inquire about this and to complain that I was given no notice of this status, nor any warning that it was coming even after I had been calling to make arrangements. I was told the only thing I could do to get out of default was to pay the loan in full or to pay $3, 000. Since I couldn't barely make my monthly payments, I could do neither of those things. They said I could enter an automatic withdrawal agreement where I pay a certain amount every month for 9-12 months and then I would be out of default. I set up weekly payments with the lowest amount they would allow, which was more than I could afford but there was no other choice. I was fairly diligent about making these payments for 5 months, making almost every payment. Some payments were returned from my bank, I was charged a $25.00 fee, from AES not from my bank. They would simply take a double payment out the following week. Other times I would have plenty of money in my account to cover the payment and they would inexplicably get returned. No payments for anyone else would get returned like this. They haven't taken payments out last week or this week, so I called to see what the problem is. The man I talked to informed me that my automatic payments have been cancelled because I missed too many of them. I have to start the program over now. He also claims that my last payment was returned, yet my bank statement shows the money being taken out. When I told him that, he said, "No, we received the payment, then returned it because we decided to cancel your payments." This money was never returned to my account. I asked if they ever planned to inform me of this and apparently they sent me an email. I went through my inbox, my trash, and my spam folders and there was nothing there. So now I have to restart the payments to try to get out of default. Let's hope that they take the payments out like they're supposed to (they hardly ever do). This is how I see it. They return a payment for one week for whatever reason then take a double payment out the following week. They're getting both payments plus a $25.00 returned payment fee. Seems like it's in their best interests to return payments.

Anyone interested in a class action lawsuit against these fraudulent people please contact me at daveedwardssr@aol.com

This company has the worst customer services. Almost stalker like. They call even when they do not receive payment within the next day after it is due. I tell them on the phone when I can afford to pay them (usually my next paycheck). And even with me notifying them on when I send the payment they call everyday, sometimes 2 or 3 times. I answer the next day they call and tell them what representative I talked to and when I will send the payment but they still keep calling. Day 3 past due I talk to them again telling them I have already spoken about the issue. They tell me that there is no way to stop them from calling everyday until they receive the payment. The representative tells me NOT TO ANSWER when they call and that they will keep calling everyday. And when i was unemployed forget about it I was going to turn off my phone lines. They do not even consider lowering my payment or here is a great idea why don't these companies spend their time and money trying to find people jobs. If they help find people jobs they would get their money a lot faster and easier. It does not make any sense.

This is the worst kind of customer service I have ever dealt with. My other student loan companies are NOWHERE near as bad. Sallie Mae is bad to an extent but they wont call until maybe 2 weeks past due and they actually listen to you when you tell them when the payment is coming.

So please do not ever take out private student loans because they will harass you and not let you get on your feet after college. All they want is your money. They rather have you homeless so they could get their money. They expect you to pay them before your pay your rent and utility bills. Ridiculous! I hope there is some way to pass legislation on the harassment these companies will do. I am not surprised they don't hire people to knock on doors to collect late payments. (Maybe because a lot of former college student cannot even afford their own apartment.

I hope people can read this and maybe we can start a petition.

AES is horrific. I had all of my loans consolidated 2 years ago...and on this tax return I had my entire tax refund garnished because they say their is a loan i havent paid on. Heres the thing...they either havent been dispersing my payments evenly amongst all of my loans which they told me they've consolidated...OR someone has taken out a fraudulent loan in my name from bank of america and even the IRS who is supposed to be better than anyone else at fraud detection...didnt seem to detect this. I have to call everyone and their uncle today to try and figure out why the "H-E double hockey sticks" my tax refund was towards this ghost debt. These people are dishonest...and they do not care if the debt is accrued from fraudulent activities. They want their money even if you werent the one who requested it to begin with. As far as Education Services is concerned...this loan was supposedly sold to a third party creditor...which to my knowledge is absolutely illegal for them to do. Im getting a lawer...one who likes the youth of today and the future of tomorrow...and im going to raise some crap like its never been raised.

My student loan interest was locked in and now in the last three months they have jumped it way up to 9.2 percent . The loan was almost paid off and now they done this it’s out longer and now they saying it can jump up more each quarter. How is this even legal when the loan was locked back in 2004

AES is an absolute SCAM - they charged us interest while our son was in school and we have been paying interest on top of interest. We cannot get management to call us, we don't know who they sold the loan to, we want to negotiate a payoff but, absolutely no one will speak to us.

DON'T EVER BORROW FROM AES.

AES sent me a bill for $30.33 so I called since I was in an IBR and said where did this come from? They’ll states that it was a late payment from a year ago. I told the person on the phone I wasn’t aware of being late but let me take care of it now. So I paid it. The next month I received another bill for the late payment in the mail. I called and was informed that they did not apply the $30.33 to my late payment and would not. That I had accrued $12,000 in interest on my loans since being on the IBR PLAN since 2008 and all monies received by them would be applied to the interest and not to the late payment. I said I specifically paid my monthly payment and paid separately for the interest that their representative took payment for. They said that that representative made a mistake and she was filing a report against that representative for taking my payment. So until I fulfill $12,000 in interest I will receive a bill every month for a late payment. I believe this should be against the law!

In 2007, AES contacted me, encouraging to consolidate with them. Too long ago to remember why, prior servicer was ECM. Like most I was overwhelmed by the minutia of student debt. My otherwise prestigious university had no loan counseling. I had struggled to climb out of default. My success, believe it or not, I credit to an honest collection agency - or agent working there. On the announcement of Public Service Loan Forgiveness I called AES, explaining I wanted to pursue PSLF. I was assured by either an uninformed / undertrained or Venal customer service rep, that since my loans were "Federal" it would be fine. I still have the notes I took from the phone conversation. I also contacted the Dept of Education . Dept of Ed customer service rep, after looking into my file, noting I could consolidate, neglected to tell me that I HAD to consolidate into Direct in order to qualify for PSLF. I mentioned I spoke to AES. Sad story short, I moved my FFEL to AES instead of consolidating into Direct . 2015, I contacted AES to check on my PSLF progress. I was one of those who got the sad news: loans not eligible. It was crushing. I experienced like a death. The cruel irony is that AES Is Part of PHEAA (aka Myfedloan.org). And PHEAA - Myfedloanorg - was the sole servicer of PSLF! I was looking at working into my mid 70s in order to qualify. 2015 I reconsolidated, into PHEAA. PHEAA the "owner" of AES. Due to the Waiver, I'm finally up for loan forgiveness - despite the most underhanded efforts of AES! To be candid, I think AES "steered" me into consolidating with them. Someone at PHEEA got a bonus for the crime. There are more honest and simpler ways to finance education. America's developed one of the most complex and out sight stupid means of doing it. A middle-class or blue collar family shouldn't have to hire a financial planner & tax consultant in order to send their kids to a public or private 4 year institution. I entered public service to serve the public. A decision I don't regret. But I never expected to by exploited by Wall Street and poorly regulated "servicers, " accountable to no one.

I was on a income based repayment plan when I was married and my spouse made double my income. Now I'm divorced and my payments on the same plan have doubled. When I called to find out why they recommended I get it recalculated using my tax info. I did just that and they raised my payments even further. I called again and they literally told me there was nothing they could do so too bad. Please tell me they have to answer to someone.

Three times I have sent in advance payments for my loans which will pay off the loan. I had Unsub and Subsidized loans. Every time, they applied the payments incorrectly and spread the payment throughout ALL THE LOANS INSTEAD OF TARGETING THE HIGH INTEREST LOANS.

I specified how I wanted payments to be applied very clearly.

They are not honest.

I Have same Problem with this company we need to do something i was make a Bankruptcy in 2009 for 5 year i was pay $500.doll wen i finished pay after one year 2014 in 2007 was $27.thousand after 6 year go up to $44 thousand.the attorney never tells me the student loans never take a way from the Bankruptcy and i need help to i was get the loan for my son beat the college was closed in sunnyvale ca the name of the college was brook colleges they moving to long beach cal and they closed in 2008

I am on social security disability and do not remember co-signing a loan for my son. These people are worse than the mafia. They are causing me all kinds of health issues. I tried helping my son by paying over 7 years at 175 a month. The loan has now exceeded the amount of the original loan. It is like pouring money in a sand hole. It never stops. Is there anyone or anyhow to get help. I think this is despicable. Immigrants get free education and we get the shaft. Is there any way out of this mess? Our country wants educated people, but they will never outlive these horrid loans. I am at a loss. Has anyone ever figured a way out of this mess? Please let me know.