American Education Services Reviews

As you can see by the other reviews this company sucks a fat one. I paid my student loans off to them over almost 20 years. Couldn't stand their customer service. TERRIBLE. Screwed up my loan payments so many times. Use anybody else for your student loans.

April's payment was withdrawn from our account twice. Upon calling was told nothing they could do because it was done online. Surprisingly, the double payment overpaid the remaining balance, and I’m sure that will not be refunded either.

We have had four loans with AES since approximately 2014, two of which are paid off. We have two children, and had eight straight years of college. While trying to pay last two remaining loans, I have been having trouble getting in. I changed the password and it was fine. But yesterday I called to ask why a payment had not been applied and they said it can take up to two business days. This morning when I went to log in to see if it had been applied, I was completely locked out. Even though I had been a co-signer on one the 4 loans, which is paid off, I was told only my husband can get in and make a payment and I have no authority to pay online. I was told by the first Representative in order to discuss the loans, I would need a Power of Attorney, and only my husband can pay! I have no idea what happened in the last 24 hours, but I have paid them online, with confirmation coming to my email, for years!

American Education Services acquired my student loan account, which I had been keeping either on income driven repayment or in forbearance. Now I have reached the maximum limit, and it is time to pay. I submitted my work earnings, and they set me up to start paying $146.09 beginning July 19, 2025. I did make a payment a few days after the 19th, but the system still shows delinquent days counting, now at 226 days. From my understanding, at 270 days the loan can go into default. I am poor and cannot afford to pay the $2,***.** past due balance.

Predatory lender and unfairly continues to collect payments from those who filed for bankruptcy. Avoid borrowing at all costs. You will be paying off for the next 30 years at an extremely high fluctuating interest rate!

20 years I've been paying my loan, made what I thought was last payment, then a couple days later they draft my account for the same amount. I canceled auto pay and made sure to pay the payoff amount. So, I called, it will take at least 30 days to get my money back. They are just holding my money, not paying any interest. It's pretty ridiculous, and just a terrible way to end my 20 years of paying with them.

Never use this company for Student loans, I have already paid them triple what I borrowed from them and am scheduled to continue paying for another 5 years. They are definitely a predatory company on college kids who are desperate for money to attend school.

Trying to get a payment history with this company is like trying to put a cat in a bag. I finally managed to get one and they have bought and sold the loans so much, I think I've paid the loans at least 3 times. They offer no help but, squawk at you to call the guarantor on the loan. Well, I did that, and it was totally useless as they said to call AES. I have exactly 12 more payments to make and thankfully and hopefully it will finally be paid. There are still suspicious amounts on there that make no sense when it is added up.

Disgusting. Unconscionable. Predatory. Criminal. Fraudulent. The only reason why no one is making more noise about the long-term negative effects of private student loans and their detrimental impact on the lives of swindled borrowers is because of the fact that so many people are profiting from their suffering.

I trust the ads more on adult websites than this company. Much of what has already been stated in other comments can be agreed with or felt the same about regarding my account. This unscrupulous company unapologetically violates FDCPA law as well as making it unnecessarily difficult to initiate pay-offs without adding unjust fees because their system is lacking in processing transactions. If you're looking to get scammed and schemed, go to AES. If you're looking for a reliable and ethical creditor - go elsewhere.