American Education Services

I have been trying to pay off my loan for weeks now. I get messages saying they returned my payment because it was rejected by my financial institution (PNC). I have spoke with PNC two times now and they say they never received any payments, or have never rejected anything. That something is wrong on AES end. I have called AES and customer support does not know what's going on. I have been placed on hold numerous times and transferred to multiple people. No one knows the answer. I'm basically stuck. And to kick it off, Every single day $1.25 is added to my loan through interest. So I am now on day 20 since I've tried paying off the loan. That is an extra $25 so far.

I have never borrowed from this company. I am 80 years old. I had a neighbor across the street some 20 years ago who apparently had a student loan from AES. I vaguely remember him. He lived across the street from me for three years. According to AES he recently died. I would guess he would have been in his 50s when he was my neighbor. Today, I received a letter from AES telling me they were sorry for MY loss (I hardly knew him), but that I need to pay off his student loan(s)! They told me I MAY be eligible for a partial or full discharge, IF I provide them with his death certificate. WHAT???? These people are insane!

This is one of the most difficult and dishonest organizations to work with. PLEASE DO NOT GIVE THEM YOUR MONEY. I have been struggling for two years to get them to realize that I am still in school and they continue to send me bills every semester for my student loans. I repeatedly call them, email forms, mail forms, fax forms, have my school call them, etc. etc. and every semester the same issue happens. It is unbelievable. I just got off the phone with them for two (2!!) hours trying to figure this out and basically they just say it's not their problem if they don't have the right documentation and so I have to fix it on my end. Even though I have paper and electronic verification of the multiple times I have sent in my Enrollment Verification Certificate and I would be happy to send it in again. For the love of all that is holy, stay away from AES.

I am not surprised to read about so many other reviews of the terrible customer service of AES. Had login trouble getting into my account this morning, so I called later in the day to get help. Three different reps told me they needed an account password to verify my account. I have no idea what they're talking about. For the past four years, I've consistently paid my bill every month on time and never had a problem with the website until today. They tell me I need to send in a request in writing to fix the password issue. Really? I gave them my full date of birth and SS number and still they can't verify it without this stupid password. I don't even remember setting this up. Most "normal" companies can easily verify your identity with a SS number to resolve these issues except for AES. Anyone reading this, spread the word about AES.

It's bad enough that they raise your interest rates to whatever rate they want whenever they want, but they are difficult to work with, their customer service persons are not only unhelpful, they are rude on top of it (this included their online chat persons as well. If you have a question they treat you like you're an idiot and make it almost impossible to make a change on your account. If you pay a bill the day it's due, be prepared to get a phone call. If it's due on say the 10th, and you process your payment on their website on the 8th or 9th, even though your payment is EARLY, they will start harassing you with phone calls because their system takes 3 days minimum to process the payment on their end.

I deeply hate AES. I hope they go bankrupt. I was told that my aunt who agreed to be my cosigner will be crossed out of the student loan after 4 years of consecutive payments on time. It’s been 10 years and AES still refuses to take her off. I didn’t miss a single payment and paid more than what I was supposed to. They discriminate against me because I am Canadian. They cannot accept any credit information other than from USA. I sent them multiple documents but none of them works because their bureaucrats have issues when someone does not have USA social security number. Now my aunt wants to buy a house and she cannot 'cause she has my loan on her name. Thank you AES for putting me in this situation.

Allowed my daughter to only pay interest on loan for 10 years w/o consulting me!! Now she defaults and I owe full amount!!!! So I paid!! Now they owe me 'cause payoff was wrong and say 30 days? Total POS company! RUN!!!

Having 2 loans through this company. Had both loans switched to same due date. After a forbearance, they decide to change my dates back to original due dates (2 separate dates). I went to pay my bill on the phone and requested to switch my dates switched back. The customer service said gladly. Few days later got an email saying I was denied due to no signature. Ok?!

This company guarantor or whatever.. is inept (or they are inept). I've been dealing with this company for OVER A YEAR for a teacher forgiveness application. Unless you call, they do not let you know what you need or not need for the application. Always telling you "you are missing ... " Once you send it, unless you call, you will not know they actually received it. After they receive what they said they were missing, magically when you call again, you need something else. IF I COULD GIVE NEGATIVE STARS I WOULD! THE CUSTOMER SERVICE IS HORRIBLE! THEY DO NOT WANT TO APPROVE ANYTHING!

Got misinformation when I called - more than once - to ask if I needed to consolidate my loans again to qualify for the Public Service loan forgiveness program. I was ASSURED that I didn't need to do that. That ultimately cost me $54,000 and 7.5 years of payments toward the program. Now instead of 2.5 years of payments, I have to start over: TEN MORE YEARS. Pretty much says it all.