American Education Services

American Education Services

 2.0/5 (497 reviews)

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Overall Rating2.0 out of 5
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Verified Reviewer
Original review: June 2, 2023

My experience with AES has been one of constant attrition. For context, I live in poverty and my monthly payment was unreasonable for my income. It was almost half my rent. My income has always been low, and it was sometimes $0 during some periods of unemployment due to disability. However, AES would not help calculate a different payment based on income, and would not allow me to defer my loan, even on the basis of extreme hardship during COVID-19. I simply had to go without a lot of things I needed to make these payments so my credit would not take a hit, which would make life even harder. I spoke with them and they offered no alternatives.

Fast forward through three years of this, I have somehow managed to make full payments on time every month, and I just made my last payment. My loan is finally paid in full. A few days later I logged into my account to check, and it's showing a balance of $0.03 and has listed by loan status as "delinquent." I have never been late on a payment and made my final payment in full, on time. I am currently in communication with them to resolve this, but even if they properly update my account it will not change my review. Do not do business with this servicer.

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Verified Reviewer
Original review: April 25, 2023

I took out a 7k loan to pay for a semester of college in 2006. It is now 2023. I’ve made an $85 a month payment every month on time since and somehow I have only paid the balance down to 5k. I’ve paid the loan back 2 1/2 times and still nowhere close. Something seems very off about this as the interest rate is not that much. I think there is enough people who have this same issue to file a class action lawsuit. When I’ve called to inquire about this, I’ve been made to feel like I’m a terrible person for even asking. Like I’m a total inconvenience that they even have to answer the phone and look up my account. People do not use this company and for the people that are in my position. I think we move forward with class action. From the reviews, it looks like I am not the only one.

2 people found this review helpful

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    Verified Reviewer
    Original review: March 10, 2023

    I called to discuss my personal account, and I was provided -what seemed like- purely ‘scripted’ information spoken ‘at’ me in the most flat, matter-of-fact, robotic, and rude tone and manner. Like a child. I had received correspondence from AES in the mail, and I was calling to get clarity, to better understand the information about my loans. As well as inquiring about the Biden Student Relief program and my particular financial loan circumstances. I was consistently redirected throughout the ‘conversation’ to go online as if AES (and the tone of the customer service agent) is being very inconvenienced by taking care of their customers' questions and concerns…and I should just go online for the information and not call or bother them regarding my loan account with them! I was seeking clarity and confirmation.

    When the manager came on the phone after the phone-call was escalated, this person’s tone and demeanor sounded even more rude and professionally inappropriate than the first. The customer service team at American Education Services is obviously ‘burned-out’ or exhausted regarding providing acceptable, reasonable, and considerate customer service practices. No accommodations. Students or previous students are left to find answers on their own?? Super disappointing. At one time, AES’ customer service was exceptional! Not now.

    2 people found this review helpful
    Verified Reviewer
    Original review: Oct. 12, 2022

    Hi, AES is refusing to honor my application for consolidation that I filed online at ** on September 5th, 2022. According to their OWN website, if I file this consolidation application before the end of October 2022 I qualify for direct loan consolidation and cares act benefits and PSFL and IDR count adjustments. I am already in the public service loan forgiveness program and the IDR program. I qualify yet they are refusing to process my consolidation application.

    I also qualify for the one time federal forgiveness of $10K for my commercially held FFELP student loans if I apply for consolidation before September 29th, 2022 according to THEIR OWN website FAQ. I did. I applied on September 5th, 2022. They also arbitrarily applied a fraudulent “in school” forbearance to both my loans during the consolidation process. I am 50 years old. I took out the loans in 2005. I did not apply for this nor am I am in school. This was fraudulently applied. I did not request this AT ALL. I have filed compliant after complaint and they deny my consolation application and tell me I don’t qualify when I clearly do. They are breaking federal law and committing fraud.

    4 people found this review helpful
    Verified Reviewer
    Original review: Aug. 24, 2022

    My loans were assumed by AES from Brazos (I had no choice) well over a decade ago. Since I graduated in 2002, I have repaid over $50k. And yet, somehow my principal balance (which began at around $80k) has somehow gone UP (!) since this all began. They have never been able to sufficiently explain HOW this is possible. I even appealed to the ombudsman. There is clearly something "fishy" going on. I can't believe that I'm likely going to die with my student loans and AES will probably then just try to pursue my poor children. And now, to rub salt in the wound, I won't even be able to take advantage of Biden's $10k student loan forgiveness program because my formerly Federal loans are no longer held directly by the government. Who knew consolidating your loans would turn out to be such a grave mistake in the end?

    18 people found this review helpful
    Verified Reviewer
    Original review: July 5, 2022

    They blatantly lied to an old widow and put her in a position I was forced to take over the note to protect her. These people are scum. I hope you never do business with them. They will lie. They cheat. They are frauds and I hope you stay as far away as you can. God bless. This review is as honest as civility will allow.

    14 people found this review helpful
    Verified Reviewer
    Original review: June 30, 2022

    They call me at work all the time, when I tell them not to, and they ask for me to call them back, but getting a hold of a person take 5+ minutes. Why do they get to call my direct line, but I get put on hold. They have no payment plans. Just 2-5 months of no payments, but when it starts back up it's more expensive. Much better places to use than this ** company.

    5 people found this review helpful
    Verified Reviewer
    Original review: June 27, 2022

    Was just told that my balance is 82k on an 80k loan that I have been paying on for well over 10 years. They just informed me that my payment is going up now. What?! Paid almost 60k on an 80k balance and my balance hasn't moved in over 10 years w/ no deferment. Can we get a class action lawsuit together?

    26 people found this review helpful
    Verified Reviewer
    Original review: March 11, 2022

    Avoid AES at all cost and avoid MEFA loans because they use AES to manage the loan after closing. Two daughters and 5 years of dealing with the mind numbing incompetence, frustration, hours of my life I will never get back. I could literally type for an hour citing dozens of examples, but the truth is every single time I ever had to call or have them do something it was a nightmare. We just refinanced with a different company and can not be happier to be finally free from the worst company I have ever had to deal with and now that my son is going to college, we will not even think of using MEFA or any company that pawns of the loans to AES.

    12 people found this review helpful
    Verified Reviewer
    Original review: Feb. 19, 2022

    I found in January that my loans were due. I assumed because I finished school that I had grace period. That was not the case. Not only were loans not on hold under the Cares Act, I wasn't given a grace period because you only get one per the life of the loan. So fast forward I re up my IDR. AES said it would take 7-14 business days (it took everyone else 3 days) however the minute I made a payment, the IDR was improved. Not cool.

    4 people found this review helpful
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    American Education Services Company Information

    Company Name:
    American Education Services
    1200 North 7th Street
    Postal Code:
    United States