American Education Services

Is American Education Services hurting your credit score?

Schedule a complimentary credit consultation to find out how you can eliminate inaccurate and questionable negative information from your credit report.

Who is American Education Services?

American Education Services (AES) is a student loan servicer located in Harrisburg, Pennsylvania. They collect government-backed student loan debt.

You may see AES listed on your credit report as a collections account. This can happen if you have defaulted on your federal student loans.

How can I remove American Education Services from my credit report?

Collections can hurt your credit score and remain on your credit report for up to seven years regardless of whether you pay it or not. Unfortunately, paying the collection could even lower your credit score.

However, it is possible to remove a collection account from your credit history before seven years.

(While debt collectors may not want this information to be widely known, it’s your right to be informed.)

Ready to Raise Your Credit Score?

Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.

Professional credit repair services work with people who want to get their credit back on track.

In addition to collections, they can help you to challenge other inaccurate, unfair, or unsubstantiated information on your credit report. These items include inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more.

Get started on the path to better credit today: Fill out the form for a free credit consultation.

American Education Services (AES) Contact Information


American Education Services
1200 N. 7th St.
Harrisburg, PA 17102

Mailing addresses:

American Education Services
P.O. Box 65093
Baltimore, MD 21264-5093

American Education Services
P.O. Box 2461
Harrisburg, PA 17105-2461

Phone number: (800) 233-0557

Should I contact or pay American Education Services?

It’s best to avoid speaking to a collection agency on the phone. And making payments on the debt will reset the clock. As a result, it could harm your credit rather than improve it. However, sometimes it’s better just to pay the collection account, especially if it’s new, and you’re certain that it’s legit.

The most effective way to deal with American Education Services this is to work with a credit repair professional. They help remove millions of negative items every year from companies like American Education Services on behalf of their clients.

Will American Education Services sue me or garnish my wages?

Whether American Education Services (AES) will sue you or garnish your wages largely hinges on the specifics of your situation, including the amount and type of debt, as well as the laws in your state.

AES is a loan servicer handling numerous types of student loans. When a borrower defaults on a loan, AES, like other loan servicers, has several strategies for debt recovery, one of which could be legal action.

For federal student loans, the U.S. Department of Education, which backs these loans, can garnish wages, tax refunds, and even Social Security benefits without a court order in case of a default. This is referred to as administrative wage garnishment.

For private loans, the lender or servicer usually needs to sue the borrower and win a court judgment to garnish wages. However, laws vary by state and by the type of debt.

American Education Services (AES) Complaints

Most collection agencies have numerous complaints filed against them with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most consumer complaints are about inaccurate reporting, harassment, or failure to verify a debt. If a debt collector is harassing you, you may want to consider filing a complaint.

You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). These rights include the ability to dispute credit reporting errors and to be treated fairly and respectfully by debt collectors.

Your Rights When Dealing with American Education Services

Debt collectors must abide by state and federal laws in the United States. For example, the Fair Debt Collection Practices Act prohibits a debt collector from using abusive, unfair, or deceptive practices. In addition, the FDCPA provides you with many rights to ensure that collection agencies don’t take advantage of you. In particular:

  • It is a violation of federal law for American Education Services to report inaccurate or incomplete information about you.
  • You have a legal right to request debt validation on an alleged debt. Send the collection agency a debt validation letter. By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate.
  • American Education Services may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
  • American Education Services must be honest about who they are and what they are attempting to do. They must notify you that they are a debt collection agency both orally and in writing.
  • American Education Services cannot threaten to have you arrested or imprisoned over unpaid debts.

Remove American Education Services From Your Credit Report Today!

Credit Saint can assist you in disputing AES collection accounts. With years of experience at their disposal, these professionals have a proven track record of effectively removing incorrect entries for countless clients.

If you’re tired of dealing with debt collectors and want to improve your credit, consider working with a trusted credit repair company.

They have helped many people in your situation. Fill out the form on their website or give them a call at (855) 281-1510 for a free credit consultation to see what they can do for you.

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