American Education Services


Is American Education Services hurting your credit score?

Schedule a free consultation to learn how to 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 stay on your credit report for up to seven years, even if you pay them. Paying the collection might even lower your credit score.

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

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

Ready to Raise Your Credit Score?

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Professional credit repair services assist people in getting their credit back on track.

They can help challenge inaccurate, unfair, or unsubstantiated information on your credit report, including collections, 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?

Before contacting a collection agency, verify that the debt is legitimate and accurately reported. Credit reports can contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock and potentially harm your credit.

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

Many collection agencies have numerous complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most complaints are about inaccurate reporting, harassment, or failure to verify a debt. If you are being harassed, 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 disputing credit reporting errors and being treated fairly and respectfully by debt collectors.

Your Rights When Dealing with American Education Services

Debt collectors must follow state and federal laws. The Fair Debt Collection Practices Act (FDCPA) prohibits abusive, unfair, or deceptive practices and ensures your rights are protected:

  • 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. They have 30 days to prove the debt is yours and the amount is accurate.
  • American Education Services cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
  • American Education Services must be honest about who they are and their purpose. They must notify you in writing and verbally that they are a debt collection agency.
  • American Education Services cannot threaten to have you arrested or imprisoned for unpaid debts.

Remove American Education Services From Your Credit Report Today!

Credit Saint can help you dispute AES collection accounts. With over 15 years of experience, they have a proven track record of removing incorrect entries for many 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 call (855) 281-1510 for a free credit consultation to see what they can do for you.

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