AES LogoEffective April 2018, MEFA’s loan servicing responsibility transitioned to American Education Services (AES). As your new loan servicing provider, AES will strive to make repaying your loans as simple and convenient as possible. For more information about this transfer, please visit our FAQs.

Create an Account

Even if you were registered for an account on Conduent’s website, you need to sign up for Account Access, AES’s online account management tool. Visit the AES website to get started.

Make a Loan Payment


Once you set up AES Account Access, you will be able to make a loan payment online. Simply sign into Account Access and select Payments and Billing to get started.

By Telephone

Call (800) 233-0557 to make a loan payment over the phone. AES’s 24/7 self-service phone feature allows you to schedule a one-time electronic payment from your checking or savings account.

By Mail

To make a payment by mail, include your AES account number on a check or money order made payable to AES and send the payment to:

American Education Services
Payment Center
Harrisburg, PA 17130-0001

If you were previously using a bill payer service, be sure to update the address to ensure payments are received.

Direct Debit

If you would like your loan payment automatically withdrawn from your bank account each month, you will need to complete an AES Electronic Funds Transfer (Direct Debit) Agreement. Sign into AES Account Access to access the agreement.

Contact Customer Service

  • If you have questions regarding your MEFA Loan(s), please call AES at (800) 233-0557 between 7:30 a.m. and 9:00 p.m ET, Monday through Friday.
  • You may also email us with questions about this transition to
  • For more information about this loan servicing transfer and repayment of your MEFA Loan, please visit our FAQs.