AES Logo American Education Services (AES) handles all loan servicing responsibilities for MEFA Loans. As our loan servicing provider, AES strives to make repaying your loans as simple and convenient as possible.

Create an Account

To manage your MEFA Loan account online, you need to sign up for Account Access, AES’s online account management tool. Visit the AES website to get started. Each borrower on a loan can and should establish his or her own Account Access username and password in order to view information specific to his or her loans. Parents can establish a single account on Account Access to view information on all of their loans even if they have multiple children.

Access Your Account

After you create an account online, you can sign in anytime to access your information.

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

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If you would like your loan payment automatically withdrawn from your bank account each month, you will need to complete an AES Electronic Funds Transfer (Direct Debit) Agreement.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