Billing FAQ

General

What is an interest notice?

You receive an interest notice—instead of a bill—if your loan is in deferment, forbearance, or grace.

An interest notice differs from a bill because you're not required to make a payment. However, making payments on your interest notices can minimize the amount of interest that will capitalize (be added to your current principal balance) when your account enters repayment.

What is capitalization of interest?

It's the addition of outstanding accrued interest to the current principal balance of your loan.

Capitalization of interest results in a higher principal balance and additional finance charges over the course of repayment. Because of capitalization, your monthly payment amount may also increase.

What should I do if I lose my paper bill?

Sign in to Account Access, our secure website, to get your payment amount. You can make a payment online while in Account Access, or you can mail a check or money order to:

American Education Services (AES)
Harrisburg, PA 17130-0001

Whom should I contact if I have questions about my bill?

Please contact Loan Servicing or Graduate and Professional Services if you have questions about your federal or private student loan bills. (The name of your servicing center appears on your bill.)

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Paperless Billing (eBilling)

What is eBilling?

Electronic billing (eBilling) notices are monthly emails reminding you it's time to pay your student loan bill. So instead of getting a paper bill in the mail every month, you'll get a convenient email reminder in your inbox.

And don't worry. eBilling is safe. We don't include billing details or personal account information, just a link that lets you securely sign in to pay your bill online.

Why should I sign up for eBilling?

eBilling's paperless payment reminders are:

  • Convenient—A direct link to sign in to Account Access allows you to your bill quickly.
  • Reliable—Monthly emails remind you when your payment is due, so you don't need to worry about losing your bill.
  • Safe—eBilling notices do not include billing details or account information, just a direct link to sign in and securely pay your bill online.
  • Green—eBilling reduces clutter and is better for the environment. Go Green

How do I sign up for eBilling?

By default, we mail all student loan bills and interest notices unless you change your billing preferences. But it's easy to switch from paper statements to eBilling:

  1. Sign in to Account Access, our secure website
  2. Go to Payments & Billing and select "Billing Preferences/eBilling" located under Payment Tools.
  3. Choose the "Edit Bill Preferences" button
  4. Select "Yes" and provide the email address to which we should send your eBilling reminders.

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Account Access
Username:
Where Do I Enter My Password?

Create account
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Forgot username

Go paperless with eBilling.

Paperless billing notices (eBills):

  • Remind you via email when payment is due.
  • Provide a direct link to sign in to your account, making it easy to pay online.

To sign up for eBilling:

  1. Sign in above.
  2. Go to Payments & Billing and select Billing Preferences/eBilling.

Online Tools