Loan Payoff

Steps to Pay Your Loan in Full

  For Loans Not in Default For Loans in Default
Step 1. Call to get your official payoff amount. 1-800-233-0557 (toll-free U.S. and Canada) 1-800-233-0751 (toll-free U.S. and Canada)
Step 2. Include the necessary information on your check or money order.
  • Your official payoff amount
  • The account number or your Social Security number—If you are a co-signer or endorser, please include the borrower's account number (to prevent delays in processing).
  • The loan(s) that the payment applies to
  • Your official payoff amount
  • The account number or your Social Security number—If you are a co-signer or endorser, please include the borrower's account number (to prevent delays in processing).
  • The loan(s) that the payment applies to
Step 3. Mail your payment to the correct address. AES—Paid in Full
P.O. Box 2251
Harrisburg, PA 17105-2251 		PHEAA Default Collections
P.O. Box 8147
Harrisburg, PA 17105-8147
Step 4. Find answers to your questions, if you have any. By phone:
1-800-233-0557

By email:
For undergraduate loans: aescs@aesSuccess.org

For graduate, professional, or alternative loans: aesgs@aesSuccess.org		 By phone:
1-800-233-0751

By email: default@pheaa.org

Please note: Email is not a secure method of communication because it may be intercepted by third parties. Please do not include any sensitive or private information in your email correspondence to AES or PHEAA.

Important

  • We must receive your payment within 10 calendar days of the date you call for your official payoff amount.
  • If we receive your payment after 10 calendar days, it may not satisfy the outstanding principal and interest. We will return your payment, and you will need to call for a new payoff amount.
  • Daily interest will continue to accrue until we receive a payment that satisfies the official payoff amount.
  • If you are currently on Direct Debit, and your final payment is less than your regular monthly withdrawal amount, this payment will be adjusted to only debit the remaining amount due.
Account Access