Charleston Student Loan DebtHave you been contacted by American Education Services (AES) or a third-party collector about your student loans? You may have received a debt collection letter, demanding phone calls, or even a lawsuit against you in court. If you’re unsure of how to proceed after they’ve contacted you, call a skilled Charleston student loan lawyer from Steadman Law Firm at 843-442-8670. We will evaluate your situation as well as help you understand your legal options.

What Is American Education Services?

AES is a federal and private student loan company that operates in Harrisburg, Pennsylvania. The company was originally formed in 1963 by the Pennsylvania Higher Education Association Agency (PHEAA). AES has several websites, including the following:


American Education Services handles many government-backed student loans as well as privately held student loans. National Collegiate Trust (NCT) often underwrites, guarantees, and insures AES loans.

What Happens If You Don’t Pay an American Education Services Student Loan?

When a debtor does not pay one of these loans, it goes into default. A defaulted student loan may be transferred by the lender to the guarantor of the loan, which may then purchase the loan. Either the lender, guarantor, or a third party may initiate debt collection actions. Many different companies handle collections for American Education Services, including both PHEAA and NCT.

Student loan collectors may take many steps to recover debts on defaulted loans. They may garnish your wages, freeze your bank accounts, or file a lawsuit against you in court. It’s important to seek legal assistance from a skilled student loan debt lawyer if American Education Services or related companies is pursuing you. The student loan attorneys at Steadman Law Firm have helped many people successfully resolve student loan debts as well as stop unlawful collection activity.

Court Cases Against American Education Services

As an unscrupulous student loan provider and aggressive debt collector, American Education Services has been sued by consumers whose rights were violated by the company. If you feel that they have violated your rights, you should contact a student loan lawyer as soon as possible. We can address the situation and help you find a path forward through student loan debt.

  • Jackson v. American Education Services, 754 F.Supp.2d 711 (D.N.J. 2010) – In this lawsuit, the plaintiffs alleged that AES violated the Fair Debt Collection Practices Act of 1977 (FDCPA) because the company brought a lawsuit against the plaintiff after the time limit, or statute of limitations, had run for this type of lawsuit.
  • American Education Services v. Giraldo, 961 N.Y.S.2d 743 (Nassau County 2013) – This lawsuit alleged that AES took part in deceptive business practices because it brought a lawsuit against the plaintiff without sufficient factual basis.

American Education Services often files lawsuits against debtors. However, those lawsuits often violate state or federal law because they are not timely or there is no cause. If AES or a related company has filed a lawsuit against you, contact Steadman Law Firm right away. We will immediately assess the situation and then file the necessary paperwork in court on your behalf.

You Have Options When Dealing With American Education Services

If AES is contacting you about student loan debt, you may have options for fighting, discharging, or settling your debt. AES or related companies may be threatening you, garnishing your wages, or freezing your bank accounts. We can help you stop debt collection and creditor harassment right away. The legal process can be complex. You need a skilled North Charleston Student loan attorney with significant experience fighting large companies like AES in court. Student loan companies will try to take advantage of you. We can help. Call Steadman Law Firm today at 843-442-8670.