Consolidate College Debt with AES

One of Many Services Offered

**Please Note**: The Federal Family Education Loan Program has been replaced by the Direct Loan Program. As a result, a few of AES’s services may be discontinued.This page has been retained for archival reference.

American Educational Services (AES) provides a stable of federal and private student loans as well as federal and private consolidation loans. For customers with federal loans the AES consolidation loan provides repayment of federal guaranteed loans, such as the Stafford, Perkins, and PLUS loans, and returns a single loan that effectively cuts your monthly expenses in half.

Federal Consolidation Program as Offered by AES

The federal consolidation loan was added to the Federal Family Education Loan Program (FFELP) in consideration of the growing inability among Americans to handle their student loan debt. AES, an FFELP lender, is subject to some non-negotiable terms in their design of the federal consolidation loan. Federally regulated criteria include:

Additional terms of the AES federal consolidation loan include a number of borrower incentives. Added incentives allow lenders the flexibility to distinguish their loan program from that of competitors’:

AES Private Loan Consolidation

A private consolidation loan is subject to the terms established by the lender. AES’s Private Access Consolidation Loan requires borrowers be private loan customers of AES. Criteria for the loan include:

Private Loan Designed for Outside Borrowers

The Key Education Consolidation Loan is offered thanks to the partnership between AES and Key Bank. This particular consolidation loan is suited to borrowers who wish to use AES lending services, but have not previously held private loans with the company. Borrowers are subject credit checks and may opt to use a co-borrower. Other criteria include:

If you have questions about consolidating, talk directly to a loan advisor before you complete an application.