Review and analysis of over 382 complaints against AES/PHEAA
AES/PHEAA consumers have reported over 382 official complaints related to Can't repay my loan. Out of the 382 consumer complaints against AES/PHEAA, 18% were disputed by the consumer (i.e. the consumer was not happy with how AES/PHEAA responded to their complaint) and 100% were processed in a timely manner. 0% of consumer complaints against AES/PHEAA resulted in the consumer receiving monetary compensation (e.g. money, cash reimbursement, etc.) and 5% resulted in non-monetary compensation.
Submit a complaint with the Consumer Financial Protection Bureau today
File ComplaintStop harassing phone calls, know your rights and what you can do to stop them
Stop Calls
AES/PHEAA Student loan can't repay my loan can't get flexible payment options July 5, 2016 - I am currently on a long term modification with AES that is the servicer of the loan that was taken out by -/NCT. I am currently paying all my payments on time and in full and CAN MAKE THESE PAYMENTS. I called AES today because the payments are increasing. I told them these payments are to high and I can not make them and they told me they can not do anything to help me. I do n't know why they will not help there clients! I am willing to work with them and I advised them they will be going to default becasue I can not make more payments. They advised me I can not contact - becasue AES ha... |
AES/PHEAA Student loan can't repay my loan can't get flexible payment options July 2, 2016 - I am a - Veteran, -. -. All my federal loans were forgiven with no problems, but this private loan through AES/NCT has been a nightmare that wo n't end! I have talked to someone many of their representatives I have lost count ... everyone of them all agree that what their company is doing to me is wrong! But I can never get in contact with anyone that can make any decisions, my original loan was for $ - and have paid on it for about 10years and I still owe around $ -+ on it. And I can no longer afford to pay for it, it is either food for my - boys or this loan? So it 's not a... |
AES/PHEAA Student loan can't repay my loan can't temporarily postpone payments June 8, 2016 - I have not been receiving notices. I have sent in paperwork fromthe doctors because im - -. Im on -. When i was getting voice mails I was in contact with any agency that contacted me and each time without fail It was we have no record of getting a doctors note concerning you. After a bit of searching with a few respresentatives that took the time to look deep into wherever they looked one was found. my account was put in deferment. I kept getting calls and I kept calling and explaining. The next set of calls I have been receiving are for student loan forgiveness. then I call them back... |
AES/PHEAA Student loan can't repay my loan can't get flexible payment options June 7, 2016 - I was in school for a long time. I received an - degree and wanted to further my education. I went on and received a - degree and then went on to receive my - which again had another - within the program. I owe - in debt - for federal loans and - private loans. I should have not finished college. One of my private loans I had to make payments while I was in school. During this time my husband lost his job. So I was in a program which then I had to take private loans to manage everything. My last semester I was considered part time and My loans all became due. I had to take... |
AES/PHEAA Student loan can't repay my loan can't temporarily postpone payments June 3, 2016 - I requested payment relief, and it was granted to me. Terms were that I would pay $50.00 per month for the next 3 months, and then resume regular monthly payments. I have paid the - each month, but I have been recieving letters, multiple phone calls daily from a collection agency, and it has been reported on my credit report that I am past due on my payments. This is the second time this company has done this.... |
AES/PHEAA Student loan can't repay my loan can't decrease my monthly payments May 26, 2016 - I have several student loans owned by NCT and due to my worsening - - I have been unable to work for some time. I am receiving Social Security -, have been approved for a Federal - discharge, and approved by - for a full discharge of the student loans that they held. I asked NCT for a compassionate review of my private loans ( totaling about $41000.00 ) 2 months ago and they have n't responded.... |
AES/PHEAA Student loan can't repay my loan can't temporarily postpone payments May 18, 2016 - Student loans serviced by AES. Was told by - that loan could be deferred while in school, indefinitely : The loans were disbursed in between -/-/- and -/-/-, place into deferment while in school, and knocked out of school deferment while still enrolled in school in -/-/-. Loans Placed into forbearance for one year, as I was still in school and unemployed. Credit report thus far is perfect with these loans. Loans knocked out of forbearance deferment early, ( still unemployed, in school part-time ) and I was told to place loans into Unemployment deferral for up to a year. I fax... |
AES/PHEAA Student loan can't repay my loan can't decrease my monthly payments May 17, 2016 - These people are loan sharks! I am a -. My husband was the only - in my family working while I attended college. He left as soon as I finished. I have - daughters. I can not afford to make my loan payments and the degree I have is n't helping me. The only job I can get is to -, so I am returning to school to get a -. AES is ruining my life. They want me to pay them almost $600.00 a month with no job. I borrow money to pay them but I need to have my payments lowered while I am in college. They refuse to do that. I do n't know what to do. I feel as if I am suffocating. I do n't ... |
AES/PHEAA Student loan can't repay my loan can't decrease my monthly payments May 2, 2016 - I have been given little to no options on repaying my loans. I can not afford my current payment and there is no help! ... |
AES/PHEAA Student loan can't repay my loan can't get flexible payment options April 27, 2016 - I have a student loan with AES i have been paying on it since 2008. I have never missed a payment. I have never been late on a payment. even though I have never missed a payment my balance is still more than what I took my loan out for. When I have contacted AES on multiple occasions to ask for ways to get the balance down I have been told there is nothing they can do because my loan is paid up to date and not missing payments. I asked for a reduced interest rate to try to pay down the debt I was laughed at on the phone, and was told that the only way they will work with me is if i stop making... |
AES/PHEAA Student loan can't repay my loan can't get flexible payment options April 27, 2016 - I received loans in - to help with college. I have complained on the site before and and did not have any luck a few years ago, so I figured I would try again. I took loans out through American Education Services who is also National Collegiate Trust and was written in checks by -. I was interviewed over the phone and sent some forms signed my name and my money came. I took out loans 3 times due to misinformation at the college stating I would n't lose financial aid but I did. Otherwise I would have never taken out loans. I was sent to collections in -/-/- and have been there since.... |
AES/PHEAA Student loan can't repay my loan can't get flexible payment options April 26, 2016 - Called them several times to work out a reasonable payment option. They say that they ca n't do nothing to help me out. I am having finical difficulty at the moment. I was up to date on my loans for a good year, but now I am in a slump and they are not willing to help me out so we can resolve this issue. ... |
AES/PHEAA Student loan can't repay my loan can't temporarily postpone payments April 26, 2016 - I recently contacted American Education Services ( AES ) on - -, -. I spoke with customer service rep, -, with employee ID # -. My call was in reference to - loans that have now come into repayment status, and were formerly owned by National Collegiate Trust, but are now managed by AES. - other loan, formerly owned by - - -, and now managed by AES is current and the payment is manageable. I 'm currently unemployed, diligently seeking employment but have not yet received any job offers. I was last employed full-time in -. - was highly professional and dilig... |
AES/PHEAA Student loan can't repay my loan can't temporarily postpone payments April 18, 2016 - After paying $17000.00 of a $30000.00 student loan debt my life fell into extreme financial hardship. When I called the loan company, prior to default, explained the situation, then asked for temporary hardship deferment or any other programs that would keep me out of arrears I was told my only options were to pay or default. With no other option, I went into default. After filing bankruptcy the student loan could not be dismissed as ALL OTHER LOANS CAN. I was then suited for $40000.00 on a $30000.00 debt in which I had already paid $17000.00. I filed a complaint with the Consumer Fi... |
AES/PHEAA Student loan can't repay my loan can't decrease my monthly payments April 12, 2016 - When I was - ( - ) I applied for a student loan with my grandmother at the cosigner. After the four years, and having not graduated from college or benefiting from my student loan, I began to make payments on my loan. At first it was n't bad and was very affordable but over the past three years, my monthly rate has more than tripled. No matter what I have done or tried, they wont work with me. I have called nearly every month for a year, asking them every time if they could lower my rate and each time they have basically told me that they ca n't do anything and that it sucks to be me but... |
AES/PHEAA Student loan can't repay my loan can't decrease my monthly payments April 11, 2016 - I am making payments twice the amount owed every month and the amount deducted decreases my loan a few dollars. I am concerned that this loan will never be payed-off. ... |
AES/PHEAA Student loan can't repay my loan can't decrease my monthly payments April 8, 2016 - Simply put, my student loan payment is growing to such levels that it will soon be larger than my rent payment. I am constantly falling behind in payments due to the sheer size of my monthly payment. As I make one to catch up on last month, I become late on this months, so to speak. These people REFUSE to work out another temporary forbearance as I have already used mine up. But explain to me how having a forbearance, and a job out of college that pays poorly, prepares you to make $800.00 a month payments? Also after the sub prime mortgage meltdown, I could not find a well paying job for alm... |
AES/PHEAA Student loan can't repay my loan can't decrease my monthly payments April 6, 2016 - I had a private loan dispersed with National Collegiate Trust. There is not phone number to contact them or anything like that. I deal with American Education Services to pay my bill and apparently they give National Collegiate Trust the payment. I ca n't afford the payment and they are not working with me to lower my payment. My interest in 7 % and my loan is too high due to interest. the Original loan was taken out for $28000.00 and has now increased to $51000.00 They have doubled the interest and will not work with me. I have tried to work with them by paying some of the payment, howeve... |
AES/PHEAA Student loan can't repay my loan can't temporarily postpone payments March 29, 2016 - -/-/- I applied for a hardship economic deferment on every educational loan I possessed. This deferment was granted for the consolodated subsidized and unsubsidized loans adminstered by AES, but AES denied this deferment for - private signature loans they were administering on my behalf. As I was in - - outside of phone contact and with limited internet connection, I organized electronic communication to follow up with my loan deferment process as I would not be able to have access to standard postal letters. -/-/-, I was able to return to the United States and retrieve my p... |
AES/PHEAA Student loan can't repay my loan can't get flexible payment options March 28, 2016 - - -, 2009 I was granted a discharge for a Chapter - bankruptcy. I included - non-federal student loans in my Chapter - bankruptcy and was granted a discharge by a federal judge. - and American Education Services has continued to pursue payment from me for over six years. I paid what I could because they always threatened to report to collection agencies. I have been trying to repair my credit and therefore wanted to keep collections off my record. Many times I had to forbear the payment or decrease the amount, but I juggled to keep them from reporting to collection. I recentl... |
AES/PHEAA Student loan can't repay my loan can't get flexible payment options March 26, 2016 - I had some private student loan with - and then - transferred all of my student loan to a company that is called AES. I contacted AES to explain to them that i had just had a new baby and I am not paying that much money to be able to take care of - kids and myself and still pay over - a month. I have even asked if i can do something to lower my payment, like how i am - and i just keep getting told that they cant do anything for me and if i dont pay my bill then they will report it to my credit report. I feel as if they would like for me to be homeless with my - children inord... |
AES/PHEAA Student loan can't repay my loan can't get flexible payment options March 24, 2016 - I received a loan from - - -, which was backed by - -. Both companies went bankrupt one year later. I did n't receive loan information for several years, as it was being mailed to my parents home, not my current residence. When I tried to discuss my options, the company that took over the loan, American Educational Services, said that they had already put the loan in default, so I could start paying down my debt but at any moment the loan could go into default. The default notice was sent in -. I spoke to them personally for the first time in -. They will not talk to me ab... |
AES/PHEAA Student loan can't repay my loan can't decrease my monthly payments March 22, 2016 - I pay - per month for my loans. I can not afford this. The lender initially helped with income repayment and will no longer assist what so ever. ... |
AES/PHEAA Student loan can't repay my loan can't temporarily postpone payments March 18, 2016 - Student qualifies for temporary hardship forebearance as stated in American Education Services ( AES ) policies that allows 24 months in three-month increments. Student has applied for three 3-months and approved immediately. Student applied back in - -, 2016 for the fourth due to a mix up in the application form. Student applied electronically this time as suggested by AES ; however, student did not receive notification of the receipt until - -, 2016. Student called and inquired, immediately, upon receipt because loan is due - -, 2016. Student called again this a.m. to inqui... |
AES/PHEAA Student loan can't repay my loan can't decrease my monthly payments March 8, 2016 - I have numerous private student loans originating from 2003 along with federal student loans. I did n't finish school my first time around after becoming pregnant and quickly seeking a job to help assist in raising her. Trying to get out of my financial troubles I forged ahead to go back to school. My student loans in the meantime ran out of deferment and forbearance time period and became due while I was in school. Eventually, finishing school and finding a job and an apartment while caring for a child without assistance, I have always had the upward battle of trying to pay off my student loa... |
AES/PHEAA Student loan can't repay my loan can't temporarily postpone payments March 1, 2016 - I am currently unable to afford my debt due to going through a divorce and not having decent employment. I am working as a waitress part time, trying to find a teaching job in the area. I am on government assistance for health care and food stamps and with my income situation, I can hardly afford rent to support myself and my daughter, let alone student loans at the same time. ... |
AES/PHEAA Student loan can't repay my loan can't decrease my monthly payments February 18, 2016 - My mother has been paying this loan we took out together for about 8 years now. I am unable to pay anything towards it at this time and paid very little in the past so honestly I have not paid much attention to it and her payments until recently. The original amount borrowed was -. The school told us it was the best loan, cheapest and easiest to deal with. We have had no prior loan experience. And none of my other siblings attended college so we were completely new and in the dark about it and used the school financial adviser for our information. They told me, at just - yrs old and very... |
AES/PHEAA Student loan can't repay my loan can't decrease my monthly payments February 4, 2016 - I have almost - dollars in private student loans serviced through servicer AES and lender -. I make $15.00 an hour currently. The standard payment they wanted me to pay was around $860.00 a month. I can not afford that monthly payment indefinitely so I applied for their modified repayment plan -/-/-. They wanted my - most recent pay stubs so I sent them to them. I receive some correspondence some 10 business days later that they need my pay stubs again. I begrudgingly sent them more pay stubs and awaited a reply that was made ever longer by the holidays taking away business d... |
AES/PHEAA Student loan can't repay my loan can't decrease my monthly payments February 1, 2016 - I have been repaying on my private student loans for the last 6 years and when economic hardship fell upon my family, I had defaulted on - my smaller loans. The loan did get paid off but this has effected my credit score as well as my parents and when trying to talk with representatives from the private loan institutions no one is willing to talk or help take care of any of issues or terms of repayment to ease the monthly financial burden. There are no options and the debt burden on myself as well as my parents who are cosigners is effecting everything in our lives. When asked if the terms ... |
AES/PHEAA Student loan can't repay my loan can't get flexible payment options January 27, 2016 - I am currently on a modified payment plan that is very managable and I am able to pay ever month. I do not have any defaults with AES at the time becasue this plan is helping me. I called them today to see what my options are becasue I am able to pay this amount and keep them satisfied. They advised me that I have no options at the time and that after this year my payments will be going back to the normal amounts. I told them I will not and cn not afford that amount. They told me they can not do anything about it. I want to pay the loans but not a the crazy amount they want. There has to be so... |
AES/PHEAA Student loan can't repay my loan can't decrease my monthly payments January 22, 2016 - School : - University, - I am having issues with my loan servicer & bank. I have a private student loan financed by - - and serviced by American Education Services ( AES ). I was on a repayment plan with lower, affordable payments. When that repayment plan expired, my payments doubled and I was not able to afford them. I called several times and asked for other payment plan alternatives. Each time, they asked me a series of specific questions and were not transparent about the process. They were fishing for specific answers and if I did not respond with those answers they would den... |
AES/PHEAA Student loan can't repay my loan can't temporarily postpone payments January 20, 2016 - - University, American Education Services. Graduating in the great recession was difficult, dealing with AES is impossible. I just started - businesses and I wanted to postpone payments to get back on my feet. I 'd done this once before to catch up. In -, I 'd filled out the paperwork suggested by AES, faxed it in ( which is difficult, no one has a fax these days ). They said " that 's it you 're all set '' 3 months later I 'm getting collection calls at all hours of the day and night while my grandma was on - none the less. Thanks! Finally I just paid the money so they 'd stop cal... |
AES/PHEAA Student loan can't repay my loan can't get flexible payment options January 20, 2016 - My parents and I had no clue what we were doing when applying for college aid. I ended up with private student loans, which seems to have been the worst choice. I have a teaching degree and now work in public health. I have - different due dates for loans originally through AES but now have been sold many times. Their communication is despicable. I have no realistic way of consolidating these loans and would like some assistance/relief. ... |
AES/PHEAA Student loan can't repay my loan can't decrease my monthly payments January 13, 2016 - I am $30000.00 in student loan debt because I am the last of - children who all went to college. My brothers had to take out student loans for their education and used my parents as co-signors. When my turn came, I was forced to use - loans. Apparently they will not budge about deferment for - - or even helping with repayments, such as lowering payments since I will have a $0.00 income for the next TWO years! They are not willing to work with me at all even though the early communications I had with " loan counselors '' assured me I would receive a deferment/forbearance. They a... |
AES/PHEAA Student loan can't repay my loan can't temporarily postpone payments January 11, 2016 - Co-signer of loan not notified of non payment before loan turned over to collection agency. ... |
AES/PHEAA Student loan can't repay my loan can't temporarily postpone payments January 7, 2016 - I have a private loan from - school in - that I placed in deferment when I returned to - in - after several years of working and repayment on the loan. I received notice that my deferment would be ending on -/-/-, five months prior to my graduation date. I called the servicer to extend the deferment through my graduation. AES advised they were unwilling to extend my deferment despite verifying my enrollment as a full-time student. AES advised that my grace period would cover me through graduation though. I explained that it was not helpful because I want my grace period ... |
AES/PHEAA Student loan can't repay my loan can't decrease my monthly payments December 27, 2015 - I have been battling with AES since -/-/-. I informed them that due to the lack of hours at my current employer, I could no longer afford to pay $710.00 per month and I was currently in the process of obtaining a - job. I even offered an amount of roughly half the monthly amount ( which would be extremely pushing my monthly budget ). Most recently I have sent multiple letters to AES and their - party collection group - -, requesting that they send the original copies of all documents proving that this " debt '' is valid. The only responces I have received from AES is the cur... |
AES/PHEAA Student loan can't repay my loan can't temporarily postpone payments December 22, 2015 - American Education Services defaulted my - private school loan after speaking to several different representatives about a forbearance. The process was to file a forbearance letter, - from the previous year, and self certifying letter insisting that I was actively searching for a job. Since, all the job agencies were not within driving distance. A self certifying letter was viable. I provided all - several times. EVERY SINGLE TIME a representative said they left a note in the system on the account. That the loan would not be defaulted while the forbearance was being processed. But eve... |
AES/PHEAA Student loan can't repay my loan can't temporarily postpone payments December 9, 2015 - reported to collections early ... negatively impacting credit report AES student loans ... |
AES/PHEAA Student loan can't repay my loan can't decrease my monthly payments December 4, 2015 - Have been making payments to the company $190.00 & $210.00 a month is all I can afford as a teacher. I have begged and tried to get the monthly payment lowered to that any they are not working with me, no matter what even though Im paying them as much as I can. ( AES ) I am not trying to default on these loans, but I only make so much and with raising - small children my budget is not flexible. ... |
AES/PHEAA Student loan can't repay my loan can't decrease my monthly payments December 3, 2015 - I had been accepted into - - University in - -, -. I was an out-of-state student who lived in a small town in -. I was informed I would get a $5000.00 a semester scholarship -/-/- and about $1000.00 in a grant but I would have to come up with the rest of the money, myself, offering student loans both federal and private. I was not approved for much for federal loans but the private loans were pushed and accepted at $ - per semester and even $ -- $40000.00 for a couple of semesters with a co-signer. It started with - - then it went to - -, - and... |
AES/PHEAA Student loan can't repay my loan can't decrease my monthly payments November 28, 2015 - Second time I am contacting. My account is through AES. Risking defaulting on my loan because they wo n't work with me to come up with a payment arrangement I can handle for my income. I make $12000.00 a year right now. I have explained this, and they wo n't listen. Told them I am still looking for a job in my field. First time I contacted cfpb, AES sent me forbearance papers in the mail. Surprised, I signed them and mailed them back. No contact or communication from them, just papers. Today, I get a response on the forbearance..denied. Because I will not pay what they are demanding, $340.0... |
AES/PHEAA Student loan can't repay my loan can't get flexible payment options November 20, 2015 - My son took out a student loan from - - Bank -/-/-. He was attending - University in Ohio. - then sold it to American Education Services. I am the co-signer of that loan. -/-/- I received a letter from AES stating that the loan was delinquent and to bring the loan current I would need to submit $120.00. I sent the payment in on -. The check was cashed on - -. - was only working 1 to 2 days a week - in -, Ohio. He tried to get a deferment. We never heard from them. I never got a delinquent notice since -. In - I get a collection agency calling me.... |
AES/PHEAA Student loan can't repay my loan can't get flexible payment options November 18, 2015 - I submitted a complaint back in - against - - - who was trying to collect money for a student loan for - - - - in the amount of $15000.00. I opened this loan back in -/-/- with - - - not with the - - - -. I was paying them through American Education Services ... it was different company at first and then it changed to AES. I had been paying on this loan since -/-/- and the loan amount never changed. I never missed a payment or been late on a payment so technically the loan has been paid in full already. I did n't stop paying on the loan ... |
AES/PHEAA Student loan can't repay my loan can't decrease my monthly payments November 16, 2015 - American Education Servicesis making it impossible for me to pay my student loan, and live. My monthly payment is almost 60 % of my monthly income and with almost $150000.00 in student loans total, I am unable to make this payment in addition to all other bills. When trying to work with AES to lower my payment or manage pay this bill, I am met with an impossible number to just get caught up, let alone continue in good standing with these. They offer absolutely no options to help in repayment. ... |
AES/PHEAA Student loan can't repay my loan can't decrease my monthly payments November 10, 2015 - I am writing this letter to request an account review for my student loans serviced by American Education Services due to my current situation. This is my last and final request. I have met with a bankruptcy attorney regarding these loans, and I was informed that I do qualify for a hardship exception based on my - and limited - income. I am prepared to file for bankruptcy -/-/2016 if National Collegiate Trust does not move forward and make an exception and forgive these loans due to my -. I understand these loans do not have a forgiveness option. I did have other student loans with ... |
AES/PHEAA Student loan can't repay my loan can't temporarily postpone payments November 10, 2015 - In - I applied for a student loan of $20000.00 with my bank - and received the full amount. When I graduate in - after 6 months I started to make the minimum payments for this loan. In - the loan was taken over by another company called American Education Services. I continued to make my regular payments with this new loan company. In - I decided to return to school for - and sent in an application for forbearance. As a full time student overseas I would not have the income needed to make regular payments on the loan. I sent proof of enrollment and all the necessary documen... |
AES/PHEAA Student loan can't repay my loan can't decrease my monthly payments November 9, 2015 - I attended - - located in -, PA from -/-/- to -/-/-. In order to attend - - I received private student loans through the National Collegiate Trust. Upon graduation in -/-/-, I have experienced difficulty paying my loans back due to poor wages and the birth of a - child. However, I have done my best to keep NCT in the loop. At this time I am currently back in school full-time in order to obtain a better job so that I may pay back all of my student loans. All of my other student loans are currently in forbearance. I am not working, I am in school full-time. NCT h... |
AES/PHEAA Student loan can't repay my loan can't decrease my monthly payments November 5, 2015 - I believe this company AES is not acting in my best interest. I went to - College in - and - College in -. I have been struggling since I left college with just my - degree, I asked this AES company for help at the most desperate time of my life and feel as though they took advantage of my situation by altering my original balance and adding unjustified fees to balloon my balance. As of today I am still struggling, but I have paid this company $17000.00 since leaving college in 2010 with an original balance of $22000.00 and this company AES has ballooned my balance to $3100... |
AES/PHEAA Student loan can't repay my loan can't temporarily postpone payments November 4, 2015 - I graduated from - college in -/-/-. I was not offered any student aid I was only - at the time was unsure of exactly what I was getting myself into. I had - private loans taken out from American education services. I graduated and could n't find a job in my field until two yrs later. I was able to finally start working as a medical - after 2 yrs of deferments. I started working at an - I was able to get my foot in the door due to knowing the - supervisor. I 've been paying on my student loans since -/-/- I was given a loan from AES for - I 've paid a total of -... |
AES/PHEAA Student loan can't repay my loan can't decrease my monthly payments November 3, 2015 - Got a private loan for School ( - University ) after graduation could not find a job. Upon finding a job as a -, still did not make enough to pay for the private loan. After - for 3 years on and off, was unemployed again. Have contacted private loan company to lower payments, since I currently have a full time job, but they stated that they have done all they can and can not lower payment. Mother co-signed but since Dad can not work his original job and had to take a lower paying job, she is having problems trying to help me pay as well. Dad went from a $- an hour job, to a $-... |
AES/PHEAA Student loan can't repay my loan can't decrease my monthly payments October 30, 2015 - I took out a loan for my education in - 2007, it was a student loan with my aunt as a co-signer. My loan is currently past due and I am not working, I have repeatedly spoken to - as well as AES about my options with payments while I am unemployed however they keep telling me that the investor has no options. I asked them to send me the original loan documents that I signed with - when I requested the loan and realized that my loan is at a much higher interest rate than a classmate who is male and white, and had a credit score that was significantly lower than mine was at the time. ... |
AES/PHEAA Student loan can't repay my loan can't decrease my monthly payments October 30, 2015 - I currently have $110000.00 in debt that is handled by AES. When I have called in the past to get a reduction in monthly payments, they have told me that my only option is forbearance or to continue paying at the current amount. I pay $630.00 a month to AES. I also pay $780.00 /month to - and $160.00 to my federal loans. I can not afford payments as my financial situation has changed and I have to pay rent and household bills. If there is any relief that can be provided, it would be greatly appreciated. My financial situation will unlikely get better over time. ... |
AES/PHEAA Student loan can't repay my loan can't decrease my monthly payments October 22, 2015 - My undergraduate debt is $170000.00 and I am making monthly payments of $1500.00 a month. I can not afford to live on my own ( living with parents at the age of - ), I do n't know that this will ever be possible. $60000.00 of that money at a 12 % interest, making it almost impossible to try decrease the principal. I make $ - /year. I graduated from Univ. - in -/-/-. I have tried to refinance my loans at lower interest rates but I keep on being told that I have too much debt to refinance - I have made all of my payments on time - I did go into forbearance for 9 months in -/... |
AES/PHEAA Student loan can't repay my loan October 6, 2015 - Private lender, expecting payments of - a month. When I only make - a year. Spoke with lender, told her I was still interviewing for a higher paying postion that this payment is outside of my income bracket. She refused to listen and said that I am expected to make the payment of $340.00, said she could n't make any payment changes. We both got irate and hung up. I am not saying I will not pay, I just need a lower payment ... and she did n't seem to understand that. ... |
AES/PHEAA Student loan can't repay my loan October 6, 2015 - I attended - University in - -, MI. My first loans were through AES and while I have - other private lenders and - federal lender ( - total ) AES ( American Education Services ) has given me nothing but grief. I am recently unemployed and called them while my account was in good standing to hear my forbearance/deferment options. The person I spoke with told me - of my - accounts could be put on forbearance which would bring my bill to - dollars less a month. I filled out all the paperwork as well as my co-signer and it 's been well over a month with no answer. I have... |
AES/PHEAA Student loan can't repay my loan September 22, 2015 - I took a private loan out during my undergraduate courses. The original loan was for approximately $12000.00. The original loan was taken -/-/- and I started to make payments -/-/-. As of this date I am still at $16000.00. This does not make any sense to me as I have made consistent payments since that time. Additionally, I made a payment for my monthly bill before the auto deduction occurs due to moving and wanting to ensure that my payment was made. They still took out the auto deduction causing me to overdraw my bank account and receiving additional NSF charges. I would like f... |
AES/PHEAA Student loan can't repay my loan September 21, 2015 - After being injured - on the job, I went back to school and my mom co-signed on private student loans - - - - - - - -. I had no problem paying the monthly bills until my mom died last year, 2014. I wrote to AES/NCT repeatedly, contacted the original lender, -, paid every amount third party collection agencies, such as -, -, asked. AES/NCT refused to extend a reduced payment plan that enabled me to pay my rent, bills, buy food, and pay AES. They said NCT refused ; however, when asked, AES said NCT does not hold the original loans, they do. They referred to NC... |
AES/PHEAA Student loan can't repay my loan September 8, 2015 - Good morning, I have tried to apply for a decrease in payments with American Education Services. I called mulitiple times and I was told in - I was approved for a $50.00 payment but when calling in - to make a payment I was told by a representative the request was denied. I told the rep I didnt understand because I was told I was approved. I can not afford the high payments given by AES and this company continues not to make this easy. I am a single parent receiving food stamps and still works a full time job and I need some help. This situation has caused me to be hospitalized in -... |
AES/PHEAA Student loan can't repay my loan September 4, 2015 - I am really hurting financially and have - - - - - -. The doctors are researching other issues. I am unemployed and living with my parents who are on social security and in their - 's with serious health problems. I filled out an application for the RP program and sent it with - checks. They have not posted it yet and I am getting collection calls. - from an agency that I have never heard of. The point is that - of my loans is with the National Collegiate Trust. They buy and sell loans, I find this to be unethical. Well they can not give me my original promissory ... |