Loan Delinquency

If you’ve fallen behind on your student loan, it’s important that we work together to resolve the delinquency before the loan defaults. Default occurs on a federal student loan after 270 days of delinquency and may include severe consequences such as immediate payment of the balance in full, collection fees and reporting to consumer reporting agencies.

For private education loans, each lender has specific guidelines to determine when a loan defaults or is reported to consumer reporting agencies.

If You Want to Avoid Default

If you’ve missed payments on your student loans, please contact us. Our loan counselors are here to help!

Disputing a Negative Credit Report

Download, print, and mail the Direct Credit Dispute Form (PDF) to:

AES Credit
P.O. Box 61047
Harrisburg, PA 17106-1047

Or write to us at the address above with the following information:

• Your full name, address, and account number
• Identification of the specific credit report tradeline(s) disputed and details regarding the reason for the dispute. Also, enclose any supporting documentation relevant to the dispute.

NOTE: If you don't have your account number, sign in to Account Access to obtain it.