Go Green. Get Direct Debit.

The free and convenient way to make your student loan payments—on time, every month.

Never write checks again. Direct Debit allows you to authorize an electronic deduction from your checking or savings account on the same date each month. The transaction happens automatically, so payment is always on time, keeping your student loan account in good standing.

Even better, you may also qualify for an interest rate reduction when you use this service.

Benefit Details
Save money.
  • Direct Debit is a free service. And signing up may qualify you for a reduction in your interest rate.
  • There are no late fees even when you procrastinate. Because your loan payment is electronically withdrawn from your bank account, it's always on time.
  • You don't need to pay for checks or stamps.
Save time.
  • Your time is valuable. No more wasting it on writing checks.
  • The transaction is automatic, and you don't need to go to the post office to mail your payment.
Save trees.
  • No more paper bills mean you're helping the environment.
  • Going green helps cut pollution, reduce solid waste, and save wood, water, and energy.

Sign up for Direct Debit

If you're currently repaying loans and would like to use Direct Debit:

  1. Sign Up Now (PDF requires Adobe Reader)

  2. Complete, print, and sign the form to authorize the service.

  3. Mail the agreement form ONLY to:

    American Education Services
    P.O. Box 2057
    Harrisburg, PA 17105-2057

Loans in default?

If your loans are currently in default and you'd like to sign up for Direct Debit, please complete, sign, and submit the Direct Debit Default Collections Electronic Funds Transfer Agreement (PDF).

Need more information?

Visit the Direct Debit FAQ.

Direct Debit not for you?

Check out other convenient ways to pay.

Account Access
Direct Debit FAQ
Download Forms