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Have you received a letter, phone call, or lawsuit from American Education Services (AES) in connection with defaulted student loan debt? Have they forwarded your loans to third-party debt collectors or to a debt collection law firm?

Defenses to your debt may exist, and you may be able to fight, discharge, consolidate, rehabilitate, or even the settle the debt at a reduced amount and in monthly payments.

At the Law Office of Simon Goldenberg, PLLC, our lawyers help people resolve their debts. We defend consumers from debt lawsuits and protect them from unlawful collection activity. Even if your wages are being garnished, or your bank account is frozen, it may not be too late to get help. We are a debt relief law firm, and can advise you as to all legal options, which may include debt defense, debt disputing, debt settlement, and bankruptcy.

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Background Information on American Education Services

American Education Services (AES) was established in 1963 by the Pennsylvania Higher Education Assistance Agency (PHEAA) in order to provide federal and private student loans. They operate today in Harrisburg, Pennsylvania.

When a government-backed student loan becomes defaulted, the financial lender can submit a claim to the guarantor of the loan, such as Pennsylvania Higher Education Assistance Agency (PHEAA), who systematically purchases these loans. At that time, PHEAA Default Collections can begin to pursue actions on the account for immediate payment in full, which include student loan wage garnishment and seizure of income tax returns, also known as an offset of government entitlements.

American Education Services' operates numerous affiliated websites include, but are not limited to,, pheaa.ord,,, and Our lawyers have helped many client's resolve AES loans that are underwritten, guaranteed, or insured by National Collegiate Trust.

General Cases Against American Education Services*

In Jackson v. American Education Services, 754 F. Supp.2d 711, (D.N.J. 2010), a lawsuit was brought against American Education Services, alleging a violation of the Fair Debt Collection Practices Act of 1977 (FDCPA) when American Education Services brought a lawsuit against the Plaintiff after the statute of limitations had run.

In American Education Services v. Giraldo, 961 N.Y.S.2d 743, (Nassau County 2013), a lawsuit was brought against American Education Services, for violations of deceptive business practice, when American Education Services brought a lawsuit against Mr. Giraldo without a sufficient factual basis.

The Experience of our Student Loan Lawyers*

Our lawyers have assisted in the resolution of numerous student loan matters on behalf of our client's, including matters pertaining to American Education Services (AES). Where possible, our lawyers will communicate with the agents and collectors working on behalf of the creditor to explore the available resolution options. With private loans, it may be possible to negotiate the debt in a private student loan settlement at a reduced amount, sometimes resulting in a substantial savings compared to the actual balance. Although settlement may be possible on some federal student loans, our attorneys also explore the possibility of resolution through loan rehabilitation or consolidation.

You may have strong defenses to your debt. You have rights that protect you from wrongful debt collection practices under both state and federal law. Under Federal Law, consumers have strong rights under the Federal Fair Debt Collection Practices Act of 1977 (FDCPA), and the Fair Credit Reporting Act (FCRA). In New York City, consumers are entitled to additional protections under the New York administrative code. Our New York Debt Lawyers are well versed in the nuances of debt collection laws, and can advocate to help you achieve a resolution.

Are you interested in fighting, discharging or settling your debts?

*Each case is unique. Prior results do not guarantee future performance. The case summaries listed on this website are sample cases, they do not reflect the entirety of the cases our office may have addressed with that entity, they are not necessarily chosen to reflect our "average" results or most common results, and the listed results are not indicative of what might be achievable for another client. All listed figures are approximations, and despite our best efforts to maintain accuracy, may be subject to typographical error or other bona-fide human error, for which we make no warranties or guarantees. The federal cases that may be listed on this page against the creditor or collection entity are not purported to be brought by our law firm. Unless otherwise specified, these federal cases are unrelated to our law firm.

The information on this website is provided for general informational purposes only, it is not legal advice, and none of the information posted is intended as an accusation by our office of any wrongdoing by any entities.

If you're being faced with a debt collection matter with American Education Services, call our office for a free evaluation - (888) 301-0584

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