Go Green. Get Direct Debit.

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

Instead of writing checks, 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.

Apply for Direct Debit

If you're currently repaying loans and would like to participate:

  1. Download and Print the application (629 KB PDF)

  2. Complete and sign the application to authorize the service

  3. Mail your application to:

    American Education Services Direct Debit
    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 Default Direct Debit Authorization Form (82 KB PDF).

Need more information?

Visit the Direct Debit FAQ.

Direct Debit not for you?

Check out other convenient loan payment methods.

Benefit Details
Save money.
  • Direct Debit is a free service. And, signing up may qualify you for a reduction in your interest rate.
  • No late fees even when you procrastinate. Since your loan payment is electronically withdrawn from your bank account, it's always on time.
  • You won't need to pay for checks or worry about having stamps.
Save time.
  • Your time is valuable. No more wasting it on writing checks.
  • The transaction is automatic, so there's no need to make a trip 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.