Loan servicer · complaint record
AES / PHEAA complaints
Filed under AES/PHEAA
Consumers have filed 16,598 complaints about AES / PHEAA since 2012, 307 of them in the last 12 months (-5% on the year before). It answered 100% on time and closed 15% with relief for the customer - more often than a typical loan servicer. The most common problem is dealing with your lender or servicer. It is the 8th most complained-about of 47 student loan servicers this year.
Strong response record. How it works
- Complaints on record
- 16,598
- Last 12 months
- 307
- Answered on time
- 100%
- Closed with relief
- 15%
- Last 30 days
- 12
- Rank
- #8 of 47
Since March 2012
-5% vs the year before
Industry: 68.4%
Typical loan servicer: 2%
Newest: Nov 4, 2026
Most complained-about student loan servicers
AES / PHEAA complaints by month
The busiest month was March 2022 (278 complaints). Complaints in the last 12 months are about level, 0% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How AES / PHEAA answered last 12 months
- Closed with monetary relief31%
- Closed with non-monetary relief4113.4%
- Closed with explanation25984.4%
- In progress41.3%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
- Answers on time45/45100% on time
- Relief for customers40/4014.5% closed with relief
- Complaint trend11/15-5% vs last year
What AES / PHEAA complaints are about
Top AES / PHEAA problems last 12 months
Inside "Dealing with your lender or servicer"
- Received bad information about your loan 2,850
- Trouble with how payments are being handled 2,333
- Problem with customer service 909
- Need information about your loan balance or loan terms 625
- Don't agree with the fees charged 458
- Keep getting calls about your loan 57
Where AES / PHEAA complaints come from
Most complaints: California (1,596), New York (1,196), Pennsylvania (1,172), Texas (1,154), Florida (1,118).
AES / PHEAA compared with other student loan servicers
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | Sallie MaeStudent loans | 93 | 1,112 | A |
| 2 | NavientStudent loans | 61 | 617 | C |
| 3 | Climb CreditStudent loans | 47 | 446 | D |
| 4 | AES / PHEAAStudent loans | 96 | 307 | A |
| 5 | Heartland Payment SystemsStudent loans | 36 | 216 | D |
| 6 | AscentStudent loans | 46 | 81 | D |
| 7 | Georgia Student Finance AuthorityStudent loans | 13 | 76 | F |
| 8 | EarnestStudent loans | 51 | 68 | C |
Compare side by side: AES / PHEAA vs Sallie Mae · AES / PHEAA vs Navient · AES / PHEAA vs Climb Credit · AES / PHEAA vs Heartland Payment Systems
What people say about AES / PHEAA
All experiencesNo experiences with AES / PHEAA yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest AES / PHEAA complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Nov 4, 2026 | Credit reporting | Incorrect information on your reportInformation is missing that should be on the report | Explained |
| Nov 3, 2026 | Student loans | Dealing with your lender or servicerNeed information about your loan balance or loan terms | Explained |
| Nov 2, 2026 | Student loans | Struggling to repay your loanCan't temporarily delay making payments | Fixed |
| Nov 1, 2026 | Student loans | Improper use of your reportReporting company used your report improperly | Explained |
| Oct 29, 2026 | Student loans | Struggling to repay your loanProblem lowering your monthly payments | In progress |
| Oct 29, 2026 | Credit reporting | Incorrect information on your reportAccount status incorrect | Explained |
| Oct 29, 2026 | Student loans | Dealing with your lender or servicerNeed information about your loan balance or loan terms | Explained |
| Oct 25, 2026 | Student loans | Issue with income share agreementDealing with provider of income share agreement | Explained |
| Oct 24, 2026 | Student loans | Dealing with your lender or servicerKeep getting calls about your loan | Explained |
| Oct 22, 2026 | Student loans | Struggling to repay your loanProblem with your payment plan | Explained |
| Oct 21, 2026 | Student loans | Dealing with your lender or servicerProblem with customer service | Explained |
| Oct 17, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
Questions about AES / PHEAA
How many complaints does AES / PHEAA have?
AES / PHEAA has 16,598 complaints on record since March 2012, including 307 in the last 12 months and 12 in the last 30 days. That makes it number 258 of every company by complaints this year.
Does AES / PHEAA respond to complaints?
Yes. AES / PHEAA answered 100% of its complaints on time (within 15 days) and closed 15% with relief - money back or a fix; 1% ended with money back. The rest were mostly closed with an explanation only. Its Response Score is 96/100 (grade A).
What do people complain about most with AES / PHEAA?
The most common problems are dealing with your lender or servicer (7,249), incorrect information on your report (2,016), struggling to repay your loan (1,239).
Is AES / PHEAA legit?
AES / PHEAA is a real company with a public complaint record: consumers have complained about it 16,598 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is AES / PHEAA legit? for the signals, red flags and how to protect yourself.
Are complaints about AES / PHEAA going up or down?
Roughly level. There were 307 complaints in the last 12 months against 323 in the 12 before (-5%). See every month.
How do I file a complaint against AES / PHEAA?
Complain to AES / PHEAA in writing first and keep a copy. If it isn't fixed, file an official complaint with the federal consumer financial regulator - the company must answer, usually within 15 days. Our step-by-step guide: how to file a complaint against a company. Then share your experience here so others know.
Where do most AES / PHEAA complaints come from?
Most come from California (1,596), New York (1,196), Pennsylvania (1,172). Big states file more complaints, so the map shows complaints per 100,000 people.
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
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