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IMPORTANT UPDATES:

Biden-Harris Administration's Student Debt Relief Announcement

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The Biden-Harris Administration announced on August 24, 2022, that up to $20,000
is being provided in federal student loan debt-cancellation for loans held by
the U.S. Department of Education (ED). We will continue to update our website
with information as we receive it and provide answers to commonly asked
questions. For additional information, visit One-Time Student Loan Debt Relief
and U.S. Department of Education Subscriptions to sign up for Federal Student
Loan Borrower Updates.

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MANAGE YOUR LOANS

Be smart and stay smart when it comes to repaying your student loans.
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SOME OF YOUR LOANS MAY QUALIFY FOR PUBLIC SERVICE LOAN FORGIVENESS

IMPORTANT UPDATE: On October 6, 2021, the Department of Education announced
certain improvements to the Public Service Loan Forgiveness (PSLF) program,
which include waivers of certain program requirements that will be available
temporarily through October 31, 2022. For more information on this limited PSLF
waiver, including any actions you may need to take, visit
StudentAid.gov/pslfwaiver.

Get answers to common questions about the limited PSLF waiver.


IDR PROGRAM CHANGES
On April 19, 2022, the U.S. Department of Education (ED) announced several
changes and updates related to Income-Driven Repayment (IDR) plans to include
adjustments to borrower accounts, several one-time loan forgiveness actions, and
new policies. AES services commercially held Federal Family Education Loan
Program (FFELP) Loans. If you wish to benefit from the recent changes you will
need to consolidate your loans into a Direct Consolidation loan before ED
completes the implementation of the changes, which is estimated to be no sooner
than January 1, 2023. For more information, please visit StudentAid.gov.


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STUDENT LOAN RELIEF PROGRAMS

Get details about possible options available for student loan borrowers.
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REPAYING YOUR LOANS


Convenient, flexible options make it easy to pay back your student loan.
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TROUBLE PAYING


If you can't afford your student loan payments, don't wait until you fall behind
to seek assistance. We offer options that can help.
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YOUR ACCOUNT


We make it simple for you to understand and manage your account, so you'll have
more time to focus on the other priorities in your life.
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GOOD TO KNOW

 * Paying more each month? Target these payments however you want!
 * Explore repayment plan options that could lower your monthly payments!
 * Learn why you shouldn't pay for assistance with your loans.


LOAN DEFAULT

Get all the information you need to get your account out of default and back on
track!



 * What does Default mean?
 * What should I do if my student loan defaults?
 * What consequences can occur as a result of non-payment?

See All Default FAQ


BEWARE OF SCAMS

Protect yourself from "Debt Relief" Organizations.
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LOAN PAYOFF

Find out how to make that final payment and put your student loans behind you.
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SERVICEMEMBERS

Find out what special benefits are available for you.
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© Pennsylvania Higher Education Assistance Agency, 2018-2022. (NMLS# 1619466
NMLS Consumer Access). All Rights Reserved.

PHEAA conducts its student loan servicing operations commercially as American
Education Services (AES).

 * American Education Services, 1200 N. 7th St., Harrisburg, PA
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 * 1-800-233-0557