Federal Student Loan Discharge For AES Guaranteed Educational Loans
Your Federal education loan may qualify for loan discharge if the loan was issued under the following conditions:
- Closed School Information
- False Certification of Ability to Benefit Information
- How to Apply for a False Certification (Disqualifying Status) Loan Discharge
- False Certification, Unauthorized Signature/Unauthorized Payment
- False Certification (Identity Theft)
- Unpaid Refund (Partial Discharge)
- Spouses and Parents of September 11, 2001 Victims Loan Discharge
If your loan is discharged, you will not owe any more payments on the loan and you will get a refund of payments you have made on the loan. Also, if the loan is discharged, the lender will tell credit-reporting agencies that the loan has been discharged and any adverse credit history resulting from nonpayment of the discharged loan should be deleted. In addition, you may be eligible to apply for future federal student financial aid.
If you have an inquiry concerning the loan discharge process, please email your question(s) to LoanDischarge@aesSuccess.org. We will research your inquiry and respond within 7-10 business days.
Please note: email is not a secure method of communication because it may be intercepted by third parties. Please do not include any sensitive or private information in your email correspondence directed to AES.
Closed School Information
You may be able to have your federal student loan debt discharged if your school closed while you were enrolled. You may qualify for loan discharge if you could not complete the program of study for which the loan was intended because the school closed. You must have been attending school within 90 days of the closure date or on an approved leave of absence when the school closed.
How to Apply for a Closed School Loan Discharge
To obtain a Closed School Loan Discharge Application, contact American Education Services:
- By mail: AES, Guaranty Compliance Services, Loan Discharge Unit, 1200 North Seventh Street, Harrisburg, PA 17102-1444
- By telephone: 1-800-692-7392, ext. 2676
- By email: LoanDischarge@aesSuccess.org
Or download and print the School Closure Loan Discharge Application (64 KB PDF).
Return your completed application to:
AES Guaranty Compliance Services
Loan Discharge Unit
1200 North Seventh Street
Harrisburg, PA 17102-1444
How to Obtain Academic and Financial Aid Records
If you are trying to locate your records from a closed school, you should contact the state licensing agency in the state in which the school was located to ask whether the state made arrangements to store the records. Academic and financial aid records may be useful in substantiating your claim for a loan discharge. You may need your academic records if you plan to attend another school and wish to have your course work at the closed school taken into consideration.
To obtain the telephone number of the state licensing agency in the state in which your school was located, contact AES at 1-800-692-7392, ext. 2676, or download a list of state licensing agencies (85 KB PDF).
Additional Information
Your loan cannot be discharged:
- If you have completed the program of study through a teach-out or by transferring academic credits or hours earned from the closed school to another school.
- Because of personal circumstances that caused you to withdraw more than 90 days before the school closed.
- If you are completing a comparable educational program at another school. If you complete a comparable program of study at another school after your loan is discharged, you may have to pay back the amount of the discharge.
- If you have not received a diploma or certificate but have completed all of the course work for the program.
To find the official school closure date of your school, contact AES at 1-800-692-7392, ext. 2676, or go to http://wdcrobcolp01.ed.gov/CFAPPS/FSA/closedschool/searchpage.cfm
False Certification of Ability to Benefit Information
You may qualify for loan discharge if the school that you attended falsely certified your ability to benefit from the education. In order to permit a student to borrow a Federal Family Education Loan Program loan, a school is required to certify that students who lack a high school diploma or GED have the ability to benefit from the training offered by the institution.
False certification of a student's eligibility occurs, for example, if the school failed to test the student's ability to benefit or conducted testing in an improper manner.
You may also be eligible if, at the time of enrollment, you had a physical condition, mental condition, or legal status or condition that would legally bar employment in your field of study.
How to Apply for a False Certification of Ability to Benefit Loan Discharge
To obtain a False Certification of Ability to Benefit Loan Discharge Application, contact American Education Services:
- By mail: AES, Guaranty Compliance Services, Loan Discharge Unit, 1200 North Seventh Street, Harrisburg, PA 17102-1444
- By telephone: 1-800-692-7392, ext. 2676
- By email: LoanDischarge@aesSuccess.org
Or download and print the False Certification of Ability to Benefit Loan Discharge Application (64 KB PDF).
Return your completed application to:
AES Guaranty Compliance Services
Loan Discharge Unit
1200 North Seventh Street
Harrisburg, PA 17102-1444
How to Apply for a False Certification (Disqualifying Status) Loan Discharge
To obtain a False Certification (Disqualifying Status) Loan Discharge Application, contact American Education Services:
- By mail: AES, Guaranty Compliance Services, Loan Discharge Unit, 1200 North Seventh Street, Harrisburg, PA 17102-1444
- By telephone: 1-800-692-7392, ext. 2676
- By email: LoanDischarge@aessuccess.org
Or download and print the False Certification (Disqualifying Status) Loan Discharge Application (64 KB PDF).
Return your completed application to:
AES Guaranty Compliance Services
Loan Discharge Unit
1200 North Seventh Street
Harrisburg, PA 17102-1444
How to Obtain Academic and Financial Aid Records
If you are trying to locate your records from a closed school, you should contact the state licensing agency in the state in which the school was located to ask whether the state made arrangements to store the records. Academic and financial aid records may be useful in substantiating your claim for a loan discharge. You may need your academic records if you plan to attend another school and wish to have your course work at the closed school taken into consideration.
To obtain the telephone number of the state licensing agency in the state in which your school was located, contact AES at 1-800-692-7392, ext. 2676, or view a list of state licensing agencies (85 KB PDF).
False Certification Unauthorized Signature/Unauthorized Payment Information
You may qualify for loan discharge if the school signed your name without your authorization on the loan application or promissory note and you did not attend class.
How to Apply for a False Certification Unauthorized Signature/Unauthorized Payment Loan Discharge
To obtain a False Certification Unauthorized Signature/Unauthorized Payment Loan Discharge Application, contact American Education Services:
- By mail: AES, Guaranty Compliance Services, Loan Discharge Unit, 1200 North Seventh Street, Harrisburg, PA 17102-1444
- By telephone: 1-800-692-7392, ext. 2676
- By email: LoanDischarge@aesSuccess.org
Or download and print the Unauthorized Signature/Unauthorized Payment Loan Discharge Application (66 KB PDF).
Return your completed application to:
AES Guaranty Compliance Services
Loan Discharge Unit
1200 North Seventh Street
Harrisburg, PA 17102-1444
False Certification as a Result of a Crime of Identity Theft
You may qualify for loan discharge if your loan was falsely certified as a result of a crime of identity theft.
How to Apply for a False Certification as a Result of a Crime of Identity Theft Loan Discharge
There is currently no federal application for requesting this discharge. You should contact American Education Services Loan Discharge Unit to discuss your situation. You will need to present evidence to show that Identity Theft occurred in this case.
Contact AES:
- By mail: Guaranty Compliance Services, Loan Discharge Unit, 1200 North Seventh Street, Harrisburg, PA 17102-1444
- By telephone: 1-800-692-7392, ext. 2676
- By email: LoanDischarge@aesSuccess.org
Unpaid Refund Information
You may qualify for a partial unpaid refund loan discharge of your student loan if your school failed to pay a tuition refund required under federal law if you withdrew during the refund period published by the school. Only the amount of the unpaid refund will be discharged. You may qualify for this refund whether the school is closed or opened.
How to Apply for an Unpaid Refund Loan Discharge
To obtain an Unpaid Refund Loan Discharge Application, contact American Education Services:
- By mail: AES, Guaranty Compliance Services, Loan Discharge Unit, 1200 North Seventh Street, Harrisburg, PA 17102-1444
- By telephone: 1-800-692-7392, ext. 2676
- By email: LoanDischarge@aesSuccess.org
Or download and print the Unpaid Refund Loan Discharge Application (73 KB PDF).
Return your completed application to:
AES Guaranty Compliance Services
Loan Discharge Unit
1200 North Seventh Street
Harrisburg, PA 17102-1444
How to Obtain Academic and Financial Aid Records
If you are trying to locate your records from a closed school, you should contact the state licensing agency in the state in which the school was located to ask whether the state made arrangements to store the records. Academic and financial aid records may be useful in substantiating your claim for a loan discharge. You may need your academic records if you plan to attend another school and wish to have your course work at the closed school taken into consideration.
To obtain the telephone number of the state licensing agency in the state in which your school was located, contact AES at 1-800-692-7392, ext. 2676, or view a list of state licensing agencies (85 KB PDF).
Spouses and Parents of 9/11/01 Victims Information
You may be able to have your federal student loan debt discharged if you are the spouse or parents of eligible public servants and other eligible victims of the September 11, 2001 terrorist attacks. If your spouse or son/daughter was an eligible public servant or eligible victim who died or became permanently and totally disabled due to injuries suffered in the terrorist attacks on September 11, 2001, you may be eligible to have loans made under the Federal Family Education Loan Program, the Federal Perkins Loan Program, and/or the William D. Ford Federal Direct Loan Program discharged by the United States Department of Education.
How to Apply for 9/11 Victims Loan Discharge
To obtain a Spouses and Parents of 9/11/01 Victims Loan Discharge Application, contact American Education Services:
- By mail: AES, Guaranty Compliance Services, Loan Discharge Unit, 1200 North Seventh Street, Harrisburg, PA 17102-1444
- By telephone: 1-800-692-7392, ext. 2676
- By email: LoanDischarge@aesSuccess.org
Or download and print the Spouses and Parents of 9/11/01 Victims Loan Discharge Application (90 KB PDF).
Return your completed application to:
AES Guaranty Compliance Services
Loan Discharge Unit
1200 North Seventh Street
Harrisburg, PA 17102-1444
- School Closure (64 KB PDF)
- False Certification of Ability to Benefit (64 KB PDF)
- False Certification (Disqualifying Status) (65 KB PDF)
- Unauthorized Signature/Unauthorized Payment (66 KB PDF)
- Unpaid Refund (73 KB PDF)
- Spouses and Parents of 9/11/01 Victims (90 KB PDF)