• Home
• Plan for College
• Find Aid for School
• Manage Your Loans
  • Account Access
    • Your Account Number
    • Troubleshooting Guide
  • About Your Account
    • Billing
    • Interest Accrual
    • Repayment Options
    • Tax Info
  • Payment Methods
    • Direct Debit
    • Online Payment FAQ
    • Hints for Check Payments
  • Can't Make A Payment?
    • Change Your Due Date
    • Loan Default
    • Default Rehabilitation
    • Loan Discharge
    • Permanent Disability
  • Deferment & Forbearance
    • Deferment Forms
    • Forbearance Forms
  • Federal Loan Consolidation
    • Eligibility and Terms
  • Loan Payoff
  • Loan Forgiveness
    • Teacher Loan Forgiveness
  • Military Options
  • Interest Rate FAQ's
    • Higher Education Reconciliation Act of 2005
  • Interest Rates Chart
  • Glossary of Terms
  • AES Newsletters
• Financial Aid Products & Support for Schools
• Solutions for Lenders

Can't Make A Payment?

If you can't afford your student loan payments, we provide you with options that can help.

Options for Managing Your Payments

• Change your payment due date. Requesting a change to your due date can help ensure you have money in the bank when your monthly payment is due.
• Change your repayment plan. Our flexible repayment plans can help reduce your monthly payments or allow you to make interest only payments for a period of time.

What to Do if You Can't Make Any Payments

• See if a deferment or forbearance is right for you. Postponing your monthly payments through a deferment or forbearance may be the right choice to prevent your loan from entering default.

What to Do if You Have Already Missed Payments

• Find out how to prevent loan default. Take action today to prevent your loan from entering default and to protect your ability to obtain credit in the future.
• See if you qualify for loan rehabilitation. If your AES-guaranteed student loan has recently defaulted or is about to default, find out how to get back on track with our Default Loan Rehabilitation program.