Repay Your MEFA Loans

If you are experiencing economic hardship due to COVID-19, we have relief options available. Please view our FAQs for more information.

Create an Account

To manage your MEFA Loan account online, you need to sign up for Account Access, AES's online account management tool. Visit the AES website to get started. Each borrower on a loan can and should establish his or her own Account Access username and password in order to view information specific to his or her MEFA Loans. Parents can establish a single account on Account Access to view information on all of their MEFA Loans even if they have multiple children.

Access Your Account

After you create an account online, you can sign in anytime to access your information.

Make a MEFA Loan Payment

Online
Once you set up AES Account Access, you will be able to make a MEFA Loan payment online. Simply sign into Account Access and select Payments and Billing to get started.

By Telephone
Call (800) 233-0557 to make a MEFA Loan payment over the phone. AES's 24/7 self-service phone feature allows you to schedule a one-time electronic payment from your checking or savings account.

By Mail
To make a MEFA Loan payment by mail, include your AES account number on a check or money order made payable to AES and send the payment to:

American Education Services
PO Box 65093
Baltimore, Maryland 21264-5093

Direct Debit
If you would like your MEFA Loan payment automatically withdrawn from your bank account each month, you will need to complete an AES Electronic Funds Transfer (Direct Debit) Agreement. Sign into AES Account Access to access the agreement.

Contact Customer Service

If you have questions regarding your MEFA Loan(s), please call AES at (800) 233-0557 between 7:30 a.m. and 9:00 p.m ET, Monday through Friday.