# aes student loans or any loan people chime in **URL:** \ **Category:** NYSpeed Off Topic\ **Created:** [December 13, 2011, 3:08pm UTC](https://forums.speedlife.net/t/aes-student-loans-or-any-loan-people-chime-in/219095 "2011-12-13T15:08:00Z")\ **Posts on this page:** 13\ **Page:** 1
**Author:** ![ImsloIkno](https://avatars.discourse-cdn.com/v4/letter/i/58956e/32.png) [@ImsloIkno](https://forums.speedlife.net/u/ImsloIkno)\ **Post date:** [December 13, 2011, 3:08pm UTC](https://forums.speedlife.net/t/aes-student-loans-or-any-loan-people-chime-in/219095/1 "2011-12-13T15:08:00Z")
does anybody else have american education services as student loans? they have been an absolute nightmare since day 1 of college… they call me and my cosigner to notify me that a payment is due… i have never been late with payments or missed any… they call me three to 4 times a day and when i answer its just white noise… they call and tell my cosigner that they should “get on me” about paying my bill on time… are their any laws or guidelines they have to follow for debt collection? ---
**Author:** ![Saxon](https://avatars.discourse-cdn.com/v4/letter/s/59ef9b/32.png) [@Saxon](https://forums.speedlife.net/u/Saxon)\ **Post date:** [December 13, 2011, 3:37pm UTC](https://forums.speedlife.net/t/aes-student-loans-or-any-loan-people-chime-in/219095/2 "2011-12-13T15:37:50Z")
they are a huge pita, i have them myself and it took talking to a couple managers so that I dont get calls, I pay extra every month and they are still crazy edited because damn autocorrect on iphone ---
**Author:** ![Hass](https://avatars.discourse-cdn.com/v4/letter/h/51bf81/32.png) [@Hass](https://forums.speedlife.net/u/Hass)\ **Post date:** [December 13, 2011, 3:38pm UTC](https://forums.speedlife.net/t/aes-student-loans-or-any-loan-people-chime-in/219095/3 "2011-12-13T15:38:05Z")
> [@ImsloIkno"](#): > > are **there** any laws or guidelines they have to follow for debt collection? Yes. > [@Saxon](#): > > they are a huge pita, i have them **myselves** and took talking to a couple managers so that I dont get calls, I pay extra every month and they are still crazy Lol, really? I hope your major doesn’t have anything to do with English. ---
**Author:** ![ImsloIkno](https://avatars.discourse-cdn.com/v4/letter/i/58956e/32.png) [@ImsloIkno](https://forums.speedlife.net/u/ImsloIkno)\ **Post date:** [December 13, 2011, 4:04pm UTC](https://forums.speedlife.net/t/aes-student-loans-or-any-loan-people-chime-in/219095/4 "2011-12-13T16:04:42Z")
its a forum… not an english mid term… ---
**Author:** ![Gus](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/gus/32/5112_2.png) [@Gus](https://forums.speedlife.net/u/Gus)\ **Post date:** [December 13, 2011, 4:58pm UTC](https://forums.speedlife.net/t/aes-student-loans-or-any-loan-people-chime-in/219095/5 "2011-12-13T16:58:31Z")
Hope your teachers have been on you since day one of college as well. I have AES and I have auto-deduct. My payment /month is only $90, but I’ve had zero problems… Actually easier to deal with than my Sallie Mae ---
**Author:** ![ImsloIkno](https://avatars.discourse-cdn.com/v4/letter/i/58956e/32.png) [@ImsloIkno](https://forums.speedlife.net/u/ImsloIkno)\ **Post date:** [December 13, 2011, 5:10pm UTC](https://forums.speedlife.net/t/aes-student-loans-or-any-loan-people-chime-in/219095/6 "2011-12-13T17:10:27Z")
well i also have nel-net and they have been great since day one. they even let me skip december last year without fees to help through christmas! ---
**Author:** ![livin4hockey](https://avatars.discourse-cdn.com/v4/letter/l/d2c977/32.png) [@livin4hockey](https://forums.speedlife.net/u/livin4hockey)\ **Post date:** [December 13, 2011, 7:19pm UTC](https://forums.speedlife.net/t/aes-student-loans-or-any-loan-people-chime-in/219095/7 "2011-12-13T19:19:30Z")
> [@Gus](#): > > Hope your teachers have been on you since day one of college as well. > > I have AES and I have auto-deduct. My payment /month is only $90, but I’ve had zero problems… Actually easier to deal with than my Sallie Mae Wife has AES, and they blow but not nearly as bad as Sallie Mae, they are the worst! I have mine through nelnet and they have been awesome for me. Although my interest rate sucks, but then again that’s just student loans in general. ---
**Author:** ![jay\_g](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/jay_g/32/111288_2.png) [@jay\_g](https://forums.speedlife.net/u/jay_g)\ **Post date:** [December 14, 2011, 5:24am UTC](https://forums.speedlife.net/t/aes-student-loans-or-any-loan-people-chime-in/219095/8 "2011-12-14T05:24:53Z")
Mine used to be with citibank, super easy to deal with, no issues at all. Sallie Mae bought all the loans from them, I was pissed. I haven’t had any issues yet but I’m sure something will come up. They always find some way to fuck you over. My interest rate is locked at 4.25%, cant wait to pay them off to get rid of them. ---
**Author:** ![ProgRocker](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/progrocker/32/5434_2.png) [@ProgRocker](https://forums.speedlife.net/u/ProgRocker)\ **Post date:** [December 14, 2011, 5:27am UTC](https://forums.speedlife.net/t/aes-student-loans-or-any-loan-people-chime-in/219095/9 "2011-12-14T05:27:33Z")
I have Sallie mae and Chase for mine. Never had problems with either and both are auto-deduct. No calls, occasional emails, pay everything on time. LOL @ myselves. I mean I know it’s the internet, but wtf is myselves. ---
**Author:** ![ieatpaint](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/ieatpaint/32/7311_2.png) [@ieatpaint](https://forums.speedlife.net/u/ieatpaint)\ **Post date:** [December 14, 2011, 5:58am UTC](https://forums.speedlife.net/t/aes-student-loans-or-any-loan-people-chime-in/219095/10 "2011-12-14T05:58:48Z")
![http://msnbcmedia3.msn.com/j/TODAY/Sections/Today%20Books/TodayBooksBIOGRAPHYANDMEMOIRS/2010/11-Nov/AllByMyselves.grid-4x2.jpg](http://msnbcmedia3.msn.com/j/TODAY/Sections/Today%20Books/TodayBooksBIOGRAPHYANDMEMOIRS/2010/11-Nov/AllByMyselves.grid-4x2.jpg) ---
**Author:** ![tpgsr](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/tpgsr/32/7374_2.png) [@tpgsr](https://forums.speedlife.net/u/tpgsr)\ **Post date:** [December 14, 2011, 6:03am UTC](https://forums.speedlife.net/t/aes-student-loans-or-any-loan-people-chime-in/219095/11 "2011-12-14T06:03:01Z")
My wife’s loans were part of that citi sally Mae bs. We got a call that they were late before they were due and she freaked out and paid them off. Student loans are the worst. Posted from tapatalk ---
**Author:** ![XwalkerX](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/xwalkerx/32/7598_2.png) [@XwalkerX](https://forums.speedlife.net/u/XwalkerX)\ **Post date:** [December 14, 2011, 7:45am UTC](https://forums.speedlife.net/t/aes-student-loans-or-any-loan-people-chime-in/219095/12 "2011-12-14T07:45:22Z")
i have nelnet, AES and federal consolidation and ive never had an issue with any of them… ---
**Author:** ![slo\_ride](https://avatars.discourse-cdn.com/v4/letter/s/49beb7/32.png) [@slo\_ride](https://forums.speedlife.net/u/slo_ride)\ **Post date:** [December 14, 2011, 9:42am UTC](https://forums.speedlife.net/t/aes-student-loans-or-any-loan-people-chime-in/219095/13 "2011-12-14T09:42:12Z")
i have AES and i don’t think i have ever received a single call from them.