The American Education Services has made some changes to its policies so that it can decrease the churn and overall pressure of being a personal lender. The change in policy has occurred due the policy change in its parent company which is PHEAA. The PHEAA has decided to temporarily suspend their ownership and rights of being an official lender in the Federal Family Educational Loan Program (FFELP). Although, the cases that are currently with AES will not go through any changes.