Skip to Account Sign In Skip to Site Menu Skip to Footer Menu About PHEAA Created in 1963 by the Pennsylvania General Assembly, the Pennsylvania Higher Education Assistance Agency (PHEAA) has evolved into one of the nation's leading student aid organizations. Today, PHEAA is a national provider of student financial aid services, serving millions of students and thousands of schools through its loan guaranty, loan servicing, financial aid processing, outreach, and other student aid programs. PHEAA's earnings are used to support its public service mission and to pay its operating costs, including administration of the PA State Grant and other state-funded student aid programs. PHEAA continues to devote its energy, resources, and imagination to developing innovative ways to ease the financial burden of higher education for students, families, schools, and taxpayers. PHEAA employees are encouraged to demonstrate four core values in everything that they do: Customer Centric, Commitment to Respect, Citizenship, and Courage to Evolve. These core values were adopted to support our mission, align business decisions, shape our culture, and help ensure that employees are working toward the same goals. PHEAA conducts its student loan servicing operations nationally as FedLoan Servicing and American Education Services (AES). PHEAA operates its digital technology division as Avereo. About AES AES was created to guarantee and service a variety of Federal Family Education Loan Program (FFELP) and private (alternative) student loan products for lending partners throughout the nation. AES is a national leader in providing quality customer service to millions of student loan borrowers through its highly trained and experienced customer service representatives. About FedLoan Servicing Building on PHEAA's 50-plus years of student aid experience, FedLoan Servicing was established to support the U.S. Department of Education's ability to service student loans owned by the federal government. FedLoan Servicing is one of a limited number of organizations approved by the Department of Education to service these loans and is dedicated to supporting borrowers with easy and convenient ways to manage their student loans. About Avereo Avereo is a world-class Software-as-a-Service (SaaS) and Platform-as-a-Service (PaaS) provider dedicated to innovating digital technology solutions for companies and organizations operating in the nation’s highly-competitive education and finance sectors. Avereo is quickly becoming a leading provider of technology, improving processes and experiences for our clients who manage billions of dollars in student loan assets for millions of customers. Our Websites PHEAA American Education Services FedLoan Servicing Avereo You Can Deal With It EducationPlanner My Smart Borrowing Our Mission Providing affordable access to higher education. Our Vision To be a respected leader in higher education technology and student aid, devoting our energy, resources, and imagination to helping current and future generations of students achieve their educational goals. Grants PA State Grant Program Loans PA Forward Funding Opportunities PA Student Loan Relief for Nurses Program Other Educational Aid PA State Work-Study Program PA Targeted Industry Program Aid for Military & PA National Guard Loan Forgiveness PA Ready to Succeed Scholarship Program College Planning EducationPlanner College Fairs 5 Steps to Financial Aid PA Student Aid Guide FAFSA Parents & Students Resources Tools Account Access (AES) Online Ordering MySmartBorrowing Student Loan Notification Tool Financial Aid Resources PA Forward Student Loan Program Toolkit Partner Access K-12 Counselors Schools Resources & Training PA State Work-Study Program PHEAA Federal Work-Study Programs PA Institutional Assistance Grants Program PA Targeted Industry Program Program Review Process PA Ready to Succeed Scholarship Program Community Partners Company Information About Us Doing Business with PHEAA PennWATCH Act Board Members Executive Team Careers Investor Information Reports & Statistical Studies Press Releases Contact Us Site Map Online Services Terms of Use Privacy Policy Right to Know Office of Consumer Advocacy © Pennsylvania Higher Education Assistance Agency, 2018-2021. (NMLS# 1619466 NMLS Consumer Access). PHEAA conducts its student loan servicing operations commercially as American Education Services and for federally-owned loans as FedLoan Servicing.