February 22, 2022

due.
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Payment Summary
MONTHLY BILL Last Payment Received 07/10/2018
Current Payment Due $0.00
Name: HALIMO M CHIRAMBO
Total Due by 03/15/2022 $0.00
Account Number: 63 3596 8736
due.
amount
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YOUR LOAN DETAILS

Loan Date Loan Current Outstanding Interest Monthly

Original Balance Current Due
Sequence Disbursed Program Balance Interest Rate Payment
*1011 10/27/2008 STFFRD $3,500.00 $4,165.19 $137.60 6.000% $0.00 $0.00**
*1007 08/26/2009 STFFRD $4,500.00 $5,257.93 $162.13 5.600% $0.00 $0.00**
*1009 04/19/2010 STFFRD $5,500.00 $6,426.28 $198.16 5.600% $0.00 $0.00**
*1012 10/27/2008 UNSTFD $6,000.00 $9,336.75 $2,252.58 6.800% $0.00 $0.00**
*1008 08/26/2009 UNSTFD $6,000.00 $8,913.23 $2,150.40 6.800% $0.00 $0.00**
*1010 04/19/2010 UNSTFD $1,214.00 $1,719.31 $414.80 6.800% $0.00 $0.00**
Outstanding interest accrued as of 02/22/2022

*Late fees will be assessed in accordance to the requirements set forth by the loan owner. Each unique owner/loan program may have
differing late fee requirements. The owner will assess late fees on any loans listed above that are identified with an asterisk. If there are
dates listed below the heading 'Received After This Date', which are prior to the date you are making your payment, the following late fee
will be assessed.
assessed.
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When remitting a payment amount by mail, phone, or electronic (web or mobile app) that is more or less than the total amount due, if you would like the payment
directed to specific loans, please log in to your online account or use our mobile app to provide the necessary information. Additional details about payment
instructions can be found on the last page of this statement.

Even if a loan is paid ahead, you must continue making your monthly payment in order to maintain eligibility for certain Repayment Incentive Programs or other
benefits offered by your loan owner, such as interest rate reductions or cosigner release. Contact us for details.

Make checks payable to American Education Services and include your 10 digit account number.
Customer Statement (IF LATE, SEE LAST PAGE)
Amount Enclosed: Do not write dollar sign $ in boxes below or on check. See last page of statement for details on how to provide
payment instructions.
Account Number: Due Date: Total Amount Due:

63 3596 8736 03/15/2022

$ $0.00

2022053016335968736100000000000000000000000007

TDTTDTAFFDDTFFDTTFTFAAFAADATDDFDFDFDATFFTTFDFAFATFAFATFTTDADAFDAA
#BWNDHKB AMERICAN EDUCATION SERVICES
#B616 9954 5502 22L9# P.O. BOX 65093
HALIMO M CHIRAMBO BALTIMORE, MD 21264-5093
326 S 8TH ST
KANSAS CITY KS 66101-3719

C,,BRLP
 Received After This Date Late Fee to be Assessed
03/29/2022 $0.00

** If Current Payment Due reflects $0.00, be aware that interest will continue to accrue daily.

ADDITIONAL LOAN DETAILS

See below for the Current Owner and Repayment Term for each loan listed.

Loan Sequence Date Disbursed Loan Program Current Owner Repayment Term
*1011 10/27/2008 STFFRD SUNTRUST 144
*1007 08/26/2009 STFFRD SUNTRUST 143
*1009 04/19/2010 STFFRD SUNTRUST 143
*1012 10/27/2008 UNSTFD SUNTRUST 171
*1008 08/26/2009 UNSTFD SUNTRUST 171
*1010 04/19/2010 UNSTFD SUNTRUST 171
satisfied.
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satisfied.
principal
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including
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of
history
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Total paid since your last statement $0.00 As of today, the amount paid on your loans $3,235.29
Interest Satisfied $0.00 Total Interest Satisfied $2,795.94
Principal Satisfied $0.00 Total Principal Satisfied $439.35

The Total Principal Satisfied includes any payment that satisfies principal (not just payments made by you) and may include consolidation
payments, refunds, cancellation payments, returned disbursements, etc.
 METHODS TO PAY such loans at each level of delinquency based on the amount due for each

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loan for each month.
• Pay Automatically: Sign up for Direct Debit to make automated Residents of NY and CA: Without instructions, an overpayment is allocated
payments at aesSuccess.org. You may qualify to the loan with the highest effective interest rate or if loans have the same
for an interest rate reduction! interest rate, the overpayment will go first to any unsubsidized or Private
• Pay Online: aesSuccess.org education loans, proportionately across the loans based on the monthly
• Pay by Phone: 800-233-0557 amount due for each loan.
Residents of CO, MA, ME, MN, NJ, NY, RI, CA and VA: Without instructions,
• Pay by Mail/Bill Payer: American Education Services
an underpayment is allocated to loans in the order of most to least delinquent.
PO Box 65093
If loans are at the same level of delinquency, the payment is allocated in the
Baltimore, MD 21264-5093
order of lowest to highest remaining due.
Send only payments to this address.
Payment Application: After a payment is allocated to one or more loans,
Payment Instructions: Send all other mail, including payment application
the amount is generally applied to each loan first to any fees, then interest,
instructions, to our correspondence address:
and then the principal balance. This may differ based on specific loan terms
American Education Services
and repayment plans. Visit aesSuccess.org/PaymentApplication for more
PO Box 2461
information on payment application and allocation.
Harrisburg, PA 17105-2461
Payoff & Conditional Payments: The balance on this bill is not a payoff
Check or Money Order Instructions: Make checks and money orders
amount, as it only accounts for accrued interest or fees as of the date the bill
payable to American Education Services and include your account number.
was printed. To obtain a payoff, select Loan Payoff within Account Access
Do not send cash.
or call our toll-free number. Any payment that you send for less than the full
Payment Processing: Payments are effective the same day when received balance due that is marked "paid in full" or contains similar language, or that
by 11:59 PM EST. It may take a few days for the payment to post to your you remit to fully satisfy a disputed amount, must be sent to: AES/Conditional
account. To view payment history and see how your payments have been Payments, PO Box 2251, Harrisburg, PA 17105-2251.
applied, select Payment History within Account Access at aesSuccess.org.
Paid Ahead Status & Borrower Benefits: Depending on loan owner policies,
Late Payments: Late payments may result in late charges based on the loan payments in excess of the Amount Total Due may be applied to satisfy future
terms and loan owner's policy. As interest accrues daily, you will pay interest bills, resulting in a paid ahead status. If you have satisfied a full future bill,
on a higher balance each day the payment is late. your amount due could be less than the normal Monthly Payment or even $0.
PAYMENT OPTIONS If you have a $0 required payment under IBR or are on a reduced payment
If you can't afford your payment, you may be able to: forbearance, an overpayment may not satisfy future bills. While paid ahead
• Lower your monthly payments* • Temporarily postpone payments* or partially paid ahead, you should continue to make payments since interest
• Change your due date* • Reduce or discharge your loan* will continue to accrue daily and this could impact your eligibility for applicable
* Subject to eligibility requirements benefits, such as co-signer release and interest rate reductions.
Payment Plans: Federal Family Education Loan Program (FFELP) loans Opt Out of Paid Ahead: If you do not want overpayments to be applied to
are eligible for Standard, Graduated, 25-Year Extended (fixed or graduated), future bills, email or call us to opt out of paid ahead status.
Income-Sensitive Repayment, and Income-Based Repayment plans. You Co-signer Notice: If you are a co-signer for loans that are past due, you are
can change your repayment plan at any time. For additional information for responsible for payment. Michigan residents have 30 days from the date of
FFELP loans, please call or visit aesSuccess.org/PaymentsPlans. You can this statement to either pay the past due amount or contact us to make a
also explore your options at the U.S. Department of Education's website, payment arrangement. Illinois residents have 15 days from the date of this
studentaid.gov. If you have Private Student Loans, select Repayment statement to either pay the past due amount or contact us to make a payment
Options within Account Access or call us to learn more about your repayment arrangement.
plan options. Interest: Interest accrues daily, even if your loans are not in repayment.
Deferment or Forbearance: Trouble making payments? You and your Payments can only satisfy already accrued interest and not interest that has
co-signer, if applicable, may qualify for a deferment or forbearance to not yet accrued (future interest).
temporarily reduce or postpone payments. To consider your options, log in ● You are responsible for all interest that accrues during forbearance.
to aesSuccess.org or call us. Use of deferment or forbearance may delay or ● During a deferment, the government pays the interest that accrues on
impact your eligibility for specific borrower benefits, such as co-signer release your subsidized federal student loans; however, you remain responsible
and interest rate reductions, depending on your lender. for interest that accrues on your unsubsidized federal student loans and
Consumer Reporting: We report information on loans to consumer reporting Private Student Loans.
● Capitalization is the addition of accrued and unpaid interest to the principal
agencies. Late payments, missed payments or other defaults may be reflected
in your credit report and the credit report for any other party to the loans. balance, resulting in a balance increase. This may occur at the end of
grace, deferment, or forbearance periods and during certain times when
GENERAL INFORMATION on an Income-Based Repayment plan. This increase may result in a higher
Payment Allocation: When you pay more than the Total Amount Due for monthly installment amount, and it may take you longer to pay off your
multiple loans in repayment without providing instructions, the additional student loans.
amount is allocated to loans proportionately based on the amount due for ● To avoid capitalization of interest, limit the use of forbearances or
each loan or based on the current balance of each loan if all loans are on an deferments or pay the interest that accrues during these periods, if you are
IBR plan with a $0 payment. When you pay an amount less than the Total able to do so.
Amount Due for multiple loans without providing instruction, the payment will Questions? For more information on any of these topics or to request
be allocated to loans in the order of most to least delinquent and prorated to a change, call us or visit your online account at aesSuccess.org.
Visit pheaa.org/oca for state and federal consumer advocacy resources.
Save Time and Money at aesSuccess.org
• Make Payments • Explore Repayment Plan Options • Update Contact Information • Review Account History• Go Paperless
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Visit aesSuccess.org or call us toll-free at
800-233-0557; TTY: Dial 711; Mon - Fri 7:30 a.m.
Need help understanding your bill? Questions? to 9 p.m. (EST). You can also send a secure email
Visit aesSuccess.org/Bill. through your online account, Account Access.
Correspondence American Education Services
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Address: PO Box 2461
Attention Servicemembers
Harrisburg, PA 17105-2461
Learn about the benefits that you may be eligible for,
including the Servicemembers Civil Relief Act (SCRA), at Credit Dispute: AES Credit
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aesSuccess.org/Servicemembers. PO Box 61047
Harrisburg, PA 17106-1047
Do not send payments to these addresses. This will cause a delay
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and could cause your loans to show past due.