The Pennsylvania Higher Education Assistance Agency (PHEAA) is offering a 3-month Natural Disaster Forbearance that applies to all PHEAA-owned private loans, including PA Forward Undergraduate, Graduate, Parent, and Refinance loans. This forbearance is for borrowers and co-signers impacted by COVID-19. To request this forbearance, contact your servicer American Education Services (AES), through one of the following methods:

Although a 3-month Natural Disaster Forbearance is also available for Federal Family Education Loan (FFEL) Program borrowers who have been negatively impacted by the COVID-19 Pandemic, learn more about additional reduced payment options that may be more beneficial than simply postponing payments.

In addition, we will be waiving late fees for all PHEAA-owned private and FFEL loans that result from circumstances surrounding COVID-19.

NOTE: Your request must include the date you were affected.

For Borrowers in Repayment of Principal and Interest

Once your request is received and processed, AES will apply the maximum 3-month Natural Disaster Forbearance from your due date. Please note any delinquency, prior to your first due date affected, will be covered with an additional administrative forbearance to bring your account current.

For In School Borrowers Making Interest Only or Partial Interest Payments

Once your request is received and processed, AES will apply the maximum 3-month Natural Disaster Forbearance.