AES/NCT on a credit report: American Education Services (PHEAA)
AES/NCT is American Education Services (PHEAA), a student loan servicer.
If it is a federal loan, StudentAid.gov shows which company services it now.
Complaints to the CFPB about AES/PHEAA
The CFPB has received 16,562 complaints filed under AES/PHEAA (all its accounts, not only AES/NCT), 306 of them in the 12 months to October 8, 2026 with the latest on October 6, 2026, and the company answered 100% on time. [1]
The CFPB publishes complaints without confirming the facts in them.
| Most common issue | Complaints | Share |
|---|---|---|
| Dealing with your lender or servicer | 7,231 | 44% |
| Dealing with my lender or servicer | 2,131 | 13% |
| Incorrect information on your report | 2,013 | 12% |
| Struggling to repay your loan | 1,233 | 7% |
| Problem with a credit reporting company's investigation into an existing problem | 905 | 5% |
Every code this company uses is listed on its main page (AES / PHEAA).
Checking this account
Your report (free at AnnualCreditReport.com) shows American Education Services's address for this account; if something on it is wrong, dispute it with the bureau that shows it and with American Education Services.