Forum Rules (Everyone Must Read!!!) (updated: 04/28/2015)

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so AES called today via CA (new reduced payment plan!)

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  • so AES called today via CA (new reduced payment plan!)

    So I am 103 days past due on my aes loans (I have over 200K with them). Diversified Collection has been calling me for quite sometime and I thought today I would talk to them. They were calling to offer their new "RP Plan" that they claim to have just rolled out. In this plan I would pay $25 or 50 per loan (my choice) and all arrearages are forgiven (rolled back into the loan). I know this doesn't help in terms of paying it off.......but in terms of getting back on track it helps. Thought I would post this in case there are others dealing with aes who need a break. They took down very basic financial information, so I could have said anything, and it was approved in 10 mins. It goes in three month increments and you just reapply. It can be up to 24 months, but I already used a year of forbearance so I only have a year left.
    Anyways-fyi for anyone dealing with them. Hopefully other private loan companies will follow suit. I have read so much about whether SOL applies to TERI loans, so perhaps if it does apply this is just a way to keep you paying. Worked for me.
    Teacher Momma

  • #2
    I don't understand. What do you mean by "In this plan I would pay $25 or 50 per loan (my choice) and all arrearages are forgiven (rolled back into the loan)."


    • #3
      That post was a while ago, but they said I could do a few month of 25 or 50 payments, whatever I could afford and when I made the first one they reset all my payments I was behind. It was called the "RP" Plan if you are talking with them. And last I heard it went up to a $100 per loan not $25/50.
      Teacher Momma


      • #4
        I would be very careful of third party deals. If you are thinking of bk, you understand student loans are not exempt. I think they can be paid within your plan, but never 200k. I had no idea what school costs these days.

        I would not make any deal with a third party. Stick with a lawyer if you have one. Be careful. 'Hub
        If I knew it all, would I be here?? Hang in there = Retained attorney 8-06, Filed 12-28-07, Discharge 8-13-08, Finally CLOSED 11-3-09, 3-31-10 AP Dismissed, Informed by incompetent lawyer of CLOSED status, October 14, 2010.


        • #5
          This is from my servicer not third party.
          Teacher Momma


          • #6
            Originally posted by TeacherMomma View Post
            That post was a while ago, but they said I could do a few month of 25 or 50 payments, whatever I could afford and when I made the first one they reset all my payments I was behind. It was called the "RP" Plan if you are talking with them. And last I heard it went up to a $100 per loan not $25/50.
            Can you elaborate a bit more? A few month of 25 or 50 payments? Can you give an example? So if the private loan is 20k, how much do you pay monthly?


            • #7
              Is AES servicing a guaranteed student loan or a private student loan?


              • #8
                In my case they are private loans.
                Teacher Momma


                • #9
                  I got a few months behind twice they forgave the 2 months and i just made my usual payment. My worry is now im gonna have interest when i file chap 13. From what I hear you cannot cont to make payments on student loans.


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