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You're our top priority.
We want you to be able to make decisions about your student loans with confidence. We offer objective, independent, straightforward guidance on student loans and refinancing lenders. While our site doesn't answer every question or have every lender, we are proud to provide the information and tools you need — free of charge — to make the best decisions for yourself. So how do we make money? We get paid in two ways. First, you can hire us to develop a student loan strategy for you and implement that strategy on your behalf. Second, our partners compensate us. This may influence which refinancing lenders we write about, but it doesn't affect our recommendations or advice. Our partners cannot pay us to guarantee favorable reviews of their products or services.National Collegiate Student Loan Trust (NCSLT) is not a single company with a central office or customer service center. Instead, it’s a group of separate trusts that work through various servicers, trustees, and collection agencies. Knowing exactly who to contact depends on your loan status, whether you’re current, facing collections, or dealing with legal notices.
Use this straightforward guide to find the right contact details quickly.
Who to Contact About Your NCSLT Loan
Depending on your loan’s current status, contact the relevant party listed below:
Current Loans (Making Payments)
American Education Services (AES)
Phone: 1-800-233-0557
Mailing Address: American Education Services, P.O. Box 2461, Harrisburg, PA 17105-2461
Defaulted Loans (In Collections)
If your NCSLT loan is in default or collections, contact Transworld Systems Inc. (TSI) directly:
Primary Contact Numbers:
800-825-6523
800-365-7193
716-404-2139
Mailing Address: Transworld Systems, Inc., P.O. Box 15630, Wilmington, DE 19850
When to Contact: Use these numbers to discuss payment arrangements, collections notices, or other default-related inquiries.
Legal and Formal Notices
Owner Trustee: Wilmington Trust Company
Mailing Address: Rodney Square North, 1100 North Market Street, Wilmington, DE 19890
Purpose: Legal notices, formal service of process
Indenture Trustee: U.S. Bank National Association
Mailing Address: Global Corporate Trust Services, One Federal Street, 3rd Floor, Boston, MA 02110
Purpose: Management of trust collateral, formal inquiries
Common Questions
Does NCSLT have a central customer service number?
No. NCSLT consists of multiple separate trusts, each working through different entities. You must contact the appropriate party based on your loan status (AES for current loans, TSI for defaulted loans).
Why am I receiving letters or calls from Transworld Systems?
Transworld Systems handles collections and defaulted loans for NCSLT. They reach out regarding overdue payments, collections processes, or legal actions related to defaulted loans.
Where should I mail payments or inquiries about my loan?
If your loan is current, mail payments or inquiries to AES.
If your loan is in default, mail correspondence or payments directly to Transworld Systems unless otherwise directed.
How do I access my online NCSLT loan account?
Online access for NCSLT loans is managed through AES. Visit the AES login page to view your loan details and make payments.
Still Unsure Who to Contact?
If you’re uncertain about your loan status or which entity you should reach out to, review your recent loan statements, letters, or legal notices. For further assistance, explore our complete NCSLT loan guide or consider seeking professional advice.
