This website and its content are the sole property of American Educational Services (“AES”). The user of this Website understands and agrees that the information provided on this site is for informational purposes only. Any information provided by AES, whether on this site or over the phone, constitutes lay opinion, and should not in any way be construed as legal or financial advice.

AES is not a licensed financial institution. We do not offer or assist consumers to obtain credit or loans.

AES is not a debt settlement agency. We do not assist consumers with the settlement of their debts, and do not negotiate with creditors to compromise or work out a payment structure for existing obligations.

AES is not a credit counseling agency, credit repair organization, or similar service. We do not assist or advise consumers on how to improve their credit scores.

AES is not a certified financial planner or stock broker. We do not provide investment advice or guidance, nor do we sell or recommend the purchase of any stocks, bonds, retirement accounts, corporate securities, annuities, or any other form of investment vehicle.

AES is not a real estate service provider. We do not offer any services related to real estate or mortgage lending.

AES is not a law firm. We do not offer any legal advice or guidance whatsoever, including (but not limited to) “pre-bankruptcy” counseling or any other bankruptcy-related service. Only a licensed attorney can offer legal advice or provide legal services.

AES is not a tax advisor. We do not provide any tax advice, preparation, or any other tax-related service.

AES is not an insurance provider or broker. We do not offer or sell any insurance related product or service.

In addition, American Educational Services is not an agent or employee of, or affiliated with, any company or professional providing the services listed above. Any fees that may be paid to American Educational Services are for financial evaluation and educational materials, and not for the services of any such company or professional.

When seeking solutions for financial problems, we encourage all consumers to do their own research, and examine their options carefully before selecting a particular course of action.