Led me to believe that opting to the interest on my private-student loan, monthly, would in no-way effect my credit score if I ever couldn't pay it. Well, of course, now that I'm about to graduate (therefore, I have zero time to work) and I cannot pay my monthly interest - instead of helping me, AES has marred my credit so badly that now I can't even get anything through credit, even with a co-signer. BEWARE of AES read full review »