REVIEWER: Diane Freundel, assistant vice president of compliance and contract review for American Education Services.

BACKGROUND: American Education Services (AES) is a not-for-profit, student aid services organization. It manages nearly $43 billion in total assets and services, and close to 4 million students through its guaranty, servicing and financial aid processing systems. Unlike for-profit organizations, AES "shareholders" are America's students and families. The funds generated through its extensive operations are used to improve higher education opportunities; lower the cost of financial assistance; streamline processes for the financial aid community; and empower students, families, schools and lenders through its industry-leading, Web-based technology.

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