My niece needed a student loan to complete her education at XXXX College in XXXX, New York. She asked me, her uncle, if I would agree to guaranty the loan because the lender would not provide the loan without the guaranty. She was told by the lender at the time the loan was committed that if she made regular timely payments after she graduated, the lender would release the guaranty. On XXXX XXXX, 2015, after paying her student loan payments on time for over two years, she submitted an application to American Education Services ( " AES '' ), the loan servicer, on my behalf requesting that I be released as a guarantor of her student loans. She never received a written response to her request. However, I called and learned over the telephone from AES that her request was denied because of her credit score. On XXXX XXXX, 2015, she requested that AES reconsider its decision and release me as guarantor. Her credit score is excellent and there is no reason why I should not be released. As proof of her credit worthiness, she sent a copy of her personal credit report to support her request for reconsideration. Once again, she received no reply to her request. I again called AES and was told that, while my niece is employed full time as a teacher, has made every payment on time and has a good credit score, she has an auto loan and a mortgage. AES said that the amount of debt required AES to decline the request for me to be released as guarantor. It appears that the lender 's promise to release her uncle 's guaranty if she made timely payments is illusory. They never intended to keep the promise. The fact that they never respond to any requests is indicative of their lack of commitment to perform as they promised. Also, the ever changing excuses for refusing to release the guaranty is further proof that the lender is not performing as promised. My niece asked AES if her parents could be substituted as guarantors of the loans. AES refused to consider this and said the only choice my niece has to release me as guarantor is to pay off the loans.