Data / Consumer complaints / Student loan
Student loan: 55,754 CFPB complaints in the last 3 years, by company
The CFPB database lists 55,754 consumer complaints about student loan in the three years to November 6, 2026, against 274 companies. MOHELA has the largest count, 20,827, which is 37.4% of the product's complaints. Companies responded on time to 76.6% of them, and 1.9% closed with monetary or other relief. A count is not a rate: a company with more customers draws more complaints.
SpecStream is the live web data engine for teams and agents. It reads the CFPB complaint database every day, and this page is that reading. Ask for the companies you track by product, state or issue and each new complaint arrives in your sheet, CRM, Slack or agent as the CFPB publishes it.
- 55,754Complaints, last 3 years
- 274Companies
- 76.6%Responded on time
- 1.9%Closed with relief
- Nov 6, 2026Latest received
Companies by complaints
Ranked by the number of complaints, with each company's share of this product's complaints. Counts only: a larger company can draw more complaints.
| Company | Complaints | Share | Responded on time | Closed with relief |
|---|---|---|---|---|
| MOHELA | 20,827 | 37.4% | 58.9% | 1.8% |
| Nelnet, Inc. | 10,118 | 18.1% | 99.8% | 0.1% |
| Maximus Federal Services, Inc. | 6,300 | 11.3% | 100% | 0.1% |
| EdFinancial Services | 4,344 | 7.8% | 71.6% | 0% |
| Navient Solutions, LLC. | 3,965 | 7.1% | 100% | 0.4% |
| Servicer under contract with Federal Student Aid | 3,010 | 5.4% | 0% | 0% |
| SLM Corporation | 1,570 | 2.8% | 99.7% | 13% |
| Central Research Inc | 739 | 1.3% | 99.9% | 0% |
| Aes/Pheaa | 643 | 1.2% | 100% | 10.3% |
| Climb Credit Inc. | 494 | 0.9% | 100% | 0% |
| SoFi Technologies, Inc. | 331 | 0.6% | 100% | 8.8% |
| TransUnion Intermediate Holdings, Inc. | 229 | 0.4% | 100% | 62.9% |
| Heartland Payment Systems Inc | 226 | 0.4% | 93.8% | 0% |
| Equifax, Inc. | 209 | 0.4% | 100% | 52.2% |
| Transworld Systems Inc | 199 | 0.4% | 100% | 0% |
| Goal Structured Solutions, LLC | 196 | 0.4% | 100% | 0% |
| Experian Information Solutions Inc. | 190 | 0.3% | 100% | 7.4% |
| Earnest Inc. | 147 | 0.3% | 100% | 0% |
| Discover Bank | 139 | 0.2% | 100% | 18% |
| Ascent Holding Co | 106 | 0.2% | 85.8% | 2.8% |
| Citizens Financial Group, Inc. | 102 | 0.2% | 100% | 1% |
| College Ave Student Loan Servicing, LLC | 95 | 0.2% | 100% | 0% |
| Ecmc Group, Inc. | 88 | 0.2% | 100% | 5.7% |
| Georgia Student Finance Authority | 76 | 0.1% | 85.5% | 0% |
| Meritize Financial Inc. | 59 | 0.1% | 84.7% | 0% |
| Wells Fargo & Company | 52 | 0.1% | 100% | 5.8% |
| LendKey Technologies, Inc. | 51 | 0.1% | 100% | 19.6% |
| Iowa Student Loan Liquidity Corporation | 39 | 0.1% | 100% | 0% |
| Ascendium Education Group | 37 | 0.1% | 100% | 0% |
| PNC Bank N.A. | 34 | 0.1% | 100% | 2.9% |
| Federated Student Loan Services | 32 | 0.1% | 0% | 0% |
| MPOWER Financing, Public Benefit Corporation | 32 | 0.1% | 78.1% | 9.4% |
| Kentucky Higher Education Assistance Authority | 31 | 0.1% | 100% | 0% |
| ZuntaFi Corp | 30 | 0.1% | 96.7% | 3.3% |
| Williams & Fudge, Inc | 29 | 0.1% | 100% | 0% |
| Massachusetts Educational Financing Authority | 28 | 0.1% | 100% | 0% |
| Texas Guaranteed | 28 | 0.1% | 96.4% | 0% |
| Manhattan Beach Venture, LLC | 27 | 0.1% | 0% | 0% |
| Stratus Financial LLC | 27 | 0.1% | 77.8% | 0% |
| Clasp Group, Inc. | 25 | 0.1% | 100% | 4% |
| Higher Education Student Assistance Authority (Hesaa) | 24 | 0.1% | 100% | 4.2% |
| Keycorp | 24 | 0.1% | 100% | 12.5% |
| Unisa, Inc | 24 | 0.1% | 79.2% | 25% |
| TFC Credit Corporation of California | 21 | 0.1% | 52.4% | 0% |
| Education Principle Foundation | 20 | 0.1% | 0% | 0% |
| Pentagon Federal Credit Union | 20 | 0.1% | 100% | 30% |
| ACS Education Services | 19 | 0.1% | 84.2% | 0% |
| SinglePoint GI | 19 | 0.1% | 100% | 0% |
| Navy Federal Credit Union | 18 | 0.1% | 100% | 27.8% |
| EDvantage LLC | 17 | 0.1% | 76.5% | 0% |
| F.H. Cann & Associates, Inc. | 16 | 0.1% | 100% | 0% |
| Paramount Capital Group, Inc. | 15 | 0.1% | 93.3% | 0% |
| Ceannate | 14 | 0.1% | 100% | 0% |
| Continental Services Group, Inc. d/b/a ConServe | 14 | 0.1% | 100% | 14.3% |
| Reliant Capital Solutions, LLC | 14 | 0.1% | 92.9% | 57.1% |
| Capital One Financial Corporation | 13 | 0.1% | 100% | 23.1% |
| Citibank, N.A. | 13 | 0.1% | 100% | 0% |
| Prodigy Finance Servicing, LLC | 13 | 0.1% | 100% | 38.5% |
| JPMorgan Chase & Co. | 12 | 0.1% | 100% | 0% |
| Lincoln Educational Services Corporation | 11 | 0.1% | 100% | 9.1% |
| Texas Higher Education Coordinating Board | 10 | 0.1% | 90% | 0% |
| Weltman, Weinberg & Reis Co., L.P.A. | 10 | 0.1% | 100% | 0% |
| Bank of America, National Association | 9 | 0.1% | 100% | 22.2% |
| Lockhart, Morris & Montgomery Inc. | 9 | 0.1% | 100% | 0% |
| Monterey Financial Services LLC | 9 | 0.1% | 100% | 0% |
| Affirm Holdings, Inc | 8 | 0.1% | 100% | 0% |
| CL Holdings LLC | 8 | 0.1% | 100% | 12.5% |
| Central Portfolio Control Inc. | 8 | 0.1% | 100% | 0% |
| College Foundation, Inc. | 8 | 0.1% | 100% | 0% |
| Higher Education Servicing Corporation, Inc. | 8 | 0.1% | 100% | 0% |
| Leif Technologies Inc. | 8 | 0.1% | 62.5% | 0% |
| National Collection Systems, Inc. | 8 | 0.1% | 100% | 0% |
| Mrs Bpo, LLC | 7 | 0.1% | 100% | 100% |
| National Enterprise Systems, Inc. | 7 | 0.1% | 100% | 0% |
| SIMM Associates, Inc. | 7 | 0.1% | 85.7% | 0% |
| Second Alliance, Inc. | 7 | 0.1% | 100% | 0% |
| Universal Account Servicing, LLC | 7 | 0.1% | 71.4% | 0% |
| Eastern Revenue, Inc. | 6 | 0.1% | 100% | 0% |
| Loan Science, LLC | 6 | 0.1% | 100% | 0% |
| Oklahoma Student Loan Authority | 6 | 0.1% | 100% | 0% |
| Southwood Financial, LLC. | 6 | 0.1% | 100% | 0% |
| Access Group Inc. | 5 | 0.1% | 100% | 0% |
| Ability Recovery Services, LLC | 5 | 0.1% | 100% | 0% |
| Allied Enrollment Centers LLC | 5 | 0.1% | 100% | 60% |
| Ben Franklin Finance LLC | 5 | 0.1% | 40% | 0% |
| Granite Edvance Corporation | 5 | 0.1% | 80% | 0% |
| Iqor US Inc | 5 | 0.1% | 100% | 0% |
| Liberty Career Finance, LLC | 5 | 0.1% | 100% | 0% |
| Radius Global Solutions LLC | 5 | 0.1% | 100% | 60% |
| Resurgent Capital Services L.P. | 5 | 0.1% | 100% | 0% |
| Special Financing Company, LLC | 5 | 0.1% | 100% | 0% |
| USCB Corporation | 5 | 0.1% | 100% | 0% |
| American Student Assistance | 4 | 0.1% | 100% | 0% |
| DebtEaze | 4 | 0.1% | 75% | 0% |
| First Technology Federal Credit Union | 4 | 0.1% | 100% | 0% |
| Nerd Solutions Inc | 4 | 0.1% | 0% | 0% |
| Portnoy Schneck, L.L.C. | 4 | 0.1% | 100% | 0% |
| Richland Loan Processing Center, LLC | 4 | 0.1% | 100% | 0% |
| Truist Financial Corporation | 4 | 0.1% | 100% | 0% |
| Upstart Holdings, Inc. | 4 | 0.1% | 100% | 0% |
By period
The three years are cut into 12 month periods ending on the date of the latest data.
| Period | Complaints | Share |
|---|---|---|
| 12 months to Nov 6, 2026 | 19,922 | 35.7% |
| 12 months to Nov 6, 2025 | 20,708 | 37.1% |
| 12 months to Nov 6, 2024 | 15,124 | 27.1% |
Issues
| Issue | Complaints | Share |
|---|---|---|
| Dealing with your lender or servicer | 34,446 | 61.8% |
| Struggling to repay your loan | 10,574 | 19% |
| Incorrect information on your report | 5,460 | 9.8% |
| Improper use of your report | 1,803 | 3.2% |
| Problem with a company's investigation into an existing problem | 1,515 | 2.7% |
| Getting a loan | 1,126 | 2% |
| Credit monitoring or identity theft protection services | 254 | 0.5% |
| Issue with income share agreement | 214 | 0.4% |
| Issue where my lender is my school | 186 | 0.3% |
| Problem with fraud alerts or security freezes | 133 | 0.2% |
| Unable to get your credit report or credit score | 43 | 0.1% |
Sub-products
| Sub-product | Complaints | Share |
|---|---|---|
| Federal student loan servicing | 44,772 | 80.3% |
| Private student loan | 10,982 | 19.7% |
How companies responded
| Company response | Complaints | Share |
|---|---|---|
| Closed with explanation | 45,211 | 81.1% |
| Untimely response | 8,194 | 14.7% |
| In progress | 1,265 | 2.3% |
| Closed with non-monetary relief | 816 | 1.5% |
| Closed with monetary relief | 268 | 0.5% |
States
| State | Complaints | Share |
|---|---|---|
| California | 5,496 | 9.9% |
| Texas | 4,422 | 7.9% |
| Florida | 4,011 | 7.2% |
| New York | 3,463 | 6.2% |
| Georgia | 3,077 | 5.5% |
| Pennsylvania | 2,670 | 4.8% |
| Illinois | 2,387 | 4.3% |
| North Carolina | 1,915 | 3.4% |
| Ohio | 1,874 | 3.4% |
| New Jersey | 1,788 | 3.2% |
| Michigan | 1,721 | 3.1% |
| Virginia | 1,688 | 3% |
| Maryland | 1,594 | 2.9% |
| Massachusetts | 1,507 | 2.7% |
| Washington | 1,099 | 2% |
| Colorado | 1,077 | 1.9% |
| Arizona | 1,048 | 1.9% |
| Tennessee | 975 | 1.7% |
| South Carolina | 964 | 1.7% |
| Indiana | 957 | 1.7% |
| Minnesota | 865 | 1.6% |
| Missouri | 851 | 1.5% |
| Alabama | 848 | 1.5% |
| Wisconsin | 775 | 1.4% |
| Louisiana | 753 | 1.4% |
Latest 50 complaints
Newest first. Each row links to the complaint's record in the CFPB database.
| Received | Company | Issue | Company response | Source |
|---|---|---|---|---|
| November 6, 2026 | Lockhart, Morris & Montgomery Inc. | Problem with a company's investigation into an existing problem | Closed with explanation | consumerfinance.gov |
| November 6, 2026 | Navient Solutions, LLC. | Getting a loan | Closed with explanation | consumerfinance.gov |
| November 5, 2026 | Navient Solutions, LLC. | Dealing with your lender or servicer | Closed with explanation | consumerfinance.gov |
| November 4, 2026 | Ecmc Group, Inc. | Dealing with your lender or servicer | Closed with explanation | consumerfinance.gov |
| November 4, 2026 | Maximus Federal Services, Inc. | Struggling to repay your loan | Closed with explanation | consumerfinance.gov |
| November 3, 2026 | EdFinancial Services | Dealing with your lender or servicer | Closed with explanation | consumerfinance.gov |
| November 3, 2026 | Maximus Federal Services, Inc. | Problem with a company's investigation into an existing problem | Closed with explanation | consumerfinance.gov |
| November 3, 2026 | Navient Solutions, LLC. | Dealing with your lender or servicer | Closed with explanation | consumerfinance.gov |
| November 3, 2026 | Lockhart, Morris & Montgomery Inc. | Dealing with your lender or servicer | In progress | consumerfinance.gov |
| November 3, 2026 | Maximus Federal Services, Inc. | Struggling to repay your loan | Closed with explanation | consumerfinance.gov |
| November 3, 2026 | Maximus Federal Services, Inc. | Struggling to repay your loan | Closed with explanation | consumerfinance.gov |
| November 2, 2026 | Aes/Pheaa | Struggling to repay your loan | Closed with non-monetary relief | consumerfinance.gov |
| November 2, 2026 | MOHELA | Dealing with your lender or servicer | Closed with explanation | consumerfinance.gov |
| November 2, 2026 | Maximus Federal Services, Inc. | Problem with a company's investigation into an existing problem | Closed with explanation | consumerfinance.gov |
| November 2, 2026 | TransUnion Intermediate Holdings, Inc. | Dealing with your lender or servicer | In progress | consumerfinance.gov |
| November 2, 2026 | Navient Solutions, LLC. | Dealing with your lender or servicer | Closed with explanation | consumerfinance.gov |
| November 1, 2026 | Maximus Federal Services, Inc. | Dealing with your lender or servicer | Closed with explanation | consumerfinance.gov |
| November 1, 2026 | MOHELA | Dealing with your lender or servicer | In progress | consumerfinance.gov |
| November 1, 2026 | MOHELA | Dealing with your lender or servicer | In progress | consumerfinance.gov |
| November 1, 2026 | MOHELA | Dealing with your lender or servicer | In progress | consumerfinance.gov |
| November 1, 2026 | MOHELA | Problem with a company's investigation into an existing problem | In progress | consumerfinance.gov |
| November 1, 2026 | MOHELA | Dealing with your lender or servicer | In progress | consumerfinance.gov |
| November 1, 2026 | MOHELA | Dealing with your lender or servicer | In progress | consumerfinance.gov |
| November 1, 2026 | MOHELA | Struggling to repay your loan | In progress | consumerfinance.gov |
| November 1, 2026 | MOHELA | Struggling to repay your loan | In progress | consumerfinance.gov |
| November 1, 2026 | MOHELA | Dealing with your lender or servicer | In progress | consumerfinance.gov |
| November 1, 2026 | MOHELA | Incorrect information on your report | In progress | consumerfinance.gov |
| November 1, 2026 | Maximus Federal Services, Inc. | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
| November 1, 2026 | MOHELA | Dealing with your lender or servicer | In progress | consumerfinance.gov |
| October 31, 2026 | MOHELA | Struggling to repay your loan | In progress | consumerfinance.gov |
| October 31, 2026 | MOHELA | Dealing with your lender or servicer | In progress | consumerfinance.gov |
| October 31, 2026 | MOHELA | Struggling to repay your loan | In progress | consumerfinance.gov |
| October 31, 2026 | MOHELA | Dealing with your lender or servicer | In progress | consumerfinance.gov |
| October 31, 2026 | MOHELA | Incorrect information on your report | In progress | consumerfinance.gov |
| October 31, 2026 | MOHELA | Dealing with your lender or servicer | In progress | consumerfinance.gov |
| October 31, 2026 | MOHELA | Dealing with your lender or servicer | In progress | consumerfinance.gov |
| October 31, 2026 | MOHELA | Dealing with your lender or servicer | In progress | consumerfinance.gov |
| October 31, 2026 | Maximus Federal Services, Inc. | Dealing with your lender or servicer | Closed with explanation | consumerfinance.gov |
| October 31, 2026 | MOHELA | Dealing with your lender or servicer | In progress | consumerfinance.gov |
| October 31, 2026 | MOHELA | Dealing with your lender or servicer | In progress | consumerfinance.gov |
| October 31, 2026 | MOHELA | Dealing with your lender or servicer | In progress | consumerfinance.gov |
| October 30, 2026 | MOHELA | Dealing with your lender or servicer | Closed with explanation | consumerfinance.gov |
| October 30, 2026 | MOHELA | Dealing with your lender or servicer | In progress | consumerfinance.gov |
| October 30, 2026 | Maximus Federal Services, Inc. | Dealing with your lender or servicer | Closed with explanation | consumerfinance.gov |
| October 30, 2026 | MOHELA | Dealing with your lender or servicer | In progress | consumerfinance.gov |
| October 30, 2026 | Maximus Federal Services, Inc. | Dealing with your lender or servicer | Closed with explanation | consumerfinance.gov |
| October 30, 2026 | MOHELA | Dealing with your lender or servicer | In progress | consumerfinance.gov |
| October 30, 2026 | MOHELA | Dealing with your lender or servicer | In progress | consumerfinance.gov |
| October 30, 2026 | Maximus Federal Services, Inc. | Dealing with your lender or servicer | Closed with explanation | consumerfinance.gov |
| October 30, 2026 | Maximus Federal Services, Inc. | Dealing with your lender or servicer | Closed with explanation | consumerfinance.gov |
Also on SpecStream
- All consumer complaints
- Consumer complaints in California
- Consumer complaints in Texas
- Consumer complaints in Florida
Updated November 7, 2026. Read from CFPB Consumer Complaint Database. Public data from the Consumer Financial Protection Bureau (US government work), free for anyone to use. A complaint count is not a rate. A company with more customers can draw more complaints and a state with more people draws more, so this page compares counts only and ranks no one as better or worse. A complaint is a consumer's own account and does not by itself show that a company broke a law. The CFPB publishes a complaint after the company responds, or after 15 days, whichever comes first, and the database is not a statistical sample of consumers' experiences. Company responses are as the company reported them to the CFPB. The CFPB's product names changed over time, and the counts of the three years combine the old and new names of credit reporting. Consumer narratives and names are not shown on this page. This page uses CFPB data and is not endorsed by the CFPB. Free to reuse with credit to SpecStream under CC BY 4.0. Spot a wrong value? Write to [email protected] with the link to this page.