Share your experienceShare
Companies A-Z Rankings Categories Problems By state Latest complaints Trends Compare Experiences Reports Guides Share your experience
Theme

Student loans

Student loans complaints Student loan servicers ranked

Consumers filed 19,882 complaints about student loan servicers in the last 12 months (-4% on the year before). Payments misapplied, income-driven plans, forgiveness, forbearance and servicer transfers. The most complained-about is MOHELA.

Last 12 months
19,882

-4%

Last 30 days
875
Answered on time
68.4%

Across every company

Closed with relief
2%

Money back or a fix

Money back
0.3%

Of closed complaints

Companies
651

With complaints on record

Most complained-about student loan servicers

#Company12 monthsChangeOn timeReliefAll time
1MOHELA7,252-10%36%2%25,029
2Nelnet3,551-13%99.9%0%16,699
3Maximus Federal Services2,3910%100%0%8,072
4Servicer under contract with Federal Student Aid1,520+1%0%-3,025
5Edfinancial Services1,456-7%98.9%0%6,432
6Sallie Mae716+38%100%12%4,273
7Central Research530+151%99.8%0%744
8Navient462-39%100%0%35,811
9Climb Credit304+78%100%0%534
10AES / PHEAA206+4%100%14%13,061
11SoFi160+13%100%9%335
12Goal Structured Solutions108+104%100%0%250
13TransUnion97-3%100%57%351
14Equifax96+1%100%60%320
15Heartland Payment Systems78+10%89.7%0%859
16Transworld Systems75+23%100%0%1,217
17Experian60-37%100%15%303
18Ascent56+56%71.4%4%117
19Ecmc Group53+165%100%8%465
20Earnest53+39%100%0%255
21College Ave Student Loan Servicing43+5%100%0%145
22Citizens Bank41+24%100%0%375
23Meritize Financial38new76.3%0%67
24Georgia Student Finance Authority37+37%83.8%0%124
25LendKey Technologies23new100%30%126

Most likely to give relief

Least likely to give relief

Student loans complaints by month

What people complain about

Student loans complaints by state

ALAKAZARCACOCTDEDCFLGAHIIDILINIAKSKYLAMEMDMAMIMNMSMOMTNENVNHNJNMNYNCNDOHOKORPAPRRISCSDTNTXUTVTVAWAWVWIWY
Per 100,000 people, last 12 monthsFewerMore

Your rights with student loan servicers

Federal student loan borrowers can switch to an income-driven repayment plan, ask for deferment or forbearance, and apply for forgiveness programs such as Public Service Loan Forgiveness through studentaid.gov. The Federal Student Aid ombudsman helps with disputes your servicer will not fix. Private loans follow the contract and state law instead.

Scam warning: Applying for federal repayment plans and forgiveness is free. Anyone who charges a fee, asks for your FSA ID or promises instant forgiveness is not to be trusted.

General information, not legal advice; rules vary by state. Plain-English guides

Guides

Loans & mortgagesStudent loan servicer problems and how to escalateFix servicer errors with payments, repayment plans and PSLF counts, and know how to escalate a federal or private loan problem.7 min readFiling a complaintHow to file a complaint against a bank or financial companyGather records, complain in writing, then escalate to the right regulator if the company does not fix it.8 min readFiling a complaintCompany response types explainedWhat each complaint response label means, why "closed" is not always "fixed", and how to read a company's record.7 min read

Talk about student loan servicers

Be kind and stick to facts. No account numbers or other people's details. Rules

No comments yet. Start the conversation - questions are welcome too.

Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works

Check the record before you sign.

Then add to it. Every experience you share - good or bad - goes on that company's record and helps the next person decide. Two minutes, anonymous.

Share your experience