Loan servicer · complaint record
MOHELA complaints
Consumers have filed 30,802 complaints about MOHELA since 2012, 9,167 of them in the last 12 months (-12% on the year before). It answered 36% on time and closed 3% with relief for the customer - more often than a typical loan servicer. The most common problem is dealing with your lender or servicer. It is the most complained-about of 47 student loan servicers this year.
Weak response record. How it works
- Complaints on record
- 30,802
- Last 12 months
- 9,167
- Answered on time
- 36%
- Closed with relief
- 3%
- Last 30 days
- 480
- Rank
- #1 of 47
Since March 2012
-12% vs the year before
Industry: 68.4%
Typical loan servicer: 2%
Newest: Nov 11, 2026
Most complained-about student loan servicers
MOHELA complaints by month
The busiest month was March 2025 (1,389 complaints). Complaints in the last 12 months are down 12% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How MOHELA answered last 12 months
- Closed with monetary relief110.1%
- Closed with non-monetary relief770.8%
- Closed with explanation2,75830.1%
- In progress1,12312.3%
- Untimely response5,19856.7%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
- Answers on time0/4536% on time
- Relief for customers26/403.1% closed with relief
- Complaint trend13/15-12% vs last year
What MOHELA complaints are about
Top MOHELA problems last 12 months
Inside "Dealing with your lender or servicer"
- Trouble with how payments are being handled 6,917
- Received bad information about your loan 6,344
- Problem with customer service 2,949
- Need information about your loan balance or loan terms 1,259
- Don't agree with the fees charged 1,167
- Keep getting calls about your loan 135
Where MOHELA complaints come from
Most complaints: California (3,235), Texas (2,387), Florida (1,961), New York (1,807), Georgia (1,567).
MOHELA compared with other student loan servicers
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | MOHELAStudent loans | 39 | 9,167 | D |
| 2 | NelnetStudent loans | 58 | 6,543 | C |
| 3 | Maximus Federal ServicesStudent loans | 56 | 4,107 | C |
| 4 | Edfinancial ServicesStudent loans | 55 | 2,684 | C |
| 5 | Sallie MaeStudent loans | 93 | 1,112 | A |
| 6 | NavientStudent loans | 61 | 617 | C |
| 7 | Climb CreditStudent loans | 47 | 446 | D |
| 8 | AES / PHEAAStudent loans | 96 | 307 | A |
Compare side by side: MOHELA vs Nelnet · MOHELA vs Maximus Federal Services · MOHELA vs Edfinancial Services · MOHELA vs Sallie Mae
What people say about MOHELA
All experiencesNo experiences with MOHELA yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest MOHELA complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Nov 11, 2026 | Student loans | Struggling to repay your loanCan't get other flexible options for repaying your loan | Explained |
| Nov 10, 2026 | Student loans | Struggling to repay your loanCan't get other flexible options for repaying your loan | Explained |
| Nov 10, 2026 | Student loans | Dealing with your lender or servicerReceived bad information about your loan | Explained |
| Nov 9, 2026 | Student loans | Dealing with your lender or servicerNeed information about your loan balance or loan terms | Explained |
| Nov 9, 2026 | Student loans | Struggling to repay your loanProblem lowering your monthly payments | In progress |
| Nov 9, 2026 | Student loans | Dealing with your lender or servicerReceived bad information about your loan | In progress |
| Nov 8, 2026 | Student loans | Dealing with your lender or servicerTrouble with how payments are being handled | In progress |
| Nov 8, 2026 | Student loans | Dealing with your lender or servicerTrouble with how payments are being handled | In progress |
| Nov 8, 2026 | Student loans | Dealing with your lender or servicerTrouble with how payments are being handled | In progress |
| Nov 8, 2026 | Student loans | Struggling to repay your loanProblem with your payment plan | In progress |
| Nov 8, 2026 | Student loans | Dealing with your lender or servicerTrouble with how payments are being handled | In progress |
| Nov 8, 2026 | Student loans | Dealing with your lender or servicerTrouble with how payments are being handled | In progress |
Questions about MOHELA
How many complaints does MOHELA have?
MOHELA has 30,802 complaints on record since March 2012, including 9,167 in the last 12 months and 480 in the last 30 days. That makes it number 23 of every company by complaints this year.
Does MOHELA respond to complaints?
Yes. MOHELA answered 36% of its complaints on time (within 15 days) and closed 3% with relief - money back or a fix; 0.4% ended with money back. The rest were mostly closed with an explanation only. Its Response Score is 39/100 (grade D).
What do people complain about most with MOHELA?
The most common problems are dealing with your lender or servicer (18,838), incorrect information on your report (4,322), struggling to repay your loan (3,731).
Is MOHELA legit?
MOHELA is a real company with a public complaint record: consumers have complained about it 30,802 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is MOHELA legit? for the signals, red flags and how to protect yourself.
Are complaints about MOHELA going up or down?
Down. There were 9,167 complaints in the last 12 months against 10,379 in the 12 before (-12%). See every month.
How do I file a complaint against MOHELA?
Complain to MOHELA in writing first and keep a copy. If it isn't fixed, file an official complaint with the federal consumer financial regulator - the company must answer, usually within 15 days. Our step-by-step guide: how to file a complaint against a company. Then share your experience here so others know.
Where do most MOHELA complaints come from?
Most come from California (3,235), Texas (2,387), Florida (1,961). Big states file more complaints, so the map shows complaints per 100,000 people.
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
Talk about MOHELA
No comments yet. Start the conversation - questions are welcome too.