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Student loans

SoFi student loans complaints

Consumers have filed 335 complaints about SoFi's student loans, 160 in the last 12 months (+13%). SoFi answered 100% on time and closed 9% with relief. See the whole SoFi record.

SoFi against other 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

Every loan servicer ranked

Latest SoFi student loans complaints

ReceivedAboutIssueStateAnswerOn time
Jul 13, 2026Student loansDealing with your lender or servicerTrouble with how payments are being handledMNExplainedYes
Jul 10, 2026Student loansDealing with your lender or servicerTrouble with how payments are being handledMIMoney backYes
Jul 10, 2026Student loansDealing with your lender or servicerReceived bad information about your loanNYExplainedYes
Jul 8, 2026Student loansDealing with your lender or servicerCo-signerMOExplainedYes
Jul 7, 2026Student loansDealing with your lender or servicerTrouble with how payments are being handledGAExplainedYes
Jul 4, 2026Student loansDealing with your lender or servicerReceived bad information about your loanCAExplainedYes
Jul 2, 2026Student loansDealing with your lender or servicerTrouble with how payments are being handledCAExplainedYes
Jun 23, 2026Student loansDealing with your lender or servicerProblem with customer serviceMNExplainedYes
Jun 23, 2026Student loansDealing with your lender or servicerTrouble with how payments are being handledVAExplainedYes
Jun 17, 2026Student loansStruggling to repay your loanCan't get other flexible options for repaying your loanAZExplainedYes
Jun 16, 2026Student loansProblem with a company's investigation into an existing problemTheir investigation did not fix an error on your reportTXMoney backYes
Jun 12, 2026Student loansDealing with your lender or servicerReceived bad information about your loanILMoney backYes
Jun 12, 2026Student loansDealing with your lender or servicerTrouble with how payments are being handledNYMoney backYes
Jun 3, 2026Student loansStruggling to repay your loanCan't temporarily delay making paymentsNJExplainedYes
Jun 2, 2026Student loansGetting a loanConfusing or misleading advertisingNYExplainedYes
May 27, 2026Student loansIssue with income share agreementPayment issuesFLExplainedYes
May 26, 2026Student loansStruggling to repay your loanCan't temporarily delay making paymentsMDExplainedYes
May 22, 2026Student loansDealing with your lender or servicerReceived bad information about your loanCAExplainedYes
May 19, 2026Student loansDealing with your lender or servicerTrouble with how payments are being handledMNExplainedYes
May 18, 2026Student loansDealing with your lender or servicerTrouble with how payments are being handledTXExplainedYes
May 15, 2026Student loansIssue with income share agreementPayment issuesCAExplainedYes
May 12, 2026Student loansDealing with your lender or servicerTrouble with how payments are being handledCAExplainedYes
May 11, 2026Student loansDealing with your lender or servicerTrouble with how payments are being handledCAExplainedYes
May 6, 2026Student loansDealing with your lender or servicerDon't agree with the fees chargedPAMoney backYes
May 1, 2026Student loansIncorrect information on your reportAccount status incorrectORFixedYes
May 1, 2026Student loansDealing with your lender or servicerTrouble with how payments are being handledMAExplainedYes
Apr 29, 2026Student loansProblem with a company's investigation into an existing problemTheir investigation did not fix an error on your reportCOExplainedYes
Apr 28, 2026Student loansDealing with your lender or servicerCo-signerCAExplainedYes
Apr 25, 2026Student loansDealing with your lender or servicerReceived bad information about your loanCAExplainedYes
Apr 24, 2026Student loansProblem with a company's investigation into an existing problemWas not notified of investigation status or resultsILExplainedYes

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

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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

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