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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
Apr 24, 2026Student loansDealing with your lender or servicerTrouble with how payments are being handledCTMoney backYes
Apr 24, 2026Student loansProblem with a company's investigation into an existing problemTheir investigation did not fix an error on your reportINExplainedYes
Apr 22, 2026Student loansDealing with your lender or servicerDon't agree with the fees chargedCAExplainedYes
Apr 21, 2026Student loansDealing with your lender or servicerTrouble with how payments are being handledCAExplainedYes
Apr 18, 2026Student loansDealing with your lender or servicerReceived bad information about your loanGAExplainedYes
Apr 14, 2026Student loansDealing with your lender or servicerReceived bad information about your loanCAExplainedYes
Apr 14, 2026Student loansDealing with your lender or servicerNeed information about your loan balance or loan termsCAExplainedYes
Apr 13, 2026Student loansDealing with your lender or servicerTrouble with how payments are being handledNCExplainedYes
Apr 10, 2026Student loansDealing with your lender or servicerDon't agree with the fees chargedTXExplainedYes
Apr 7, 2026Student loansStruggling to repay your loanCan't get other flexible options for repaying your loanMAExplainedYes
Apr 7, 2026Student loansIncorrect information on your reportAccount information incorrectCAExplainedYes
Apr 6, 2026Student loansDealing with your lender or servicerTrouble with how payments are being handledMIExplainedYes
Apr 1, 2026Student loansDealing with your lender or servicerTrouble with how payments are being handledMOExplainedYes
Apr 1, 2026Student loansDealing with your lender or servicerReceived bad information about your loanILExplainedYes
Mar 30, 2026Student loansDealing with your lender or servicerNeed information about your loan balance or loan termsCOExplainedYes
Mar 23, 2026Student loansStruggling to repay your loanCan't temporarily delay making paymentsFLExplainedYes
Mar 23, 2026Student loansDealing with your lender or servicerTrouble with how payments are being handledNYExplainedYes
Mar 21, 2026Student loansGetting a loanChanges in terms mid-deal or after closingTXExplainedYes
Mar 19, 2026Student loansDealing with your lender or servicerReceived bad information about your loanNJExplainedYes
Mar 11, 2026Student loansStruggling to repay your loanCan't get other flexible options for repaying your loanMAExplainedYes
Mar 9, 2026Student loansStruggling to repay your loanCan't temporarily delay making paymentsILExplainedYes
Mar 6, 2026Student loansDealing with your lender or servicerReceived bad information about your loanMAExplainedYes
Mar 3, 2026Student loansDealing with your lender or servicerTrouble with how payments are being handledMDExplainedYes
Mar 2, 2026Student loansDealing with your lender or servicerTrouble with how payments are being handledCTExplainedYes
Feb 25, 2026Student loansStruggling to repay your loanProblem lowering your monthly paymentsNYExplainedYes
Feb 18, 2026Student loansDealing with your lender or servicerDon't agree with the fees chargedTNExplainedYes
Feb 11, 2026Student loansProblem with a company's investigation into an existing problemDifficulty submitting a dispute or getting information about a dispute over the phonePAExplainedYes
Feb 9, 2026Student loansGetting a loanProblem with signing the paperworkNCExplainedYes
Feb 7, 2026Student loansDealing with your lender or servicerTrouble with how payments are being handledOHExplainedYes
Feb 7, 2026Student loansStruggling to repay your loanCan't temporarily delay making paymentsNYExplainedYes

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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