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Student loans

Struggling to repay your loan

Consumers have filed 20,284 complaints about this, 3,726 in the last 12 months (-11%), against 262 companies. The most complained-about is MOHELA. Companies closed 2% of these with relief.

Companies with the most

Last 12 months.

In more detail

  • Can't get other flexible options for repaying your loan6,18330%
  • Problem with forgiveness, cancellation, or discharge5,60528%
  • Problem lowering your monthly payments3,72318%
  • Can't temporarily delay making payments2,43912%
  • Problem with your payment plan1,97710%
  • Bankruptcy3572%

By month

By state

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Per 100,000 people, last 12 monthsFewerMore

Latest complaints about this

ReceivedCompanyAboutIssueStateAnswerOn time
Nov 11, 2026MOHELAStudent loansStruggling to repay your loanCan't get other flexible options for repaying your loanFLExplainedYes
Nov 10, 2026MOHELAStudent loansStruggling to repay your loanCan't get other flexible options for repaying your loanMIExplainedYes
Nov 9, 2026Maximus Federal ServicesStudent loansStruggling to repay your loanProblem with your payment planALExplainedYes
Nov 9, 2026Edfinancial ServicesStudent loansStruggling to repay your loanProblem with forgiveness, cancellation, or dischargeFLIn progressYes
Nov 9, 2026MOHELAStudent loansStruggling to repay your loanProblem lowering your monthly paymentsNCIn progressYes
Nov 8, 2026NavientStudent loansStruggling to repay your loanCan't get other flexible options for repaying your loanTXExplainedYes
Nov 8, 2026MOHELAStudent loansStruggling to repay your loanProblem with your payment planILIn progressYes
Nov 8, 2026MOHELAStudent loansStruggling to repay your loanProblem with your payment planWAIn progressYes
Nov 7, 2026MOHELAStudent loansStruggling to repay your loanProblem with your payment planVAIn progressYes
Nov 7, 2026Edfinancial ServicesStudent loansStruggling to repay your loanProblem with forgiveness, cancellation, or dischargeILIn progressYes
Nov 7, 2026MOHELAStudent loansStruggling to repay your loanProblem with forgiveness, cancellation, or dischargeMAIn progressYes
Nov 7, 2026MOHELAStudent loansStruggling to repay your loanCan't temporarily delay making paymentsTXIn progressYes
Nov 6, 2026MOHELAStudent loansStruggling to repay your loanProblem with forgiveness, cancellation, or dischargeNCIn progressYes
Nov 6, 2026MOHELAStudent loansStruggling to repay your loanProblem with your payment planPAIn progressYes
Nov 6, 2026Edfinancial ServicesStudent loansStruggling to repay your loanProblem with your payment planFLIn progressYes

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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