Rankings

Student loan servicers ranked

Who draws the most complaints, whose complaints are rising fastest, and who is best and worst at putting things right - from the last 12 months of the record. Companies need 100+ complaints to be ranked on their answers.

Most complaints (last 12 months)

#	Company	12 months	Change	On time	Relief	Grade
1	MOHELAStudent loans	9,167	-12%	36%	3%	D
2	NelnetStudent loans	6,543	-13%	99.9%	0%	C
3	Maximus Federal ServicesStudent loans	4,107	-5%	100%	0%	C
4	Edfinancial ServicesStudent loans	2,684	-12%	99.3%	0%	C
5	Sallie MaeStudent loans	1,112	+17%	100%	11%	A
6	NavientStudent loans	617	-47%	100%	0%	C
7	Climb CreditStudent loans	446	+81%	100%	0%	D
8	AES / PHEAAStudent loans	307	-5%	100%	15%	A
9	Heartland Payment SystemsStudent loans	216	+16%	96.3%	0%	D
10	AscentStudent loans	81	+37%	74.1%	7%	D
11	Georgia Student Finance AuthorityStudent loans	76	-13%	64.5%	0%	F
12	EarnestStudent loans	68	+39%	100%	0%	C
13	College Ave Student Loan ServicingStudent loans	67	+3%	100%	0%	C
14	Meritize FinancialStudent loans	47	+124%	78.7%	0%	F
15	LendKey TechnologiesStudent loans	42	+100%	100%	26%	A
16	Iowa Student Loan LiquidityStudent loans	36	+44%	100%	0%	C
17	MPOWER Financing, Public BenefitStudent loans	32	+167%	75%	9%	D
18	Kentucky Higher Education Assistance AuthorityStudent loans	32	+60%	100%	0%	D
19	Stratus FinancialStudent loans	23	+109%	52.2%	0%	-
20	Federated Student Loan ServicesStudent loans	22	-41%	0%	25%	-

Complaints rising fastest

#	Company	Measure	12 months	Change	On time	Relief	Grade
1	Climb CreditStudent loans	+81%	446	+81%	100%	0%	D
2	Sallie MaeStudent loans	+17%	1,112	+17%	100%	11%	A
3	Heartland Payment SystemsStudent loans	+16%	216	+16%	96.3%	0%	D
4	AES / PHEAAStudent loans	-5%	307	-5%	100%	15%	A
5	Maximus Federal ServicesStudent loans	-5%	4,107	-5%	100%	0%	C
6	MOHELAStudent loans	-12%	9,167	-12%	36%	3%	D
7	Edfinancial ServicesStudent loans	-12%	2,684	-12%	99.3%	0%	C
8	NelnetStudent loans	-13%	6,543	-13%	99.9%	0%	C
9	NavientStudent loans	-47%	617	-47%	100%	0%	C

Lowest Response Scores

#	Company	Measure	12 months	Change	On time	Relief	Grade
1	Heartland Payment SystemsStudent loans	36/100	216	+16%	96.3%	0%	D
2	MOHELAStudent loans	39/100	9,167	-12%	36%	3%	D
3	Climb CreditStudent loans	47/100	446	+81%	100%	0%	D
4	Edfinancial ServicesStudent loans	55/100	2,684	-12%	99.3%	0%	C
5	Maximus Federal ServicesStudent loans	56/100	4,107	-5%	100%	0%	C
6	NelnetStudent loans	58/100	6,543	-13%	99.9%	0%	C
7	NavientStudent loans	61/100	617	-47%	100%	0%	C
8	Sallie MaeStudent loans	93/100	1,112	+17%	100%	11%	A
9	AES / PHEAAStudent loans	96/100	307	-5%	100%	15%	A

Highest Response Scores

#	Company	Measure	12 months	Change	On time	Relief	Grade
1	AES / PHEAAStudent loans	96/100	307	-5%	100%	15%	A
2	Sallie MaeStudent loans	93/100	1,112	+17%	100%	11%	A
3	NavientStudent loans	61/100	617	-47%	100%	0%	C
4	NelnetStudent loans	58/100	6,543	-13%	99.9%	0%	C
5	Maximus Federal ServicesStudent loans	56/100	4,107	-5%	100%	0%	C
6	Edfinancial ServicesStudent loans	55/100	2,684	-12%	99.3%	0%	C
7	Climb CreditStudent loans	47/100	446	+81%	100%	0%	D
8	MOHELAStudent loans	39/100	9,167	-12%	36%	3%	D
9	Heartland Payment SystemsStudent loans	36/100	216	+16%	96.3%	0%	D

Least likely to give relief

#	Company	Measure	12 months	Change	On time	Relief	Grade
1	NelnetStudent loans	0%	6,543	-13%	99.9%	0%	C
2	Edfinancial ServicesStudent loans	0%	2,684	-12%	99.3%	0%	C
3	Maximus Federal ServicesStudent loans	0%	4,107	-5%	100%	0%	C
4	NavientStudent loans	0%	617	-47%	100%	0%	C
5	MOHELAStudent loans	3%	9,167	-12%	36%	3%	D
6	Sallie MaeStudent loans	11%	1,112	+17%	100%	11%	A

Slowest to answer

#	Company	Measure	12 months	Change	On time	Relief	Grade
1	MOHELAStudent loans	36%	9,167	-12%	36%	3%	D
2	Edfinancial ServicesStudent loans	99.3%	2,684	-12%	99.3%	0%	C
3	NelnetStudent loans	99.9%	6,543	-13%	99.9%	0%	C
4	Maximus Federal ServicesStudent loans	100%	4,107	-5%	100%	0%	C
5	Sallie MaeStudent loans	100%	1,112	+17%	100%	11%	A
6	NavientStudent loans	100%	617	-47%	100%	0%	C

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Complaint records are public consumer complaints filed with U.S. regulators, checked 12 minutes ago (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