Finance Atlas

CFPB complaints · by product

Student loan

What consumers complain about with this financial product — and how often companies respond on time.

128,703
CFPB complaints filed · 0.8% of all
645
companies complained about
90.6%
timely response
Read the volume carefully. How many complaints a product draws tracks how many people use it and how large its companies are — not how "bad" it is. (Credit reporting is ~80% of all CFPB complaints because the bureaus hold records on nearly every adult and disputes are the #1 category.) The fair signal here is the timely-response rate — how reliably companies answer — which, unlike raw volume, isn't a function of size.

What goes wrong

The CFPB issue categories these complaints concern most.

Dealing with your lender or servicer 62,906
Struggling to repay your loan 18,817
Dealing with my lender or servicer 17,620
Can't repay my loan 8,725
Incorrect information on your report 7,125
Repaying your loan 3,820

Companies most complained about for this product

Highest complaint volume (context — it tracks size and market share, not a ranking of who's worst), shown next to each company's timely-response rate, the comparable signal.

CompanyComplaintsTimely response

Most companies respond on time, so this rate matters most where it is notably lower. A low rate means a company more often failed to answer within CFPB's window — it does not measure whether consumers were satisfied. And every count here is an unverified consumer allegation, not proven wrongdoing.

What these figures mean

  • RECORDED — the complaint count, issue breakdown, and timely-response rate are CFPB records of complaints consumers filed.
  • MODELED — "Student loan" merges 1 CFPB product label (Student loan) into one category so the same product isn't split across CFPB's legacy labels. The counts are unchanged.
  • CONTEXT — volume is not a ranking (it tracks reach and size, with no denominator); timely-response measures answering within CFPB's window, not consumer satisfaction.

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What this is — and is not

A CFPB complaint is an unverified consumer allegation — not a finding, not proven wrongdoing, and not a verdict by the CFPB or anyone else. This is not a ranking of which product or company is "worst," and not advice about a product or company. Read the actual complaints and how they were handled — and file your own — at the CFPB Consumer Complaint Database.