---
title: CFPB complaints — Student loan
product: Student loan
source: CFPB Consumer Complaint Database
sourceId: src:cfpb:complaints:current
---

# CFPB complaints — Student loan

**128,703** complaints (0.8% of all CFPB complaints), across **645** companies. Companies gave a timely response **90.6%** of the time.

**How to read this:** complaint volume tracks how many people use a product 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). The comparable signal is the **timely-response rate** (whether companies answer within CFPB's window — not whether consumers were satisfied), which isn't a function of size. A CFPB complaint is an **unverified consumer allegation**, not proven wrongdoing.

This category (MODELED) merges 1 raw CFPB product label: Student loan.

## What goes wrong (top issues)

| Issue | Complaints |
| --- | --- |
| 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 (volume = context, not a ranking)

Highest complaint volume (tracks size/market share), with each company's timely-response rate — the comparable signal.

| Company | Complaints | Timely response |
| --- | --- | --- |
| Navient Solutions, LLC. | 35,669 | 100.0% |
| MOHELA | 22,039 | 70.8% |
| Nelnet, Inc. | 15,397 | 99.7% |
| AES/PHEAA | 12,970 | 99.9% |
| Maximus Federal Services, Inc. | 7,097 | 100.0% |
| EdFinancial Services | 5,868 | 70.2% |
| SLM CORPORATION | 3,972 | 99.8% |
| Servicer under contract with Federal Student Aid | 2,499 | 0.0% |
| WELLS FARGO & COMPANY | 1,940 | 97.9% |
| DISCOVER BANK | 1,613 | 100.0% |
| GREAT LAKES | 1,186 | 98.7% |
| TRANSWORLD SYSTEMS INC | 1,181 | 100.0% |
| ACS Education Services | 1,165 | 95.2% |
| JPMORGAN CHASE & CO. | 888 | 99.8% |
| HEARTLAND PAYMENT SYSTEMS INC | 821 | 95.9% |

RECORDED CFPB figures + one MODELED product grouping. Not a ranking, not proven wrongdoing, not advice. File or read complaints at the CFPB Consumer Complaint Database (https://www.consumerfinance.gov/data-research/consumer-complaints/). One company's record: `/finance/companies/<slug>`.

Structured data: `/finance/products/student-loan.jsonld`