What borrowers report about each servicer — and the official way to fix it.

By servicer — the 12 companies named most, largest first

Volume follows portfolio size; the comparable figures are complaints per $1B serviced, the timely-response rate, and which problems a servicer draws more than its share of.

• MOHELAFederal contract servicer

  6,923 complaints · 12 mo · -15.2% YoY
  Timely response (15-day CFPB window)

  39.1% vs 69.7% all servicers (-30.6 pts)

  4,215 untimely · 960 still open

  Federal portfolio (FSA, June 30, 2026)

  22 complaints per $1B serviced

  $314.6B outstanding · 6.85M recipients (loan-level) · 101.1 per 100k

  Runs hot on (vs all student-loan complaints)

  • Trouble with how payments are being handled: 24.3% vs 16.2% (+8.1 pts)
  • Received bad information about your loan: 28.3% vs 25.4% (+2.9 pts)
  • Problem with customer service: 8.4% vs 6.3% (+2 pts)
  Relief granted (monetary or non-monetary): 41Servicemember-tagged: 570Top states: CA 726 · TX 498 · FL 478 · NY 402 · GA 376Correction Ledger →
  Open federal contracts held (USAspending.gov)

  5 awards · $473,020,588 obligated to date

  Federal recipient identity (as registered in SAM.gov, published by USAspending)

  • MISSOURI HIGHER EDUCATION LOAN AUTHORITY · UEI N76QY63KMM18 · no separate parent recipient listed · counted

  USAspending.gov recipient profile — UEI and parent recipient exactly as registered in SAM.gov and published by USAspending. A listed parent is the registrant's own SAM declaration, not an ownership finding by Alpha Covenant.

  Department of Education · $473,020,588

  Next period of performance ends 2026-10-31 (Department of Education, $19,093,133) · award record ↗

  • 91003124F0320 · $220,794,045 · Department of Education · ends 2027-06-19
  • 91003126F0021 · $140,001,779 · Department of Education · ends 2026-12-31
  • 91003125F0043 · $89,345,011 · Department of Education · ends 2027-06-19

  View official source · Official search ↗

  USAspending.gov (U.S. Treasury) — prime contract awards with a period of performance still open; amounts are obligations to date, not ceilings. Counted only where the registered recipient name equals or begins with the searched name (method 2026-06c); other registrants USAspending's name search returned are listed under recipient identity but not counted.

  Federal court dockets naming this company · since 09/23/2025

  111 filed · 48 civil · 52 bankruptcy adversary (of 100 most recent reviewed)

  Show recent cases

  Not coded · 19Consumer credit / FCRA / FDCPA · 16Other · 6Other statutes / administrative · 4Contract · 2Civil rights / employment · 1

  View official source
• Nelnet, Inc.Federal contract servicer · Nelnet

  3,527 complaints · 12 mo · -10.3% YoY
  Timely response (15-day CFPB window)

  99.8% vs 69.7% all servicers (+30.1 pts)

  6 untimely · 6 still open

  Federal portfolio (FSA, June 30, 2026)

  7.4 complaints per $1B serviced

  $473.5B outstanding · 11.68M recipients (loan-level) · 30.2 per 100k

  Runs hot on (vs all student-loan complaints)

  • Account status incorrect: 15% vs 9.5% (+5.5 pts)
  • Their investigation did not fix an error on your report: 4.6% vs 2.7% (+2 pts)
  • Account information incorrect: 4.9% vs 3.5% (+1.5 pts)
  Relief granted (monetary or non-monetary): 0Servicemember-tagged: 266Top states: TX 376 · CA 305 · FL 286 · GA 268 · NY 197Correction Ledger →
  Open federal contracts held (USAspending.gov)

  5 awards · $658,387,964 obligated to date

  Federal recipient identity (as registered in SAM.gov, published by USAspending)

  • NELNET SERVICING LLC · UEI MNXKQ62J7AE8 · parent recipient(s) listed on the USAspending profile (may include prior registrations): NELNET, INC. (UEI KTRMNBLJ1E18) · counted
  • PETERSON'S, LLC · UEI VFPBLYHZA1M3 · parent recipient(s) listed on the USAspending profile (may include prior registrations): NELNET, INC. (UEI KTRMNBLJ1E18) · returned by USAspending's name search but not counted — registered name does not begin with the searched name

  USAspending.gov recipient profile — UEI and parent recipient exactly as registered in SAM.gov and published by USAspending. A listed parent is the registrant's own SAM declaration, not an ownership finding by Alpha Covenant.

  Department of Education · $658,387,964

  Next period of performance ends 2026-12-31 (Department of Education, $208,445,849) · award record ↗

  • 91003124F0321 · $392,438,575 · Department of Education · ends 2027-03-31
  • 91003126F0022 · $208,445,849 · Department of Education · ends 2026-12-31
  • 91003124F0301 · $52,223,007 · Department of Education · ends 2027-03-31

  View official source · Official search ↗

  USAspending.gov (U.S. Treasury) — prime contract awards with a period of performance still open; amounts are obligations to date, not ceilings. Counted only where the registered recipient name equals or begins with the searched name (method 2026-06c); other registrants USAspending's name search returned are listed under recipient identity but not counted.

  Federal court dockets naming this company · since 09/23/2025

  123 filed · 44 civil · 56 bankruptcy adversary (of 100 most recent reviewed)

  Show recent cases

  Not coded · 23Consumer credit / FCRA / FDCPA · 12Other · 5Other statutes / administrative · 3Contract · 1

  View official source
• Maximus Federal Services, Inc.Federal contract servicer · AidVantage

  2,318 complaints · 12 mo · -7.6% YoY
  Timely response (15-day CFPB window)

  100% vs 69.7% all servicers (+30.3 pts)

  0 untimely · 1 still open

  Federal portfolio (FSA, June 30, 2026)

  6.6 complaints per $1B serviced

  $352.9B outstanding · 8.94M recipients (loan-level) · 25.9 per 100k

  Runs hot on (vs all student-loan complaints)

  • Received bad information about your loan: 29.9% vs 25.4% (+4.5 pts)
  • Account status incorrect: 12.6% vs 9.5% (+3.1 pts)
  • Their investigation did not fix an error on your report: 3.5% vs 2.7% (+0.9 pts)
  Relief granted (monetary or non-monetary): 0Servicemember-tagged: 199Top states: TX 237 · CA 214 · FL 188 · GA 170 · NY 142Correction Ledger →

  Aidvantage is operated by Maximus Federal Services; CFPB lists complaints under the Maximus name.

  Open federal contracts held (USAspending.gov)

  33 awards · $4,342,128,450 obligated to date

  Federal recipient identity (as registered in SAM.gov, published by USAspending)

  • MAXIMUS FEDERAL SERVICES, INC. · UEI TREKW6J3QSF5 · parent recipient(s) listed on the USAspending profile (may include prior registrations): MAXIMUS INC (UEI RBGHRKKXVQ83) · counted
  • MAXIMUS EDUCATION LLC · UEI HSUVUJE1ESU7 · counted
  • MAXIMUS FEDERAL TECHNOLOGY SOLUTIONS, LLC · UEI RYMXZHTX4WP3 · parent recipient(s) listed on the USAspending profile (may include prior registrations): ATTAIN CONSULTING GROUP LLC (UEI EHYPR8VUJMT9); MAXIMUS INC (UEI RBGHRKKXVQ83) · returned by USAspending's name search but not counted — registered name does not begin with the searched name

  USAspending.gov recipient profile — UEI and parent recipient exactly as registered in SAM.gov and published by USAspending. A listed parent is the registrant's own SAM declaration, not an ownership finding by Alpha Covenant.

  Department of Health and Human Services · $3,203,920,537Department of Education · $694,349,238Department of the Treasury · $278,106,662Department of Homeland Security · $81,820,514

  Next period of performance ends 2026-09-23 (Department of Defense, $4,980,177) · award record ↗

  • 75FCMC22C0038 · $2,913,354,965 · Department of Health and Human Services · ends 2027-09-10
  • 91003125C0011 · $327,709,284 · Department of Education · ends 2027-01-31
  • 91003126F0018 · $172,021,963 · Department of Education · ends 2033-04-24

  View official source · Official search ↗

  USAspending.gov (U.S. Treasury) — prime contract awards with a period of performance still open; amounts are obligations to date, not ceilings. Counted only where the registered recipient name equals or begins with the searched name (method 2026-06c); other registrants USAspending's name search returned are listed under recipient identity but not counted.

  Federal court dockets naming this company · since 09/23/2025

  66 filed · 34 civil · 32 bankruptcy adversary

  Show recent cases

  Not coded · 17Consumer credit / FCRA / FDCPA · 11Other · 3Civil rights / employment · 2Other statutes / administrative · 1

  View official source
• Servicer under contract with Federal Student Aid

  1,541 complaints · 12 mo · +15.9% YoY
  Timely response (15-day CFPB window)

  CFPB uses this label when the complaint is routed to the Department of Education rather than a named servicer; every such complaint is recorded as 'Untimely response', so timeliness is not comparable and is not shown.

  Federal portfolio (FSA)

  Not a federal contract servicer in FSA's file

  Runs hot on (vs all student-loan complaints)

  • Problem with forgiveness, cancellation, or discharge: 29% vs 10.2% (+18.8 pts)
  • Need information about your loan balance or loan terms: 5.4% vs 4.2% (+1.2 pts)
  • Information belongs to someone else: 2.3% vs 1.3% (+1 pts)
  Relief granted (monetary or non-monetary): 0Servicemember-tagged: 133Top states: CA 152 · TX 116 · FL 115 · NY 90 · GA 87Correction Ledger →
  No open prime federal contracts found under this name on USAspending.gov (method 2026-06c: counted only where the registered recipient name equals or begins with the searched name).
  Federal court dockets naming this company · since 09/23/2025

  0 filed · 0 civil · 0 bankruptcy adversary

  Show recent cases

  View official source
• EdFinancial ServicesFederal contract servicer · EdFinancial

  1,429 complaints · 12 mo · -6.3% YoY
  Timely response (15-day CFPB window)

  98.7% vs 69.7% all servicers (+29 pts)

  18 untimely · 16 still open

  Federal portfolio (FSA, June 30, 2026)

  6.7 complaints per $1B serviced

  $214.4B outstanding · 6.31M recipients (loan-level) · 22.6 per 100k

  Runs hot on (vs all student-loan complaints)

  • Account status incorrect: 18.3% vs 9.5% (+8.8 pts)
  • Account information incorrect: 4.8% vs 3.5% (+1.3 pts)
  • Reporting company used your report improperly: 2.1% vs 1.3% (+0.8 pts)
  Relief granted (monetary or non-monetary): 0Servicemember-tagged: 102Top states: FL 139 · CA 137 · TX 116 · NY 83 · GA 81Correction Ledger →
  Open federal contracts held (USAspending.gov)

  5 awards · $515,242,196 obligated to date

  Federal recipient identity (as registered in SAM.gov, published by USAspending)

  • EDFINANCIAL SERVICES LLC · UEI TB69PMAFZSK8 · no separate parent recipient listed · counted
  • FEDFINANCIAL FEDERAL CREDIT UNION · UEI MKRAR7JSG269 · no separate parent recipient listed · returned by USAspending's name search but not counted — registered name does not begin with the searched name

  USAspending.gov recipient profile — UEI and parent recipient exactly as registered in SAM.gov and published by USAspending. A listed parent is the registrant's own SAM declaration, not an ownership finding by Alpha Covenant.

  Department of Education · $515,242,196

  Next period of performance ends 2026-10-31 (Department of Education, $84,955,589) · award record ↗

  • 91003124F0319 · $209,310,339 · Department of Education · ends 2027-03-20
  • 91003126F0020 · $124,118,429 · Department of Education · ends 2027-03-30
  • 91003125F0042 · $87,451,735 · Department of Education · ends 2027-04-01

  View official source · Official search ↗

  USAspending.gov (U.S. Treasury) — prime contract awards with a period of performance still open; amounts are obligations to date, not ceilings. Counted only where the registered recipient name equals or begins with the searched name (method 2026-06c); other registrants USAspending's name search returned are listed under recipient identity but not counted.

  Federal court dockets naming this company · since 09/23/2025

  43 filed · 34 civil · 9 bankruptcy adversary

  Show recent cases

  Not coded · 19Consumer credit / FCRA / FDCPA · 11Other · 3Other statutes / administrative · 1

  View official source
• SLM CORPORATION

  687 complaints · 12 mo · +33.4% YoY
  Timely response (15-day CFPB window)

  100% vs 69.7% all servicers (+30.3 pts)

  0 untimely · 55 still open

  Federal portfolio (FSA)

  Not a federal contract servicer in FSA's file

  Runs hot on (vs all student-loan complaints)

  • Can't temporarily delay making payments: 10.8% vs 2% (+8.8 pts)
  • Can't get other flexible options for repaying your loan: 10% vs 1.9% (+8.2 pts)
  • Keep getting calls about your loan: 7.9% vs 0.9% (+6.9 pts)
  Relief granted (monetary or non-monetary): 85Servicemember-tagged: 58Top states: CA 66 · FL 57 · NY 57 · TX 46 · NJ 45Correction Ledger →
  No open prime federal contracts found under this name on USAspending.gov (method 2026-06c: counted only where the registered recipient name equals or begins with the searched name).
  Federal court dockets naming this company · since 09/23/2025

  58 filed · 16 civil · 42 bankruptcy adversary

  Show recent cases

  Consumer credit / FCRA / FDCPA · 7Not coded · 5Contract · 2Other · 1Other statutes / administrative · 1

  View official source
• Central Research IncFederal contract servicer · CRI

  524 complaints · 12 mo · +223.5% YoY
  Timely response (15-day CFPB window)

  99.8% vs 69.7% all servicers (+30.1 pts)

  1 untimely · 0 still open

  Federal portfolio (FSA, June 30, 2026)

  9.9 complaints per $1B serviced

  $52.9B outstanding · 2.78M recipients (loan-level) · 18.8 per 100k

  Runs hot on (vs all student-loan complaints)

  • Account status incorrect: 29.2% vs 9.5% (+19.7 pts)
  • Account information incorrect: 7.3% vs 3.5% (+3.8 pts)
  • Their investigation did not fix an error on your report: 5.9% vs 2.7% (+3.2 pts)
  Relief granted (monetary or non-monetary): 0Servicemember-tagged: 34Top states: CA 52 · NY 45 · TX 40 · GA 39 · FL 34Correction Ledger →

  Central Research Inc (CRI) is a federal contract servicer.

  Open federal contracts held (USAspending.gov)

  1 awards · $62,338,627 obligated to date

  Federal recipient identity (as registered in SAM.gov, published by USAspending)

  • CENTRAL RESEARCH INC · UEI CFJLNG96G1K5 · no separate parent recipient listed · counted

  USAspending.gov recipient profile — UEI and parent recipient exactly as registered in SAM.gov and published by USAspending. A listed parent is the registrant's own SAM declaration, not an ownership finding by Alpha Covenant.

  Department of Education · $62,338,627

  Next period of performance ends 2033-04-24 (Department of Education, $62,338,627) · award record ↗

  • 91003126F0019 · $62,338,627 · Department of Education · ends 2033-04-24

  View official source · Official search ↗

  USAspending.gov (U.S. Treasury) — prime contract awards with a period of performance still open; amounts are obligations to date, not ceilings. Counted only where the registered recipient name equals or begins with the searched name (method 2026-06c); other registrants USAspending's name search returned are listed under recipient identity but not counted.

  Federal court dockets naming this company · since 09/23/2025

  11 filed · 8 civil · 3 bankruptcy adversary

  Show recent cases

  Not coded · 5Consumer credit / FCRA / FDCPA · 2Other statutes / administrative · 1

  View official source
• Navient Solutions, LLC.

  476 complaints · 12 mo · -62.6% YoY
  Timely response (15-day CFPB window)

  100% vs 69.7% all servicers (+30.3 pts)

  0 untimely · 0 still open

  Federal portfolio (FSA)

  Not a federal contract servicer in FSA's file

  Runs hot on (vs all student-loan complaints)

  • Received bad information about your loan: 30.7% vs 25.4% (+5.3 pts)
  • Can't get other flexible options for repaying your loan: 7.1% vs 1.9% (+5.3 pts)
  • Problem with customer service: 7.8% vs 6.3% (+1.5 pts)
  Relief granted (monetary or non-monetary): 1Servicemember-tagged: 46Top states: CA 44 · GA 42 · TX 39 · NY 34 · FL 32Correction Ledger →
  No open prime federal contracts found under this name on USAspending.gov (method 2026-06c: counted only where the registered recipient name equals or begins with the searched name).

  Federal recipient identity (as registered in SAM.gov, published by USAspending)

  • PIONEER CREDIT RECOVERY, INC · UEI YXUUF59KM4C8 · parent recipient(s) listed on the USAspending profile (may include prior registrations): PIONEER CREDIT RECOVERY INC (UEI GW9BBC4SNA15); SLM CORP SALLIE (UEI HWN5F2N2XNM6); NAVIENT CORPORATION (UEI MPZ6YQV1EVX7) · returned by USAspending's name search but not counted — registered name does not begin with the searched name
  • NAVIENT CORPORATION · UEI MPZ6YQV1EVX7 · no separate parent recipient listed · counted
  • GENERAL REVENUE CORPORATION · UEI P3KHLNKR1S74 · parent recipient(s) listed on the USAspending profile (may include prior registrations): SLM CORP SALLIE (UEI HWN5F2N2XNM6); NAVIENT CORPORATION (UEI MPZ6YQV1EVX7) · returned by USAspending's name search but not counted — registered name does not begin with the searched name

  USAspending.gov recipient profile — UEI and parent recipient exactly as registered in SAM.gov and published by USAspending. A listed parent is the registrant's own SAM declaration, not an ownership finding by Alpha Covenant.

  Federal court dockets naming this company · since 09/23/2025

  53 filed · 17 civil · 36 bankruptcy adversary

  Show recent cases

  Not coded · 11Other · 3Consumer credit / FCRA / FDCPA · 2Other statutes / administrative · 1

  View official source
• Climb Credit Inc.

  329 complaints · 12 mo · +178.8% YoY
  Timely response (15-day CFPB window)

  100% vs 69.7% all servicers (+30.3 pts)

  0 untimely · 0 still open

  Federal portfolio (FSA)

  Not a federal contract servicer in FSA's file

  Runs hot on (vs all student-loan complaints)

  • Confusing or misleading advertising: 11.2% vs 0.6% (+10.7 pts)
  • Trouble with how payments are being handled: 18.2% vs 16.2% (+2.1 pts)
  • Received bad information about your loan: 25.8% vs 25.4% (+0.5 pts)
  Relief granted (monetary or non-monetary): 0Servicemember-tagged: 28Top states: CA 41 · TX 41 · NY 29 · FL 27 · NC 17Correction Ledger →
  No open prime federal contracts found under this name on USAspending.gov (method 2026-06c: counted only where the registered recipient name equals or begins with the searched name).
  Federal court dockets naming this company · since 09/23/2025

  2 filed · 1 civil · 1 bankruptcy adversary

  Show recent cases

  Not coded · 1

  View official source
• AES/PHEAA

  204 complaints · 12 mo · -1% YoY
  Timely response (15-day CFPB window)

  100% vs 69.7% all servicers (+30.3 pts)

  0 untimely · 3 still open

  Federal portfolio (FSA)

  Not a federal contract servicer in FSA's file

  Runs hot on (vs all student-loan complaints)

  • Received bad information about your loan: 23.5% vs 25.4% (-1.8 pts)
  Relief granted (monetary or non-monetary): 27Servicemember-tagged: 12Top states: PA 21 · CA 16 · TX 16 · FL 14 · GA 11Correction Ledger →
  No open prime federal contracts found under this name on USAspending.gov (method 2026-06c: counted only where the registered recipient name equals or begins with the searched name).

  Federal recipient identity (as registered in SAM.gov, published by USAspending)

  • PENNSLYVANIA HIGHER EDUCATION ASSISTANCE AGENCY · UEI Q1NHK42T4EB5 · returned by USAspending's name search but not counted — registered name does not begin with the searched name

  USAspending.gov recipient profile — UEI and parent recipient exactly as registered in SAM.gov and published by USAspending. A listed parent is the registrant's own SAM declaration, not an ownership finding by Alpha Covenant.

  Federal court dockets naming this company · since 09/23/2025

  15 filed · 7 civil · 8 bankruptcy adversary

  Show recent cases

  Not coded · 4Other · 2Consumer credit / FCRA / FDCPA · 1

  View official source
• SOFI TECHNOLOGIES, INC.

  146 complaints · 12 mo · +9% YoY
  Timely response (15-day CFPB window)

  100% vs 69.7% all servicers (+30.3 pts)

  0 untimely · 6 still open

  Federal portfolio (FSA)

  Not a federal contract servicer in FSA's file

  Runs hot on (vs all student-loan complaints)

  • Trouble with how payments are being handled: 33.6% vs 16.2% (+17.4 pts)
  Relief granted (monetary or non-monetary): 10Servicemember-tagged: 16Top states: CA 22 · NY 15 · PA 10 · TX 10 · OH 8Correction Ledger →
  No open prime federal contracts found under this name on USAspending.gov (method 2026-06c: counted only where the registered recipient name equals or begins with the searched name).
  Federal court dockets naming this company · since 09/23/2025

  3 filed · 3 civil · 0 bankruptcy adversary

  Show recent cases

  Not coded · 1Contract · 1Torts · 1

  View official source
• Goal Structured Solutions, LLC

  110 complaints · 12 mo
  Timely response (15-day CFPB window)

  100% vs 69.7% all servicers (+30.3 pts)

  0 untimely · 3 still open

  Federal portfolio (FSA)

  Not a federal contract servicer in FSA's file

  Runs hot on (vs all student-loan complaints)

  No sub-issue with ≥30 complaints above baseline
  Relief granted (monetary or non-monetary): 0Servicemember-tagged: 8Top states: CA 22 · NY 9 · GA 8 · NJ 8 · TX 8Correction Ledger →
  No open prime federal contracts found under this name on USAspending.gov (method 2026-06c: counted only where the registered recipient name equals or begins with the searched name).
  Federal court dockets naming this company · since 09/23/2025

  0 filed · 0 civil · 0 bankruptcy adversary

  Show recent cases

  View official source

What can be done about it — by problem, official path only

Every link below is a Department of Education, Federal Student Aid or CFPB page. Federal servicers work under contract to FSA, so FSA's Ombudsman is the escalation above the servicer; the CFPB complaint starts a 15-day response clock on any servicer, federal or private.

• Received bad information about your loan

  4,920 complaints · Dealing with your lender or servicer

  Ask the servicer for the answer in writing, then check it against your own loan data at StudentAid.gov (your official record, not the servicer's).

  Your federal loan record (sign in) ↗FSA Ombudsman — prepare a dispute ↗File a CFPB complaint (15-day response clock) ↗
• Trouble with how payments are being handled

  3,136 complaints · Dealing with your lender or servicer

  Request a payment history from the servicer and compare it to your bank records; misapplied payments are corrected by the servicer, escalated through FSA if not.

  FSA Feedback Center — submit a complaint ↗FSA Ombudsman ↗CFPB complaint ↗
• Problem with customer service

  1,225 complaints · Dealing with your lender or servicer

  Put the request in writing through the servicer's portal so there is a dated record, then escalate to FSA if unanswered.

  Who is my servicer? ↗FSA Feedback Center ↗
• Don't agree with the fees charged

  701 complaints · Dealing with your lender or servicer

  Federal Direct Loans carry no servicing fees; ask for an itemized statement and the rule the charge is based on.

  FSA Ombudsman ↗CFPB complaint ↗
• Problem with forgiveness, cancellation, or discharge

  1,975 complaints · Struggling to repay your loan

  PSLF, IDR forgiveness and borrower defense each have their own official tracker and form; the count of qualifying payments is on your StudentAid.gov account, not only with the servicer.

  PSLF Help Tool ↗Public Service Loan Forgiveness ↗Borrower defense to repayment ↗
• Problem with your payment plan

  517 complaints · Struggling to repay your loan

  Income-driven plans are applied for through StudentAid.gov directly; the servicer must process the plan FSA approves.

  Income-driven repayment plans ↗FSA Feedback Center ↗
• Can't temporarily delay making payments

  389 complaints · Struggling to repay your loan

  Deferment and forbearance types are defined by federal rule; if you meet one, the servicer processes it.

  Deferment and forbearance ↗FSA Ombudsman ↗
• Account status incorrect

  1,849 complaints · Incorrect information on your report

  Credit-report errors are disputed with the credit bureau and the servicer at the same time; the bureau must investigate, generally within 30 days.

  Your free credit reports ↗How to dispute a credit-report error (CFPB) ↗CFPB complaint ↗

Free help: the Guide walks you through the CFPB complaint and the FSA dispute in your language. We don't give legal advice and we don't take a cut of anything.