Get Help with Student Loan Information

The Federal Student Aid website acts as a hub for all federal information regarding student aid loans, grants, and the FAFSA form.

Federal Student Loan Ombudsman Group. This page provides information on how to access additional help on an array of different federal student loans issues such as loan balance and payment discrepancies, navigating the Pell Grant, and explaining loan interest and collection charges.

You can contact the group via email (fsaombudsmanoffice@ed.gov) or postal mail, by calling 1-877-557-2525, or by submitting a complaint online.

NJ Student Loan Ombudsman
How to submit a Student Loan complaint?

1. Attempt to resolve the dispute by directly contacting the student loan servicer.
2. Once you are working with a student loan servicer supervisor or manager, evaluate whether your issue is being resolved in a timely manner. If it is not, send your questions in writing to the servicer's headquarters by certified mail. Give the company a specific time to respond to you.
3. If your servicer does not respond to you in a timely manner, you may also follow up with the student loan servicer's ombudsman program, if available.
4. If your issue is still not resolved with the student loan servicer, or their ombudsman, or if you believe they are not being truthful about your options, or are being unresponsive, you may file a complaint with the Department of Banking and Insurance by calling 1-800-446-7467 or using the Online Consumer Assistance Form.
5. You can also determine if the student loan servicer is licensed by the Department of Banking and Insurance using Nationwide Multistate Loan Servicing (NMLS) Consumer Access. This website that allows the public to view information concerning the student loan servicer to resolve your dispute.
6. If the student loan servicer is not listed as licensed in New Jersey in NMLS, the Department of Banking and Insurance also pursues complaints against unlicensed companies that are conducting student loan servicing activities for New Jersey residents.

The Consumer Financial Protection Bureau (CFPB) also pursues complaints against student loan servicers. Submit your complaint with the CFPB online or call 855-411-2372 (Mon-Fri, 8am to 8pm).

For private student loan borrowers, contact the CFPB Private Education Loan Ombudsman using the online CFPB complaint form.

New Jersey Higher Education Student Assistance Authority (HESAA). As a public service, HESAA offers competitive, fixed-rate NJCLASS loans. If you have questions about a current NJCLASS loan or are interested in learning more about obtaining an NJCLASS loan, visit HESAA's website for contact information. Or call HESAA Customer Care at 609-584-4480 or toll free at 800-792-8670 for assistance in English and Spanish.