Get Help
You don’t have to struggle alone. Below are some resources to help you navigate debt, find a lawyer, and report fraud.
*Due to high volume, we cannot reply to individual questions or provide individual assistance. However, the resources below can answer some common questions or help you connect with an attorney or government office that can assist you.
Help With Student Loans
There are several online resources that can help you navigate federal student loan programs and applications, and that can explain recent changes.
If you need one-on-one assistance with your loans, several states have Student Loan Ombudspersons who can help you. You can find a list of the state Ombudspersons and their contact information here.
New York State student loan borrowers can contact the Education Debt Consumer Assistance Program (EDCAP) for free one-on-one assistance. Student loan borrowers in California can get free help through the Student Loan Empowerment Network. These programs are state-funded and can connect you with free financial counselors trained in student loan programs, as well as with free attorneys.
Help From A LAwmaker
If you are having an issue with your federal student loans or your student loan servicer, you can contact your senator or representative and request casework assistance using our Protect Borrowers Constituent Casework Tool.
File a Complaint
If you are experiencing harassing debt collection, a loan servicer that won’t give you copies or your records, or some other kind of misconduct, fraud, or abuse, you can file a complaint with a government office. Filing complaints serves two purposes. First, it often forces the company to respond to your complaint, which may help resolve your issue. Second, it lets the government agency know that the company may be harming consumers. When an agency receives several complaints about the same company, it may prompt an investigation.
Here are several places you can file a complaint about a variety of topics and issues:
If your complaint is about your federal student loans, you can also file a complaint with the Office of the Student Loan Ombudsman at the U.S. Department of Education or with your state’s student loan ombudsperson.
Tell Us Your Story
Although we cannot provide individual assistance, you can support our work by sharing your story. Please note that due to high volume, we cannot reply to individual questions or provide individual assistance, including legal advice.