Student loans
AES/PHEAA: what servicemembers report to the CFPB
CFPB Consumer Complaint Database, complaints tagged servicemember, received 2023 to 2025. Read October 28, 2026. Open the same query on consumerfinance.gov.
- Servicemember complaints
- 103
- Closed with money back
- 2%
- 2023 to 2025
- 52 to 21
Servicemembers filed 9.3% of AES/PHEAA's 1,105 complaints in the window, against 2.5% across the directory. The complaints are mostly about student loan, and the single most common issue is "Dealing with your lender or servicer". 2% of servicemember complaints closed with money back, against 2% across all 349 companies in this directory. The yearly count fell from 52 in 2023 to 21 in 2025.
What the complaints are about
By product
| Student loan | 64 |
| Credit reporting, credit repair services, or other personal consumer reports | 20 |
| Credit reporting or other personal consumer reports | 11 |
| Debt collection | 7 |
| Debt or credit management | 1 |
By issue
| Dealing with your lender or servicer | 38 |
| Incorrect information on your report | 28 |
| Struggling to repay your loan | 14 |
| Improper use of your report | 5 |
| Problem with a credit reporting company's investigation into an existing problem | 5 |
| 2023: 52 | 2024: 30 | 2025: 21 |
Which accounts, specifically
| Private student loan | 39 |
| Federal student loan servicing | 36 |
| Credit reporting | 31 |
| Federal student loan debt | 5 |
| Student loan debt relief | 1 |
What went wrong, specifically
| Account status incorrect | 17 |
| Received bad information about your loan | 15 |
| Trouble with how payments are being handled | 11 |
| Problem with customer service | 8 |
| Can't get other flexible options for repaying your loan | 6 |
Busiest month: March 2023, with 14 servicemember complaints. Most were submitted by web.
Most complaints came from TX (15), FL (12), MD (8) , then PA, GA, CA.
How AES/PHEAA answered
| Closed with explanation | 93 | 90% |
| Closed with non-monetary relief | 8 | 8% |
| Closed with monetary relief | 2 | 2% |
AES/PHEAA responded within the CFPB's 15-day window on 100% of servicemember complaints (directory-wide: 99%). A complaint closed "with explanation" means the company answered in writing and changed nothing; "monetary relief" means money moved.
In servicemembers' own words
Narratives the CFPB publishes with the consumer's consent. Personal details are removed by the CFPB before publication. Each links to the original complaint.
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Student loan; Dealing with your lender or servicer. PA, 2024-08-25. Outcome: Closed with explanation. Complaint 9909112
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Student loan; Dealing with your lender or servicer. CA, 2024-08-16. Outcome: Closed with monetary relief. Complaint 9819359
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Student loan; Dealing with your lender or servicer. VA, 2024-08-08. Outcome: Closed with explanation. Complaint 9745388
If this is your problem at AES/PHEAA
For a pre-service debt above 6%: the written request and the refund estimate; for repossession, foreclosure, a default judgment or eviction, the court-protection guides and the Department of Justice; for a loan or card taken during service, the Military Lending Act. A CFPB complaint is the dated record that follows, and it is the data on this page.
Compare with student loans peers
- Sallie Mae 148 servicemember complaints; 1% with money back
- Servicer under contract with Federal Student Aid 205 servicemember complaints; 0% with money back
- Climb Credit 35 servicemember complaints; 0 with money back
- EdFinancial Services 378 servicemember complaints; 0% with money back
- Navient Solutions 470 servicemember complaints; 0% with money back
Next in the directory by volume: Midfirst Bank, Nra, Consumer Adjustment.
Frequently asked questions
How many complaints did servicemembers file against AES/PHEAA?
103 complaints tagged servicemember were received by the CFPB about AES/PHEAA between January 1, 2023 and December 31, 2025 (database read October 28, 2026). The tag covers active duty, Guard, Reserve, veterans, retirees, and their spouses and dependents. The yearly count fell from 52 in 2023 to 21 in 2025.
What do servicemembers complain about most at AES/PHEAA?
Student loan accounts for 64 of the 103 complaints, and the most common issue is "Dealing with your lender or servicer" (38). Next: "Incorrect information on your report" (28).
Does AES/PHEAA give money back when a servicemember complains?
2% of servicemember complaints closed with money back, against 2% across all 349 companies in this directory. 8 closed with non-monetary relief and 93 closed with an explanation only. AES/PHEAA answered 100% of these complaints within the CFPB's 15-day window.
Tools for this topic
- SCRA refund calculator What a lender owes back for charging over 6%.
- Savings calculator What the 6% cap saves you per month and per year.
- Letter generator A rate-cap or lease letter that cites the statute.
CFPB counts for complaints tagged "Servicemember" received 2023-01-01 to 2025-12-31, read October 28, 2026; names are the CFPB's; percentages only at 100+ complaints; a complaint is not a finding of wrongdoing. Method and the full directory.
Heads up: SCRA Saver publishes general information, not legal or financial advice. Laws change and every situation differs. Confirm details with your installation legal assistance office (free for service members) or a licensed professional.