Student loans
MOHELA: 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
- 1,490
- Closed with money back
- 1%
- 2023 to 2025
- 302 to 710
Servicemembers filed 7.1% of MOHELA's 20,922 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". 1% of servicemember complaints closed with money back, against 2% across all 349 companies in this directory. The yearly count rose from 302 in 2023 to 710 in 2025.
What the complaints are about
By product
| Student loan | 1,230 |
| Credit reporting or other personal consumer reports | 214 |
| Credit reporting, credit repair services, or other personal consumer reports | 25 |
| Debt collection | 18 |
| Debt or credit management | 2 |
By issue
| Dealing with your lender or servicer | 960 |
| Incorrect information on your report | 226 |
| Struggling to repay your loan | 174 |
| Improper use of your report | 55 |
| Problem with a company's investigation into an existing problem | 28 |
| 2023: 302 | 2024: 478 | 2025: 710 |
Which accounts, specifically
| Federal student loan servicing | 1,184 |
| Credit reporting | 253 |
| Private student loan | 119 |
| Federal student loan debt | 13 |
| I do not know | 6 |
What went wrong, specifically
| Trouble with how payments are being handled | 370 |
| Received bad information about your loan | 328 |
| Problem with customer service | 176 |
| Account information incorrect | 128 |
| Problem with forgiveness, cancellation, or discharge | 110 |
Busiest month: March 2025, with 95 servicemember complaints. Most were submitted by web.
Most complaints came from TX (150), CA (109), FL (102) , then VA, GA, OH.
How MOHELA answered
| Closed with explanation | 1,223 | 82% |
| Untimely response | 162 | 11% |
| Closed with non-monetary relief | 81 | 5% |
| Closed with monetary relief | 12 | 1% |
| In progress | 12 | 1% |
MOHELA responded within the CFPB's 15-day window on 71% of servicemember complaints (directory-wide: 99%). Where the company published a response, the most common was: "Company believes it acted appropriately as authorized by contract or law" (995). 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. CA, 2024-09-01. Outcome: Closed with explanation. Complaint 9982483
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Student loan; Dealing with your lender or servicer. GA, 2024-08-30. Outcome: Closed with explanation. Complaint 9969261
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Student loan; Incorrect information on your report. FL, 2024-08-30. Outcome: Closed with explanation. Complaint 9964566
If this is your problem at MOHELA
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. This site's verified guide to the company's own military policies: MOHELA SCRA: 1-855-278-3619 & the Automatic 6% Rate Cap.
Compare with student loans peers
- Nelnet 1,069 servicemember complaints; 0% with money back
- Aidvantage (Maximus) 585 servicemember complaints; 0% with money back
- Navient Solutions 470 servicemember complaints; 0% with money back
- EdFinancial Services 378 servicemember complaints; 0% with money back
- Servicer under contract with Federal Student Aid 205 servicemember complaints; 0% with money back
Next in the directory by volume: Encore Capital, Portfolio Recovery Associates, Lexisnexis.
Frequently asked questions
How many complaints did servicemembers file against MOHELA?
1,490 complaints tagged servicemember were received by the CFPB about MOHELA 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 rose from 302 in 2023 to 710 in 2025.
What do servicemembers complain about most at MOHELA?
Student loan accounts for 1,230 of the 1,490 complaints, and the most common issue is "Dealing with your lender or servicer" (960). Next: "Incorrect information on your report" (226).
Does MOHELA give money back when a servicemember complains?
1% of servicemember complaints closed with money back, against 2% across all 349 companies in this directory. 81 closed with non-monetary relief and 1,223 closed with an explanation only. MOHELA answered 71% 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.