Have a Complaint About Your Student Loan?
We're here to help. If you have concerns or issues regarding your student loan, please follow the steps below to ensure your complaint is addressed promptly.
1. Contact Customer Service
Your first step is to reach out to our loan servicing customer service team. Our representatives are ready to assist you and work towards a resolution.
- Phone: Call us at 800-693-8220
- Website: https://arcservicing.com Sign into your ARC Servicing Account to submit a contact form.
2. Still Need Help?
If you feel your complaint hasn't been resolved to your satisfaction, you have additional options.
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Contact the Agency Ombudsman
- Phone: 800-928-8926, ext. 67278 or 502-696-7278
- Website: https://secure.ethicspoint.com/domain/media/en/gui/56134/index.html
- Fax: 502-696-7457
If you have contacted our office regarding an issue with your federal student loans, but have been unable to satisfactorily resolve the issue, you may contact the Office of the Ombudsman for further assistance. The U.S. Department of Education's Office of Student Financial Assistance has created the Student Loan Ombudsman's office to help borrowers resolve concerns after every effort has been exhausted with the servicer.
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FSA Ombudsman Group
PO Box 1854
Monticello, KY 42633
Phone: 877-557-2575
Website: https://studentaid.gov/feedback-ombudsman/disputes
Your state of residence may also offer a student loan advocacy or ombudsman group to assist in resolving any concerns about your private and/or federal loans.
California
Department of Financial Protection and Innovation
Attn: Consumer Services
2101 Arena Blvd
Sacramento, CA 95834
Phone: 866-275-2677
Colorado
Colorado Department of Law
Consumer Protection Section
Consumer Credit Unit - SLS
Phone: 720-508-6975
Email: CSLSA@coag.gov
Connecticut
Department of Banking
Phone: 860-240-8170 or 800-831-7225, option 2
Email: banking.complaints@ct.gov
Website: https://portal.ct.gov/DOB/Consumer/Consumer-Complaints/Student-Loan-Servicer
District of Columbia
Student Loan Ombudsman
Department of Insurance, Securities and Banking
Phone: 202-727-8000
Email: DCLoanHelp@dc.gov
Website: https://disb.dc.gov/studentloanhelp
Illinois
Student Loan Ombudsman
Illinois Attorney General Office
Phone: 800-455-2456
Website: https://illinoisattorneygeneral.gov/consumer-protection/student-loan-debt-assistance/
Maine
Department of Professional & Financial Regulation
Bureau of Consumer Credit Protection
Phone: 207-624-8527 or 888-332-8529
Website: https://www.maine.gov/pfr/consumercredit/index.shtml
Maryland
Student Loan Ombudsman
Office of the Commissioner of Financial Regulation
Maryland Department of Labor, Licensing and Regulation
1100 North Eutaw St., Suite 611
Baltimore, MD 21201
Phone: 410-230-6077 or 888-784-0136
Email: studentloan.ombudsman@maryland.gov
Website: https://www.dllr.state.md.us/finance/consumers/frslombud.shtml
Massachusetts
Massachusetts Student Loan Ombudsman
Student Loan Assistance Unit
Phone: 888-830-6277
Website: https://www.mass.gov/forms/submit-a-student-loan-help-request
Nevada
New Jersey
Student Loan Ombudsman
Department of Banking & Insurance
Phone: 800-446-7467
Website: https://www.nj.gov/dobi/division_consumers/finance/studentloan/index.html
New York
New York State Department of Financial Services
Phone: 800-342-3736
Website: https://www.dfs.ny.gov/consumers/student_protection
Virginia
Scott Kemp, Student Loan Advocate
Office of the Qualified Education Loan Ombudsman
State Council of Higher Education for Virginia
James Monroe Building, 10th Floor
101 N. 14th Street
Richmond, VA 23219
Email: studentloan@schev.edu
Website: https://www.schev.edu/students/student-loan-advising/private-loan
Washington
Student Loan Advocate
Washington Student Achievement Council
917 Lakeridge Way SW
Olympia, WA 98502
Phone: 360-753-7800
Email: loanadvocate@wsac.wa.gov
Website: https://wsac.wa.gov/loan-advocacy