Am I eligible to refinance my student loans?

The Struggle is Real: Filing a Student Loan Complaint

Having a problem with your student loan? It happens. If you’re having an issue with your lender or loan servicer and haven’t been able to resolve it, it may be time to seek assistance. As a last resort, you may even need to file a formal complaint. (If you’re not sure what situations warrant a complaint, see what other people have experienced on the Consumer Financial Protection Bureau’s Consumer Complaint Database.)

If you’re experiencing a problem with your federal student loan, file a complaint, and then if the response is not to your liking, because it is either incorrect or you, as the borrower, do not agree, then you should contact the FSA Ombudsman  Group Federal Student Aid Ombudsman Group or call them at 1.877.557.2575.

For disputes involving private student loans, the first place you should turn to is your lender or loan servicer. If you’re still unable to resolve the issue, you can file a complaint with the Consumer Financial Protection Bureau (CFPB). Fill out and submit the online complaint form at www.consumerfinance.gov/complaint. Or you can call 855-411-CFPB.

Credit Bureau Contacts

Be sure to periodically (at least once per year) check with a credit bureau to make sure the information reported about your accounts is accurate and up to date. Each agency will summarize your consumer’s credit performance in a credit rating.

Equifax

1-866-349-5191

http://www.equifax.com

http://www.equifax.com/cs/Satellite?pagename=contact_us

 

Experian

1-888-397-3742

https://www.experian.com

http://www.experian.com/help/

 

TransUnion

1-855-681-3196

https://www.transunion.com

https://www.transunion.com/customer-support/contact-us

More Must Read Articles

Why Consolidate or Refinance Your Student Loans

Why Consolidate My Student Loans?

Learn the pros and cons of student loan consolidation and refinancing, like cutting interest rates and monthly payments, or losing federal loan benefits.

Benefits of Student Loan Consolidation and Refinancing

Benefits of Student Loan Consolidation and Refinancing

Student loan consolidation or refinancing has several key benefits. You might be able to cut your payments & get a better rate. See if it's right for you.

How Student Loan Consolidation Works

How Student Loan Consolidation Works

Wondering what the first steps are in consolidating or refinancing your student loans? Check out these step-by-step instructions on how to get started.

Basics of Student Loan Refinancing

The Basics of Student Loan Refinancing for 2018

Deciding if you should consolidate or refinance your student loans can get pretty confusing. Learn more about the benefits and drawbacks of refinancing.

5 Common Myths About Student Loan Refinancing

5 Common Myths About Student Loan Refinancing

When it comes to refinancing student loans, what's true, and what's not? We're clearing it up with five common myths and the facts behind them.

Should You Find a Student Loan Cosigner or Go It Alone

Student Loan Refinancing: Cosigner or No Cosigner?

Do the benefits of having a cosigner outweigh the drawbacks? Learn the pros and cons of sharing the weight of your debt with others.

Pros and Cons of Refinancing Parent Loans

The Pros and Cons of Refinancing Parent PLUS Loans

Many parents take out student loans to pay for a child's college education. Learn about the pros & cons of refinancing Parent PLUS Loans & private loans.

Private Student Loan Refinancing Interest Rates

Private Student Loan Refinancing Interest Rates

The interest rate on a private refinance loan is determined by the borrower's or cosigner's credit rating. See the impact of different rates on payments.

Get the answers to your questions about private student loan refinancing. Learn more about the benefits, which loans are eligible and how long it takes.

Federal Student Loan Consolidation

Federal Student Loan Consolidation

Learn about the benefits of federal student loan consolidation, what loans can be consolidated & how it can help you manage existing student loan debt.

Federal Student Loan Consolidation Interest Rates

Federal Student Loan Consolidation Interest Rates

When you consolidate your federal student loans, your interest rate will be roughly the same as your current loans. See an example of the rate calculation.

How do I combine multiple federal loans into one loan? How long does it take to consolidate student loans? Get the answers to these questions and more.

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Am I eligible to refinance my student loans?