October 2017 

50 state snapshot of 

student debt 

A nationwide look at complaints about student loans 
 

 

 

 

 

 

 

 

Introduction 

Over the past five years, student loan borrowers across the country have turned to the CFPB to 

submit complaints about the struggles they face when repaying their student loans. The CFPB 

has handled tens of thousands of complaints related to student loans and sent complaints to 

hundreds of companies, including student loan servicers, debt collectors, private student 

lenders, and companies marketing student loan “debt relief.” These complaints have identified 

issues and practices that harm consumers and often times have been the first step in a process 

that halted industry practices harming some of the most vulnerable individuals. Stopping these 

practices has saved hundreds of millions of dollars for tens of thousands of student loan 

borrowers, and strengthened aspects of the student loan repayment process to protect millions 

of consumers.0F 

1 

Student loan borrowers collectively owe more than $1.4 trillion in student loan debt. This stateby-state snapshot shows how this debt is spread across the country.1F 

2 It also breaks down the 

complaints handled by the CFPB from student loan borrowers in every state. 

The complaint data included in the following pages reflects over 50,000 student loan complaints 

and over 10,000 debt collection complaints related to private or federal student loan debt, 

submitted through September 30, 2017.2F 

3 All data reported is as of October 1, 2017. 

1 Consumer Financial Protection Bureau, CFPB Report Finds Consumer Complaints Spurred Actions That Brought 

More than $750 Million in Relief for Student Loan Borrowers (Oct. 16, 2017), 

https://www.consumerfinance.gov/about-us/newsroom/cfpb-report-finds-consumer-complaints-spurred-actionsbrought-more-750-million-relief-student-loan-borrowers. 

2 Total outstanding student debt balances per state are based on Bureau’s analysis of State Level Household Debt 

Statistics 1999-2016, Federal Reserve Bank of New York, May 2017. 

3 The CFPB began accepting private student loan complaints in March 2012. In July 2013, the CFPB began accepting 

debt collection complaints, including complaints related to the collection of private and federal student loans. In 

February 2016, the CFPB began accepting federal student loan servicing complaints. 
 

 

 

 

 

 

 

 

Type of complaint 

● Student loan 

■ Debt collection 

Number of complaints 

1 

5 

10 

15 

Alabama 

Total student loan complaints Change in volume of student 

handled1 loan complaints handled2 

594 complaints +99% 

Total debt collection complaints Change in volume of debt 

handled related to student loans1 collection complaints 

handled related to student 129 complaints loans2 

+14% 

Total outstanding 

student loan debt 

balance as of 20163 

$18.1 billion 

Student loan and debt collection complaints from student loan borrowers in Alabama4

1 Complaints handled by the CFPB from July 21, 2011 through September 30, 2017. 

2 Percentage change in complaint volume compares Oct. 2015-Sep. 2016 with Oct. 2016-Sep. 2017. Part of this year-to-year increase can be 

attributed to the CFPB updating its student loan complaint form to accept complaints about federal student loan servicing, starting in late February

2016. The Bureau also initiated an enforcement action against a large student loan servicer during the time period covered by this report. 

3 Total outstanding student loan debt balance is from the CFPB's analysis of State Level Household Debt Statistics 1999-2016, Federal Reserve 

Bank of New York, May 2017. 

4 Map shows complaints by geocoded zipcode. 

This report uses dynamic data as of Oct. 1, 2017 and may differ slightly from other public reports. Please visit consumerfinance.gov/complaint to 

learn how we handle complaints. 

Consumer Financial 

Protection Bureau Learn more at consumerfinance.gov
 

 

 

 

 

 

 

 

Type of complaint 

● Student loan 

■ Debt collection 

Number of complaints 

1 

2 

3 

4 

5 

Alaska 

Total student loan complaints Change in volume of student 

handled1 loan complaints handled2 

76 complaints +106% 

Total debt collection complaints Change in volume of debt 

handled related to student loans1 collection complaints 

handled related to student 20 complaints loans2 

+100% 

Total outstanding 

student loan debt 

balance as of 20163 

$2.03 billion 

Student loan and debt collection complaints from student loan borrowers in Alaska4

1 Complaints handled by the CFPB from July 21, 2011 through September 30, 2017. 

2 Percentage change in complaint volume compares Oct. 2015-Sep. 2016 with Oct. 2016-Sep. 2017. Part of this year-to-year increase can be 

attributed to the CFPB updating its student loan complaint form to accept complaints about federal student loan servicing, starting in late February

2016. The Bureau also initiated an enforcement action against a large student loan servicer during the time period covered by this report. 

3 Total outstanding student loan debt balance is from the CFPB's analysis of State Level Household Debt Statistics 1999-2016, Federal Reserve 

Bank of New York, May 2017. 

4 Map shows complaints by geocoded zipcode. 

This report uses dynamic data as of Oct. 1, 2017 and may differ slightly from other public reports. Please visit consumerfinance.gov/complaint to 

learn how we handle complaints. 

Consumer Financial 

Protection Bureau Learn more at consumerfinance.gov
 

 

 

 

 

 

 

 

Type of complaint 

● Student loan 

■ Debt collection 

Number of complaints 

1 

5 

10 

15 

19 

Arizona 

Total student loan complaints Change in volume of student 

handled1 loan complaints handled2 

1,004 complaints +79% 

Total debt collection complaints Change in volume of debt 

handled related to student loans1 collection complaints 

handled related to student 227 complaints loans2 

-11% 

Total outstanding 

student loan debt 

balance as of 20163 

$24.9 billion 

Student loan and debt collection complaints from student loan borrowers in Arizona4

1 Complaints handled by the CFPB from July 21, 2011 through September 30, 2017. 

2 Percentage change in complaint volume compares Oct. 2015-Sep. 2016 with Oct. 2016-Sep. 2017. Part of this year-to-year increase can be 

attributed to the CFPB updating its student loan complaint form to accept complaints about federal student loan servicing, starting in late February

2016. The Bureau also initiated an enforcement action against a large student loan servicer during the time period covered by this report. 

3 Total outstanding student loan debt balance is from the CFPB's analysis of State Level Household Debt Statistics 1999-2016, Federal Reserve 

Bank of New York, May 2017. 

4 Map shows complaints by geocoded zipcode. 

This report uses dynamic data as of Oct. 1, 2017 and may differ slightly from other public reports. Please visit consumerfinance.gov/complaint to 

learn how we handle complaints. 

Consumer Financial 

Protection Bureau Learn more at consumerfinance.gov
 

 

 

 

 

 

 

 

 

Arkansas 

Total student loan complaints Change in volume of student 

handled1 loan complaints handled2 

282 complaints +107% 

Total debt collection complaints Change in volume of debt 

handled related to student loans1 collection complaints 

handled related to student 48 complaints loans2 

+56% 

Total outstanding 

student loan debt 

balance as of 20163 

$9.79 billion 

Student loan and debt collection complaints from student loan borrowers in Arkansas4

Type of complaint 

●

■

Student loan 

Debt collection 

Number of complaints 

1 

2 

4 

6 

8 

9 

1 Complaints handled by the CFPB from July 21, 2011 through September 30, 2017. 

2 Percentage change in complaint volume compares Oct. 2015-Sep. 2016 with Oct. 2016-Sep. 2017. Part of this year-to-year increase can be 

attributed to the CFPB updating its student loan complaint form to accept complaints about federal student loan servicing, starting in late February

2016. The Bureau also initiated an enforcement action against a large student loan servicer during the time period covered by this report. 

3 Total outstanding student loan debt balance is from the CFPB's analysis of State Level Household Debt Statistics 1999-2016, Federal Reserve 

Bank of New York, May 2017. 

4 Map shows complaints by geocoded zipcode. 

This report uses dynamic data as of Oct. 1, 2017 and may differ slightly from other public reports. Please visit consumerfinance.gov/complaint to 

learn how we handle complaints. 

Consumer Financial 

Protection Bureau Learn more at consumerfinance.gov
Type of complaint

● Student loan

■ Debt collection

Number of complaints

1

20

40

65

Consumer Financial 

Protection Bureau 

California

Total student loan complaints Change in volume of student

handled1 loan complaints handled2

5,467 complaints +61%

Total debt collection complaints Change in volume of debt

handled related to student loans1 collection complaints

handled related to student 1,182 complaints loans2

-11%

Total outstanding

student loan debt

balance as of 20163

$129.6 billion

Student loan and debt collection complaints from student loan borrowers in California4

1 Complaints handled by the CFPB from July 21, 2011 through September 30, 2017.

2 Percentage change in complaint volume compares Oct. 2015-Sep. 2016 with Oct. 2016-Sep. 2017. Part of this year-to-year increase can be

attributed to the CFPB updating its student loan complaint form to accept complaints about federal student loan servicing, starting in late February

2016. The Bureau also initiated an enforcement action against a large student loan servicer during the time period covered by this report.

3 Total outstanding student loan debt balance is from the CFPB's analysis of State Level Household Debt Statistics 1999-2016, Federal Reserve

Bank of New York, May 2017.

4 Map shows complaints by geocoded zipcode.

This report uses dynamic data as of Oct. 1, 2017 and may differ slightly from other public reports. Please visit consumerfinance.gov/complaint to

learn how we handle complaints.

Learn more at consumerfinance.gov
 

 

 

 

 

 

 

 

 

Colorado

Total student loan complaints Change in volume of student

handled1 loan complaints handled2

900 complaints +78%

Total debt collection complaints Change in volume of debt

handled related to student loans1 collection complaints

handled related to student 190 complaints loans2

-14%

Total outstanding

student loan debt

balance as of 20163

$24.75 billion

Student loan and debt collection complaints from student loan borrowers in Colorado4

Type of complaint

●

■

Student loan

Debt collection

Number of complaints

1

5

10

14

1 Complaints handled by the CFPB from July 21, 2011 through September 30, 2017.

2 Percentage change in complaint volume compares Oct. 2015-Sep. 2016 with Oct. 2016-Sep. 2017. Part of this year-to-year increase can be

attributed to the CFPB updating its student loan complaint form to accept complaints about federal student loan servicing, starting in late February

2016. The Bureau also initiated an enforcement action against a large student loan servicer during the time period covered by this report.

3 Total outstanding student loan debt balance is from the CFPB's analysis of State Level Household Debt Statistics 1999-2016, Federal Reserve

Bank of New York, May 2017.

4 Map shows complaints by geocoded zipcode.

This report uses dynamic data as of Oct. 1, 2017 and may differ slightly from other public reports. Please visit consumerfinance.gov/complaint to

learn how we handle complaints.

Consumer Financial 

Protection Bureau Learn more at consumerfinance.gov
 

 

 

 

 

 

 

 

 

Connecticut

Total student loan complaints Change in volume of student

handled1 loan complaints handled2

749 complaints +146%

Total debt collection complaints Change in volume of debt

handled related to student loans1 collection complaints

handled related to student 94 complaints loans2

+107%

Total outstanding

student loan debt

balance as of 20163

$16.65 billion

Student loan and debt collection complaints from student loan borrowers in Connecticut4

Type of complaint

●

■

Student loan

Debt collection

Number of complaints

1

10

20

28

1 Complaints handled by the CFPB from July 21, 2011 through September 30, 2017.

2 Percentage change in complaint volume compares Oct. 2015-Sep. 2016 with Oct. 2016-Sep. 2017. Part of this year-to-year increase can be

attributed to the CFPB updating its student loan complaint form to accept complaints about federal student loan servicing, starting in late February

2016. The Bureau also initiated an enforcement action against a large student loan servicer during the time period covered by this report.

3 Total outstanding student loan debt balance is from the CFPB's analysis of State Level Household Debt Statistics 1999-2016, Federal Reserve

Bank of New York, May 2017.

4 Map shows complaints by geocoded zipcode.

This report uses dynamic data as of Oct. 1, 2017 and may differ slightly from other public reports. Please visit consumerfinance.gov/complaint to

learn how we handle complaints.

Consumer Financial 

Protection Bureau Learn more at consumerfinance.gov
 

 

 

 

 

 

 

 

 

Type of complaint

● Student loan

■ Debt collection

Number of complaints

1

5

10

15

Delaware

Total student loan complaints Change in volume of student

handled1 loan complaints handled2

183 complaints +43%

Total debt collection complaints Change in volume of debt

handled related to student loans1 collection complaints

handled related to student 38 complaints loans2

-85%

Total outstanding

student loan debt

balance as of 20163

$4.21 billion

Student loan and debt collection complaints from student loan borrowers in Delaware4

1 Complaints handled by the CFPB from July 21, 2011 through September 30, 2017.

2 Percentage change in complaint volume compares Oct. 2015-Sep. 2016 with Oct. 2016-Sep. 2017. Part of this year-to-year increase can be

attributed to the CFPB updating its student loan complaint form to accept complaints about federal student loan servicing, starting in late February

2016. The Bureau also initiated an enforcement action against a large student loan servicer during the time period covered by this report.

3 Total outstanding student loan debt balance is from the CFPB's analysis of State Level Household Debt Statistics 1999-2016, Federal Reserve

Bank of New York, May 2017.

4 Map shows complaints by geocoded zipcode.

This report uses dynamic data as of Oct. 1, 2017 and may differ slightly from other public reports. Please visit consumerfinance.gov/complaint to

learn how we handle complaints.

Consumer Financial 

Protection Bureau Learn more at consumerfinance.gov
 

 

 

 

 

 

 

 

 

Type of complaint

● Student loan

■ Debt collection

Number of complaints

1

20

40

63

District of Columbia

Total student loan complaints Change in volume of student

handled1 loan complaints handled2

498 complaints +66%

Total debt collection complaints Change in volume of debt

handled related to student loans1 collection complaints

handled related to student 88 complaints loans2

+44%

Total outstanding

student loan debt

balance as of 20163

$6.76 billion

Student loan and debt collection complaints from student loan borrowers in District of

Columbia4

1 Complaints handled by the CFPB from July 21, 2011 through September 30, 2017.

2 Percentage change in complaint volume compares Oct. 2015-Sep. 2016 with Oct. 2016-Sep. 2017. Part of this year-to-year increase can be

attributed to the CFPB updating its student loan complaint form to accept complaints about federal student loan servicing, starting in late February

2016. The Bureau also initiated an enforcement action against a large student loan servicer during the time period covered by this report.

3 Total outstanding student loan debt balance is from the CFPB's analysis of State Level Household Debt Statistics 1999-2016, Federal Reserve

Bank of New York, May 2017.

4 Map shows complaints by geocoded zipcode.

This report uses dynamic data as of Oct. 1, 2017 and may differ slightly from other public reports. Please visit consumerfinance.gov/complaint to

learn how we handle complaints.

Consumer Financial 

Protection Bureau Learn more at consumerfinance.gov
 

 

Type of complaint

● Student loan

■ Debt collection

Number of complaints

1

10

20

29

Florida

Total student loan complaints Change in volume of student

handled1 loan complaints handled2

3,414 complaints +75%

Total debt collection complaints Change in volume of debt

handled related to student loans1 collection complaints

handled related to student 815 complaints loans2

+6%

Total outstanding

student loan debt

balance as of 20163

$79.69 billion

Student loan and debt collection complaints from student loan borrowers in Florida4

1 Complaints handled by the CFPB from July 21, 2011 through September 30, 2017.

2 Percentage change in complaint volume compares Oct. 2015-Sep. 2016 with Oct. 2016-Sep. 2017. Part of this year-to-year increase can be

attributed to the CFPB updating its student loan complaint form to accept complaints about federal student loan servicing, starting in late February

2016. The Bureau also initiated an enforcement action against a large student loan servicer during the time period covered by this report.

3 Total outstanding student loan debt balance is from the CFPB's analysis of State Level Household Debt Statistics 1999-2016, Federal Reserve

Bank of New York, May 2017.

4 Map shows complaints by geocoded zipcode.

This report uses dynamic data as of Oct. 1, 2017 and may differ slightly from other public reports. Please visit consumerfinance.gov/complaint to

learn how we handle complaints.

Consumer Financial 

Protection Bureau Learn more at consumerfinance.gov
Student loan and debt collection complaints from student loan borrowers in Georgia䰃

Type of complaint

●

■

Student loan

Debt collection

Number of complaints

1

10

20

34

Consumer Financial

Protection Bureau Learn more at consumerfi nance.gov

Georgia

Total student loan complaints Change in volume of student

handled1 loan complaints handled2

2,078 complaints +119%

Total debt collection complaints Change in volume of debt

handled related to student loans1 collection complaints

handled related to student 496 complaints loans2

-14%

Total outstanding

student loan debt

balance as of 20163

$53.03 billion

1 Complaints handled by the CFPB from July 21, 2011 through September 30, 2017.

2 Percentage change in complaint volume compares Oct. 2015-Sep. 2016 with Oct. 2016-Sep. 2017. Part of this year-to-year increase can be

attributed to the CFPB updating its student loan complaint form to accept complaints about federal student loan servicing, starting in late February

2016. The Bureau also initiated an enforcement action against a large student loan servicer during the time period covered by this report.

3 Total outstanding student loan debt balance is from the CFPB's analysis of State Level Household Debt Statistics 1999-2016, Federal Reserve

Bank of New York, May 2017.

䰃 Map shows complaints by geocoded zipcode.

This report uses dynamic data as of Oct. 1, 2017 and may differ slightly from other public reports. Please visit consumerfinance.gov/complaint to

learn how we handle complaints.
 

 

 

 

 

 

 

 

 

Hawaii

Total student loan complaints Change in volume of student

handled1 loan complaints handled2

145 complaints +59%

Total debt collection complaints Change in volume of debt

handled related to student loans1 collection complaints

handled related to student 24 complaints loans2

-50%

Total outstanding

student loan debt

balance as of 20163

$3.55 billion

Student loan and debt collection complaints from student loan borrowers in Hawaii4

Type of complaint

●

■

Student loan

Debt collection

Number of complaints

1

2

4

6

8

1 Complaints handled by the CFPB from July 21, 2011 through September 30, 2017.

2 Percentage change in complaint volume compares Oct. 2015-Sep. 2016 with Oct. 2016-Sep. 2017. Part of this year-to-year increase can be

attributed to the CFPB updating its student loan complaint form to accept complaints about federal student loan servicing, starting in late February

2016. The Bureau also initiated an enforcement action against a large student loan servicer during the time period covered by this report.

3 Total outstanding student loan debt balance is from the CFPB's analysis of State Level Household Debt Statistics 1999-2016, Federal Reserve

Bank of New York, May 2017.

4 Map shows complaints by geocoded zipcode.

This report uses dynamic data as of Oct. 1, 2017 and may differ slightly from other public reports. Please visit consumerfinance.gov/complaint to

learn how we handle complaints.

Consumer Financial 

Protection Bureau Learn more at consumerfinance.gov
 

 

 

 

 

 

 

 

 

Type of complaint

● Student loan

■ Debt collection

Number of complaints

1

2

4

6

8

10

11

Idaho

Total student loan complaints Change in volume of student

handled1 loan complaints handled2

197 complaints +54%

Total debt collection complaints Change in volume of debt

handled related to student loans1 collection complaints

handled related to student 28 complaints loans2

-80%

Total outstanding

student loan debt

balance as of 20163

$6.18 billion

Student loan and debt collection complaints from student loan borrowers in Idaho4

1 Complaints handled by the CFPB from July 21, 2011 through September 30, 2017.

2 Percentage change in complaint volume compares Oct. 2015-Sep. 2016 with Oct. 2016-Sep. 2017. Part of this year-to-year increase can be

attributed to the CFPB updating its student loan complaint form to accept complaints about federal student loan servicing, starting in late February

2016. The Bureau also initiated an enforcement action against a large student loan servicer during the time period covered by this report.

3 Total outstanding student loan debt balance is from the CFPB's analysis of State Level Household Debt Statistics 1999-2016, Federal Reserve

Bank of New York, May 2017.

4 Map shows complaints by geocoded zipcode.

This report uses dynamic data as of Oct. 1, 2017 and may differ slightly from other public reports. Please visit consumerfinance.gov/complaint to

learn how we handle complaints.

Consumer Financial 

Protection Bureau Learn more at consumerfinance.gov
 

 

 

 

 

 

 

 

 

Type of complaint

● Student loan

■ Debt collection

Number of complaints

1

10

20

30

40

Illinois

Total student loan complaints Change in volume of student

handled1 loan complaints handled2

1,895 complaints +78%

Total debt collection complaints Change in volume of debt

handled related to student loans1 collection complaints

handled related to student 389 complaints loans2

-21%

Total outstanding

student loan debt

balance as of 20163

$56.79 billion

Student loan and debt collection complaints from student loan borrowers in Illinois4

1 Complaints handled by the CFPB from July 21, 2011 through September 30, 2017.

2 Percentage change in complaint volume compares Oct. 2015-Sep. 2016 with Oct. 2016-Sep. 2017. Part of this year-to-year increase can be

attributed to the CFPB updating its student loan complaint form to accept complaints about federal student loan servicing, starting in late February

2016. The Bureau also initiated an enforcement action against a large student loan servicer during the time period covered by this report.

3 Total outstanding student loan debt balance is from the CFPB's analysis of State Level Household Debt Statistics 1999-2016, Federal Reserve

Bank of New York, May 2017.

4 Map shows complaints by geocoded zipcode.

This report uses dynamic data as of Oct. 1, 2017 and may differ slightly from other public reports. Please visit consumerfinance.gov/complaint to

learn how we handle complaints.

Consumer Financial 

Protection Bureau Learn more at consumerfinance.gov
 

 

 

 

 

 

 

 

 

Type of complaint

● Student loan

■ Debt collection

Number of complaints

1

20

40

62

Indiana

Total student loan complaints Change in volume of student

handled1 loan complaints handled2

1,026 complaints +105%

Total debt collection complaints Change in volume of debt

handled related to student loans1 collection complaints

handled related to student 173 complaints loans2

0%

Total outstanding

student loan debt

balance as of 20163

$26.71 billion

Student loan and debt collection complaints from student loan borrowers in Indiana4

1 Complaints handled by the CFPB from July 21, 2011 through September 30, 2017.

2 Percentage change in complaint volume compares Oct. 2015-Sep. 2016 with Oct. 2016-Sep. 2017. Part of this year-to-year increase can be

attributed to the CFPB updating its student loan complaint form to accept complaints about federal student loan servicing, starting in late February

2016. The Bureau also initiated an enforcement action against a large student loan servicer during the time period covered by this report.

3 Total outstanding student loan debt balance is from the CFPB's analysis of State Level Household Debt Statistics 1999-2016, Federal Reserve

Bank of New York, May 2017.

4 Map shows complaints by geocoded zipcode.

This report uses dynamic data as of Oct. 1, 2017 and may differ slightly from other public reports. Please visit consumerfinance.gov/complaint to

learn how we handle complaints.

Consumer Financial 

Protection Bureau Learn more at consumerfinance.gov
 

 

 

 

 

 

 

 

 

Iowa

Total student loan complaints Change in volume of student

handled1 loan complaints handled2

338 complaints +70%

Total debt collection complaints Change in volume of debt

handled related to student loans1 collection complaints

handled related to student 64 complaints loans2

-8%

Total outstanding

student loan debt

balance as of 20163

$13.08 billion

Student loan and debt collection complaints from student loan borrowers in Iowa4

Type of complaint

●

■

Student loan

Debt collection

Number of complaints

1

5

10

14

1 Complaints handled by the CFPB from July 21, 2011 through September 30, 2017.

2 Percentage change in complaint volume compares Oct. 2015-Sep. 2016 with Oct. 2016-Sep. 2017. Part of this year-to-year increase can be

attributed to the CFPB updating its student loan complaint form to accept complaints about federal student loan servicing, starting in late February

2016. The Bureau also initiated an enforcement action against a large student loan servicer during the time period covered by this report.

3 Total outstanding student loan debt balance is from the CFPB's analysis of State Level Household Debt Statistics 1999-2016, Federal Reserve

Bank of New York, May 2017.

4 Map shows complaints by geocoded zipcode.

This report uses dynamic data as of Oct. 1, 2017 and may differ slightly from other public reports. Please visit consumerfinance.gov/complaint to

learn how we handle complaints.

Consumer Financial 

Protection Bureau Learn more at consumerfinance.gov
 

 

 

 

 

 

 

 

 

Type of complaint

●

■

Student loan

Debt collection

Number of complaints

1

5

10

15

17

Kansas

Total student loan complaints Change in volume of student

handled1 loan complaints handled2

322 complaints +112%

Total debt collection complaints Change in volume of debt

handled related to student loans1 collection complaints

handled related to student 89 complaints loans2

-25%

Total outstanding

student loan debt

balance as of 20163

$11.98 billion

Student loan and debt collection complaints from student loan borrowers in Kansas4

1 Complaints handled by the CFPB from July 21, 2011 through September 30, 2017.

2 Percentage change in complaint volume compares Oct. 2015-Sep. 2016 with Oct. 2016-Sep. 2017. Part of this year-to-year increase can be

attributed to the CFPB updating its student loan complaint form to accept complaints about federal student loan servicing, starting in late February

2016. The Bureau also initiated an enforcement action against a large student loan servicer during the time period covered by this report.

3 Total outstanding student loan debt balance is from the CFPB's analysis of State Level Household Debt Statistics 1999-2016, Federal Reserve

Bank of New York, May 2017.

4 Map shows complaints by geocoded zipcode.

This report uses dynamic data as of Oct. 1, 2017 and may differ slightly from other public reports. Please visit consumerfinance.gov/complaint to

learn how we handle complaints.

Consumer Financial 

Protection Bureau Learn more at consumerfinance.gov
 

 

 

Student loan and debt collection complaints from student loan borrowers in Kentucky4

Type of complaint

●

■

Student loan

Debt collection

Number of complaints

1

5

10

12

Kentucky

Total student loan complaints Change in volume of student

handled1 loan complaints handled2

489 complaints +76%

Total debt collection complaints Change in volume of debt

handled related to student loans1 collection complaints

handled related to student 90 complaints loans2

-26%

Total outstanding

student loan debt

balance as of 20163

$16.17 billion

1 Complaints handled by the CFPB from July 21, 2011 through September 30, 2017.

2 Percentage change in complaint volume compares Oct. 2015-Sep. 2016 with Oct. 2016-Sep. 2017. Part of this year-to-year increase can be

attributed to the CFPB updating its student loan complaint form to accept complaints about federal student loan servicing, starting in late February

2016. The Bureau also initiated an enforcement action against a large student loan servicer during the time period covered by this report.

3 Total outstanding student loan debt balance is from the CFPB's analysis of State Level Household Debt Statistics 1999-2016, Federal Reserve

Bank of New York, May 2017.

4 Map shows complaints by geocoded zipcode.

This report uses dynamic data as of Oct. 1, 2017 and may differ slightly from other public reports. Please visit consumerfinance.gov/complaint to

learn how we handle complaints.

Consumer Financial 

Protection Bureau Learn more at consumerfinance.gov
 

 

 

Student loan and debt collection complaints from student loan borrowers in Louisiana4

Type of complaint

● Student loan

■ Debt collection

Number of complaints

1

5

10

15

Louisiana

Total student loan complaints Change in volume of student

handled1 loan complaints handled2

518 complaints +129%

Total debt collection complaints Change in volume of debt

handled related to student loans1 collection complaints

handled related to student 143 complaints loans2

+22%

Total outstanding

student loan debt

balance as of 20163

$18.41 billion

1 Complaints handled by the CFPB from July 21, 2011 through September 30, 2017.

2 Percentage change in complaint volume compares Oct. 2015-Sep. 2016 with Oct. 2016-Sep. 2017. Part of this year-to-year increase can be

attributed to the CFPB updating its student loan complaint form to accept complaints about federal student loan servicing, starting in late February

2016. The Bureau also initiated an enforcement action against a large student loan servicer during the time period covered by this report.

3 Total outstanding student loan debt balance is from the CFPB's analysis of State Level Household Debt Statistics 1999-2016, Federal Reserve

Bank of New York, May 2017.

4 Map shows complaints by geocoded zipcode.

This report uses dynamic data as of Oct. 1, 2017 and may differ slightly from other public reports. Please visit consumerfinance.gov/complaint to

learn how we handle complaints.

Consumer Financial 

Protection Bureau Learn more at consumerfinance.gov
 

 

 

 

 

 

 

 

 

Type of complaint

● Student loan

■ Debt collection

Number of complaints

1

5

10

13

Maine

Total student loan complaints Change in volume of student

handled1 loan complaints handled2

241 complaints +100%

Total debt collection complaints Change in volume of debt

handled related to student loans1 collection complaints

handled related to student 36 complaints loans2

+60%

Total outstanding

student loan debt

balance as of 20163

$5.9 billion

Student loan and debt collection complaints from student loan borrowers in Maine4

1 Complaints handled by the CFPB from July 21, 2011 through September 30, 2017.

2 Percentage change in complaint volume compares Oct. 2015-Sep. 2016 with Oct. 2016-Sep. 2017. Part of this year-to-year increase can be

attributed to the CFPB updating its student loan complaint form to accept complaints about federal student loan servicing, starting in late February

2016. The Bureau also initiated an enforcement action against a large student loan servicer during the time period covered by this report.

3 Total outstanding student loan debt balance is from the CFPB's analysis of State Level Household Debt Statistics 1999-2016, Federal Reserve

Bank of New York, May 2017.

4 Map shows complaints by geocoded zipcode.

This report uses dynamic data as of Oct. 1, 2017 and may differ slightly from other public reports. Please visit consumerfinance.gov/complaint to

learn how we handle complaints.

Consumer Financial 

Protection Bureau Learn more at consumerfinance.gov
 

 

 

 

 

 

 

 

 

Type of complaint

●

■

Student loan

Debt collection

Number of complaints

1

10

20

30

41

Maryland

Total student loan complaints Change in volume of student

handled1 loan complaints handled2

1,492 complaints +78%

Total debt collection complaints Change in volume of debt

handled related to student loans1 collection complaints

handled related to student 276 complaints loans2

-12%

Total outstanding

student loan debt

balance as of 20163

$30.33 billion

Student loan and debt collection complaints from student loan borrowers in Maryland4

1 Complaints handled by the CFPB from July 21, 2011 through September 30, 2017.

2 Percentage change in complaint volume compares Oct. 2015-Sep. 2016 with Oct. 2016-Sep. 2017. Part of this year-to-year increase can be

attributed to the CFPB updating its student loan complaint form to accept complaints about federal student loan servicing, starting in late February

2016. The Bureau also initiated an enforcement action against a large student loan servicer during the time period covered by this report.

3 Total outstanding student loan debt balance is from the CFPB's analysis of State Level Household Debt Statistics 1999-2016, Federal Reserve

Bank of New York, May 2017.

4 Map shows complaints by geocoded zipcode.

This report uses dynamic data as of Oct. 1, 2017 and may differ slightly from other public reports. Please visit consumerfinance.gov/complaint to

learn how we handle complaints.

Consumer Financial 

Protection Bureau Learn more at consumerfinance.gov
 

 

 

 

 

 

 

 

 

Massachusetts

Total student loan complaints Change in volume of student

handled1 loan complaints handled2

1,361 complaints +77%

Total debt collection complaints Change in volume of debt

handled related to student loans1 collection complaints

handled related to student 183 complaints loans2

+9%

Total outstanding

student loan debt

balance as of 20163

$32.83 billion

Student loan and debt collection complaints from student loan borrowers in

Massachusetts4

Type of complaint

●

■

Student loan

Debt collection

Number of complaints

1

5

10

15

20

26

1 Complaints handled by the CFPB from July 21, 2011 through September 30, 2017.

2 Percentage change in complaint volume compares Oct. 2015-Sep. 2016 with Oct. 2016-Sep. 2017. Part of this year-to-year increase can be

attributed to the CFPB updating its student loan complaint form to accept complaints about federal student loan servicing, starting in late February

2016. The Bureau also initiated an enforcement action against a large student loan servicer during the time period covered by this report.

3 Total outstanding student loan debt balance is from the CFPB's analysis of State Level Household Debt Statistics 1999-2016, Federal Reserve

Bank of New York, May 2017.

4 Map shows complaints by geocoded zipcode.

This report uses dynamic data as of Oct. 1, 2017 and may differ slightly from other public reports. Please visit consumerfinance.gov/complaint to

learn how we handle complaints.

Consumer Financial 

Protection Bureau Learn more at consumerfinance.gov
 

 

 

 

 

 

 

 

 

Type of complaint

● Student loan

■ Debt collection

Number of complaints

1

5

10

15

20

Michigan

Total student loan complaints Change in volume of student

handled1 loan complaints handled2

1,628 complaints +54%

Total debt collection complaints Change in volume of debt

handled related to student loans1 collection complaints

handled related to student 330 complaints loans2

+28%

Total outstanding

student loan debt

balance as of 20163

$44.55 billion

Student loan and debt collection complaints from student loan borrowers in Michigan4

1 Complaints handled by the CFPB from July 21, 2011 through September 30, 2017.

2 Percentage change in complaint volume compares Oct. 2015-Sep. 2016 with Oct. 2016-Sep. 2017. Part of this year-to-year increase can be

attributed to the CFPB updating its student loan complaint form to accept complaints about federal student loan servicing, starting in late February

2016. The Bureau also initiated an enforcement action against a large student loan servicer during the time period covered by this report.

3 Total outstanding student loan debt balance is from the CFPB's analysis of State Level Household Debt Statistics 1999-2016, Federal Reserve

Bank of New York, May 2017.

4 Map shows complaints by geocoded zipcode.

This report uses dynamic data as of Oct. 1, 2017 and may differ slightly from other public reports. Please visit consumerfinance.gov/complaint to

learn how we handle complaints.

Consumer Financial 

Protection Bureau Learn more at consumerfinance.gov
 

 

 

 

 

 

 

 

 

Type of complaint

● Student loan

■ Debt collection

Number of complaints

1

5

10

14

Minnesota

Total student loan complaints Change in volume of student

handled1 loan complaints handled2

828 complaints +70%

Total debt collection complaints Change in volume of debt

handled related to student loans1 collection complaints

handled related to student 142 complaints loans2

-50%

Total outstanding

student loan debt

balance as of 20163

$26.85 billion

Student loan and debt collection complaints from student loan borrowers in Minnesota4

1 Complaints handled by the CFPB from July 21, 2011 through September 30, 2017.

2 Percentage change in complaint volume compares Oct. 2015-Sep. 2016 with Oct. 2016-Sep. 2017. Part of this year-to-year increase can be

attributed to the CFPB updating its student loan complaint form to accept complaints about federal student loan servicing, starting in late February

2016. The Bureau also initiated an enforcement action against a large student loan servicer during the time period covered by this report.

3 Total outstanding student loan debt balance is from the CFPB's analysis of State Level Household Debt Statistics 1999-2016, Federal Reserve

Bank of New York, May 2017.

4 Map shows complaints by geocoded zipcode.

This report uses dynamic data as of Oct. 1, 2017 and may differ slightly from other public reports. Please visit consumerfinance.gov/complaint to

learn how we handle complaints.

Consumer Financial 

Protection Bureau Learn more at consumerfinance.gov
 

 

 

 

 

 

 

 

 

Type of complaint

● Student loan

■ Debt collection

Number of complaints

1

5

10

15

Mississippi

Total student loan complaints Change in volume of student

handled1 loan complaints handled2

297 complaints +125%

Total debt collection complaints Change in volume of debt

handled related to student loans1 collection complaints

handled related to student 79 complaints loans2

-33%

Total outstanding

student loan debt

balance as of 20163

$12.69 billion

Student loan and debt collection complaints from student loan borrowers in Mississippi4

1 Complaints handled by the CFPB from July 21, 2011 through September 30, 2017.

2 Percentage change in complaint volume compares Oct. 2015-Sep. 2016 with Oct. 2016-Sep. 2017. Part of this year-to-year increase can be

attributed to the CFPB updating its student loan complaint form to accept complaints about federal student loan servicing, starting in late February

2016. The Bureau also initiated an enforcement action against a large student loan servicer during the time period covered by this report.

3 Total outstanding student loan debt balance is from the CFPB's analysis of State Level Household Debt Statistics 1999-2016, Federal Reserve

Bank of New York, May 2017.

4 Map shows complaints by geocoded zipcode.

This report uses dynamic data as of Oct. 1, 2017 and may differ slightly from other public reports. Please visit consumerfinance.gov/complaint to

learn how we handle complaints.

Consumer Financial 

Protection Bureau Learn more at consumerfinance.gov
 

 

 

 

 

 

 

 

 

Type of complaint

● Student loan

■ Debt collection

Number of complaints

1

5

10

15

20

Missouri

Total student loan complaints Change in volume of student

handled1 loan complaints handled2

972 complaints +72%

Total debt collection complaints Change in volume of debt

handled related to student loans1 collection complaints

handled related to student 183 complaints loans2

+38%

Total outstanding

student loan debt

balance as of 20163

$25.35 billion

Student loan and debt collection complaints from student loan borrowers in Missouri4

1 Complaints handled by the CFPB from July 21, 2011 through September 30, 2017.

2 Percentage change in complaint volume compares Oct. 2015-Sep. 2016 with Oct. 2016-Sep. 2017. Part of this year-to-year increase can be

attributed to the CFPB updating its student loan complaint form to accept complaints about federal student loan servicing, starting in late February

2016. The Bureau also initiated an enforcement action against a large student loan servicer during the time period covered by this report.

3 Total outstanding student loan debt balance is from the CFPB's analysis of State Level Household Debt Statistics 1999-2016, Federal Reserve

Bank of New York, May 2017.

4 Map shows complaints by geocoded zipcode.

This report uses dynamic data as of Oct. 1, 2017 and may differ slightly from other public reports. Please visit consumerfinance.gov/complaint to

learn how we handle complaints.

Consumer Financial 

Protection Bureau Learn more at consumerfinance.gov
 

 

 

 

 

 

 

 

 

Montana

Total student loan complaints Change in volume of student

handled1 loan complaints handled2

121 complaints +194%

Total debt collection complaints Change in volume of debt

handled related to student loans1 collection complaints

handled related to student 26 complaints loans2

0%

Total outstanding

student loan debt

balance as of 20163

$3.44 billion

Student loan and debt collection complaints from student loan borrowers in Montana4

Type of complaint

●

■

Student loan

Debt collection

Number of complaints

1

5

10

12

1 Complaints handled by the CFPB from July 21, 2011 through September 30, 2017.

2 Percentage change in complaint volume compares Oct. 2015-Sep. 2016 with Oct. 2016-Sep. 2017. Part of this year-to-year increase can be

attributed to the CFPB updating its student loan complaint form to accept complaints about federal student loan servicing, starting in late February

2016. The Bureau also initiated an enforcement action against a large student loan servicer during the time period covered by this report.

3 Total outstanding student loan debt balance is from the CFPB's analysis of State Level Household Debt Statistics 1999-2016, Federal Reserve

Bank of New York, May 2017.

4 Map shows complaints by geocoded zipcode.

This report uses dynamic data as of Oct. 1, 2017 and may differ slightly from other public reports. Please visit consumerfinance.gov/complaint to

learn how we handle complaints.

Consumer Financial 

Protection Bureau Learn more at consumerfinance.gov
 

 

 

 

 

 

 

 

 

Type of complaint

● Student loan

■ Debt collection

Number of complaints

1

5

10

12

Nebraska

Total student loan complaints Change in volume of student

handled1 loan complaints handled2

260 complaints +67%

Total debt collection complaints Change in volume of debt

handled related to student loans1 collection complaints

handled related to student 49 complaints loans2

+50%

Total outstanding

student loan debt

balance as of 20163

$7.24 billion

Student loan and debt collection complaints from student loan borrowers in Nebraska4

1 Complaints handled by the CFPB from July 21, 2011 through September 30, 2017.

2 Percentage change in complaint volume compares Oct. 2015-Sep. 2016 with Oct. 2016-Sep. 2017. Part of this year-to-year increase can be

attributed to the CFPB updating its student loan complaint form to accept complaints about federal student loan servicing, starting in late February

2016. The Bureau also initiated an enforcement action against a large student loan servicer during the time period covered by this report.

3 Total outstanding student loan debt balance is from the CFPB's analysis of State Level Household Debt Statistics 1999-2016, Federal Reserve

Bank of New York, May 2017.

4 Map shows complaints by geocoded zipcode.

This report uses dynamic data as of Oct. 1, 2017 and may differ slightly from other public reports. Please visit consumerfinance.gov/complaint to

learn how we handle complaints.

Consumer Financial 

Protection Bureau Learn more at consumerfinance.gov
 

 

 

 

 

 

 

 

 

Type of complaint

● Student loan

■ Debt collection

Number of complaints

1

5

10

15

20

23

Nevada

Total student loan complaints Change in volume of student

handled1 loan complaints handled2

410 complaints +66%

Total debt collection complaints Change in volume of debt

handled related to student loans1 collection complaints

handled related to student 100 complaints loans2

+117%

Total outstanding

student loan debt

balance as of 20163

$8.58 billion

Student loan and debt collection complaints from student loan borrowers in Nevada4

1 Complaints handled by the CFPB from July 21, 2011 through September 30, 2017.

2 Percentage change in complaint volume compares Oct. 2015-Sep. 2016 with Oct. 2016-Sep. 2017. Part of this year-to-year increase can be

attributed to the CFPB updating its student loan complaint form to accept complaints about federal student loan servicing, starting in late February

2016. The Bureau also initiated an enforcement action against a large student loan servicer during the time period covered by this report.

3 Total outstanding student loan debt balance is from the CFPB's analysis of State Level Household Debt Statistics 1999-2016, Federal Reserve

Bank of New York, May 2017.

4 Map shows complaints by geocoded zipcode.

This report uses dynamic data as of Oct. 1, 2017 and may differ slightly from other public reports. Please visit consumerfinance.gov/complaint to

learn how we handle complaints.

Consumer Financial 

Protection Bureau Learn more at consumerfinance.gov
 

 

 

 

 

 

 

 

 

Type of complaint

● Student loan

■ Debt collection

Number of complaints

1

5

10

15

New Hampshire

Total student loan complaints Change in volume of student

handled1 loan complaints handled2

298 complaints +96%

Total debt collection complaints Change in volume of debt

handled related to student loans1 collection complaints

handled related to student 36 complaints loans2

-25%

Total outstanding

student loan debt

balance as of 20163

$6.52 billion

Student loan and debt collection complaints from student loan borrowers in New

Hampshire4

1 Complaints handled by the CFPB from July 21, 2011 through September 30, 2017.

2 Percentage change in complaint volume compares Oct. 2015-Sep. 2016 with Oct. 2016-Sep. 2017. Part of this year-to-year increase can be

attributed to the CFPB updating its student loan complaint form to accept complaints about federal student loan servicing, starting in late February

2016. The Bureau also initiated an enforcement action against a large student loan servicer during the time period covered by this report.

3 Total outstanding student loan debt balance is from the CFPB's analysis of State Level Household Debt Statistics 1999-2016, Federal Reserve

Bank of New York, May 2017.

4 Map shows complaints by geocoded zipcode.

This report uses dynamic data as of Oct. 1, 2017 and may differ slightly from other public reports. Please visit consumerfinance.gov/complaint to

learn how we handle complaints.

Consumer Financial 

Protection Bureau Learn more at consumerfinance.gov
 

 

 

 

 

 

 

 

 

Type of complaint

● Student loan

■ Debt collection

Number of complaints

1

5

10

15

20

23

New Jersey

Total student loan complaints Change in volume of student

handled1 loan complaints handled2

1,898 complaints +77%

Total debt collection complaints Change in volume of debt

handled related to student loans1 collection complaints

handled related to student 314 complaints loans2

+38%

Total outstanding

student loan debt

balance as of 20163

$41.67 billion

Student loan and debt collection complaints from student loan borrowers in New Jersey4

1 Complaints handled by the CFPB from July 21, 2011 through September 30, 2017.

2 Percentage change in complaint volume compares Oct. 2015-Sep. 2016 with Oct. 2016-Sep. 2017. Part of this year-to-year increase can be

attributed to the CFPB updating its student loan complaint form to accept complaints about federal student loan servicing, starting in late February

2016. The Bureau also initiated an enforcement action against a large student loan servicer during the time period covered by this report.

3 Total outstanding student loan debt balance is from the CFPB's analysis of State Level Household Debt Statistics 1999-2016, Federal Reserve

Bank of New York, May 2017.

4 Map shows complaints by geocoded zipcode.

This report uses dynamic data as of Oct. 1, 2017 and may differ slightly from other public reports. Please visit consumerfinance.gov/complaint to

learn how we handle complaints.

Consumer Financial 

Protection Bureau Learn more at consumerfinance.gov
 

 

 

 

 

 

 

 

 

Type of complaint

● Student loan

■ Debt collection

Number of complaints

1

5

10

15

New Mexico

Total student loan complaints Change in volume of student

handled1 loan complaints handled2

233 complaints +28%

Total debt collection complaints Change in volume of debt

handled related to student loans1 collection complaints

handled related to student 50 complaints loans2

+22%

Total outstanding

student loan debt

balance as of 20163

$6.27 billion

Student loan and debt collection complaints from student loan borrowers in New Mexico4

1 Complaints handled by the CFPB from July 21, 2011 through September 30, 2017.

2 Percentage change in complaint volume compares Oct. 2015-Sep. 2016 with Oct. 2016-Sep. 2017. Part of this year-to-year increase can be

attributed to the CFPB updating its student loan complaint form to accept complaints about federal student loan servicing, starting in late February

2016. The Bureau also initiated an enforcement action against a large student loan servicer during the time period covered by this report.

3 Total outstanding student loan debt balance is from the CFPB's analysis of State Level Household Debt Statistics 1999-2016, Federal Reserve

Bank of New York, May 2017.

4 Map shows complaints by geocoded zipcode.

This report uses dynamic data as of Oct. 1, 2017 and may differ slightly from other public reports. Please visit consumerfinance.gov/complaint to

learn how we handle complaints.

Consumer Financial 

Protection Bureau Learn more at consumerfinance.gov
 

 

 

 

 

 

 

 

 

New York

Total student loan complaints Change in volume of student

handled1 loan complaints handled2

3,764 complaints +94%

Total debt collection complaints Change in volume of debt

handled related to student loans1 collection complaints

handled related to student 628 complaints loans2

-9%

Total outstanding

student loan debt

balance as of 20163

$86.54 billion

Student loan and debt collection complaints from student loan borrowers in New York4

Type of complaint

●

■

Student loan

Debt collection

Number of complaints

1

10

20

30

42

1 Complaints handled by the CFPB from July 21, 2011 through September 30, 2017.

2 Percentage change in complaint volume compares Oct. 2015-Sep. 2016 with Oct. 2016-Sep. 2017. Part of this year-to-year increase can be

attributed to the CFPB updating its student loan complaint form to accept complaints about federal student loan servicing, starting in late February

2016. The Bureau also initiated an enforcement action against a large student loan servicer during the time period covered by this report.

3 Total outstanding student loan debt balance is from the CFPB's analysis of State Level Household Debt Statistics 1999-2016, Federal Reserve

Bank of New York, May 2017.

4 Map shows complaints by geocoded zipcode.

This report uses dynamic data as of Oct. 1, 2017 and may differ slightly from other public reports. Please visit consumerfinance.gov/complaint to

learn how we handle complaints.

Consumer Financial 

Protection Bureau Learn more at consumerfinance.gov
 

 

 

 

 

 

 

 

 

Type of complaint

● Student loan

■ Debt collection

Number of complaints

1

10

20

30

North Carolina

Total student loan complaints Change in volume of student

handled1 loan complaints handled2

1,356 complaints +170%

Total debt collection complaints Change in volume of debt

handled related to student loans1 collection complaints

handled related to student 304 complaints loans2

+72%

Total outstanding

student loan debt

balance as of 20163

$38.19 billion

Student loan and debt collection complaints from student loan borrowers in North

Carolina4

1 Complaints handled by the CFPB from July 21, 2011 through September 30, 2017.

2 Percentage change in complaint volume compares Oct. 2015-Sep. 2016 with Oct. 2016-Sep. 2017. Part of this year-to-year increase can be

attributed to the CFPB updating its student loan complaint form to accept complaints about federal student loan servicing, starting in late February

2016. The Bureau also initiated an enforcement action against a large student loan servicer during the time period covered by this report.

3 Total outstanding student loan debt balance is from the CFPB's analysis of State Level Household Debt Statistics 1999-2016, Federal Reserve

Bank of New York, May 2017.

4 Map shows complaints by geocoded zipcode.

This report uses dynamic data as of Oct. 1, 2017 and may differ slightly from other public reports. Please visit consumerfinance.gov/complaint to

learn how we handle complaints.

Consumer Financial 

Protection Bureau Learn more at consumerfinance.gov
 

 

 

 

 

 

 

 

 

North Dakota

Total student loan complaints Change in volume of student

handled1 loan complaints handled2

54 complaints +45%

Total debt collection complaints Change in volume of debt

handled related to student loans1 collection complaints

handled related to student 23 complaints loans2

+125%

Total outstanding

student loan debt

balance as of 20163

$2.93 billion

Student loan and debt collection complaints from student loan borrowers in North Dakota4

Type of complaint

●

■

Student loan

Debt collection

Number of complaints

1

2

3

4

5

6

1 Complaints handled by the CFPB from July 21, 2011 through September 30, 2017.

2 Percentage change in complaint volume compares Oct. 2015-Sep. 2016 with Oct. 2016-Sep. 2017. Part of this year-to-year increase can be

attributed to the CFPB updating its student loan complaint form to accept complaints about federal student loan servicing, starting in late February

2016. The Bureau also initiated an enforcement action against a large student loan servicer during the time period covered by this report.

3 Total outstanding student loan debt balance is from the CFPB's analysis of State Level Household Debt Statistics 1999-2016, Federal Reserve

Bank of New York, May 2017.

4 Map shows complaints by geocoded zipcode.

This report uses dynamic data as of Oct. 1, 2017 and may differ slightly from other public reports. Please visit consumerfinance.gov/complaint to

learn how we handle complaints.

Consumer Financial 

Protection Bureau Learn more at consumerfinance.gov
 

 

 

 

 

 

 

 

 

Type of complaint

● Student loan

■ Debt collection

Number of complaints

1

10

20

33

Ohio

Total student loan complaints Change in volume of student

handled1 loan complaints handled2

2,120 complaints +78%

Total debt collection complaints Change in volume of debt

handled related to student loans1 collection complaints

handled related to student 344 complaints loans2

+35%

Total outstanding

student loan debt

balance as of 20163

$57.61 billion

Student loan and debt collection complaints from student loan borrowers in Ohio4

1 Complaints handled by the CFPB from July 21, 2011 through September 30, 2017.

2 Percentage change in complaint volume compares Oct. 2015-Sep. 2016 with Oct. 2016-Sep. 2017. Part of this year-to-year increase can be

attributed to the CFPB updating its student loan complaint form to accept complaints about federal student loan servicing, starting in late February

2016. The Bureau also initiated an enforcement action against a large student loan servicer during the time period covered by this report.

3 Total outstanding student loan debt balance is from the CFPB's analysis of State Level Household Debt Statistics 1999-2016, Federal Reserve

Bank of New York, May 2017.

4 Map shows complaints by geocoded zipcode.

This report uses dynamic data as of Oct. 1, 2017 and may differ slightly from other public reports. Please visit consumerfinance.gov/complaint to

learn how we handle complaints.

Consumer Financial 

Protection Bureau Learn more at consumerfinance.gov
 

 

 

 

 

 

 

 

 

Type of complaint

●

■

Student loan

Debt collection

Number of complaints

1

2

4

6

8

10

Oklahoma

Total student loan complaints Change in volume of student

handled1 loan complaints handled2

390 complaints +72%

Total debt collection complaints Change in volume of debt

handled related to student loans1 collection complaints

handled related to student 77 complaints loans2

-50%

Total outstanding

student loan debt

balance as of 20163

$13.0 billion

Student loan and debt collection complaints from student loan borrowers in Oklahoma4

1 Complaints handled by the CFPB from July 21, 2011 through September 30, 2017.

2 Percentage change in complaint volume compares Oct. 2015-Sep. 2016 with Oct. 2016-Sep. 2017. Part of this year-to-year increase can be

attributed to the CFPB updating its student loan complaint form to accept complaints about federal student loan servicing, starting in late February

2016. The Bureau also initiated an enforcement action against a large student loan servicer during the time period covered by this report.

3 Total outstanding student loan debt balance is from the CFPB's analysis of State Level Household Debt Statistics 1999-2016, Federal Reserve

Bank of New York, May 2017.

4 Map shows complaints by geocoded zipcode.

This report uses dynamic data as of Oct. 1, 2017 and may differ slightly from other public reports. Please visit consumerfinance.gov/complaint to

learn how we handle complaints.

Consumer Financial 

Protection Bureau Learn more at consumerfinance.gov
 

 

 

 

 

 

 

 

 

Oregon

Total student loan complaints Change in volume of student

handled1 loan complaints handled2

704 complaints +69%

Total debt collection complaints Change in volume of debt

handled related to student loans1 collection complaints

handled related to student 114 complaints loans2

-22%

Total outstanding

student loan debt

balance as of 20163

$18.05 billion

Student loan and debt collection complaints from student loan borrowers in Oregon4

Type of complaint

●

■

Student loan

Debt collection

Number of complaints

1

5

10

15

20

26

1 Complaints handled by the CFPB from July 21, 2011 through September 30, 2017.

2 Percentage change in complaint volume compares Oct. 2015-Sep. 2016 with Oct. 2016-Sep. 2017. Part of this year-to-year increase can be

attributed to the CFPB updating its student loan complaint form to accept complaints about federal student loan servicing, starting in late February

2016. The Bureau also initiated an enforcement action against a large student loan servicer during the time period covered by this report.

3 Total outstanding student loan debt balance is from the CFPB's analysis of State Level Household Debt Statistics 1999-2016, Federal Reserve

Bank of New York, May 2017.

4 Map shows complaints by geocoded zipcode.

This report uses dynamic data as of Oct. 1, 2017 and may differ slightly from other public reports. Please visit consumerfinance.gov/complaint to

learn how we handle complaints.

Consumer Financial 

Protection Bureau Learn more at consumerfinance.gov
 

 

 

 

 

 

 

 

 

Pennsylvania

Total student loan complaints Change in volume of student

handled1 loan complaints handled2

2,651 complaints +111%

Total debt collection complaints Change in volume of debt

handled related to student loans1 collection complaints

handled related to student 357 complaints loans2

-32%

Total outstanding

student loan debt

balance as of 20163

$61.83 billion

Student loan and debt collection complaints from student loan borrowers in Pennsylvania4

Type of complaint

●

■

Student loan

Debt collection

Number of complaints

1

10

20

33

1 Complaints handled by the CFPB from July 21, 2011 through September 30, 2017.

2 Percentage change in complaint volume compares Oct. 2015-Sep. 2016 with Oct. 2016-Sep. 2017. Part of this year-to-year increase can be

attributed to the CFPB updating its student loan complaint form to accept complaints about federal student loan servicing, starting in late February

2016. The Bureau also initiated an enforcement action against a large student loan servicer during the time period covered by this report.

3 Total outstanding student loan debt balance is from the CFPB's analysis of State Level Household Debt Statistics 1999-2016, Federal Reserve

Bank of New York, May 2017.

4 Map shows complaints by geocoded zipcode.

This report uses dynamic data as of Oct. 1, 2017 and may differ slightly from other public reports. Please visit consumerfinance.gov/complaint to

learn how we handle complaints.

Consumer Financial 

Protection Bureau Learn more at consumerfinance.gov
 

 

 

 

 

 

 

 

 

Type of complaint

● Student loan

■ Debt collection

Number of complaints

1

5

10

13

Rhode Island

Total student loan complaints Change in volume of student

handled1 loan complaints handled2

162 complaints +70%

Total debt collection complaints Change in volume of debt

handled related to student loans1 collection complaints

handled related to student 30 complaints loans2

+75%

Total outstanding

student loan debt

balance as of 20163

$4.37 billion

Student loan and debt collection complaints from student loan borrowers in Rhode Island4

1 Complaints handled by the CFPB from July 21, 2011 through September 30, 2017.

2 Percentage change in complaint volume compares Oct. 2015-Sep. 2016 with Oct. 2016-Sep. 2017. Part of this year-to-year increase can be

attributed to the CFPB updating its student loan complaint form to accept complaints about federal student loan servicing, starting in late February

2016. The Bureau also initiated an enforcement action against a large student loan servicer during the time period covered by this report.

3 Total outstanding student loan debt balance is from the CFPB's analysis of State Level Household Debt Statistics 1999-2016, Federal Reserve

Bank of New York, May 2017.

4 Map shows complaints by geocoded zipcode.

This report uses dynamic data as of Oct. 1, 2017 and may differ slightly from other public reports. Please visit consumerfinance.gov/complaint to

learn how we handle complaints.

Consumer Financial 

Protection Bureau Learn more at consumerfinance.gov
 

 

 

 

 

 

 

 

 

South Carolina

Total student loan complaints Change in volume of student

handled1 loan complaints handled2

745 complaints +108%

Total debt collection complaints Change in volume of debt

handled related to student loans1 collection complaints

handled related to student 146 complaints loans2

-37%

Total outstanding

student loan debt

balance as of 20163

$21.64 billion

Student loan and debt collection complaints from student loan borrowers in South

Carolina4

Type of complaint

●

■

Student loan

Debt collection

Number of complaints

1

5

10

15

18

1 Complaints handled by the CFPB from July 21, 2011 through September 30, 2017.

2 Percentage change in complaint volume compares Oct. 2015-Sep. 2016 with Oct. 2016-Sep. 2017. Part of this year-to-year increase can be

attributed to the CFPB updating its student loan complaint form to accept complaints about federal student loan servicing, starting in late February

2016. The Bureau also initiated an enforcement action against a large student loan servicer during the time period covered by this report.

3 Total outstanding student loan debt balance is from the CFPB's analysis of State Level Household Debt Statistics 1999-2016, Federal Reserve

Bank of New York, May 2017.

4 Map shows complaints by geocoded zipcode.

This report uses dynamic data as of Oct. 1, 2017 and may differ slightly from other public reports. Please visit consumerfinance.gov/complaint to

learn how we handle complaints.

Consumer Financial 

Protection Bureau Learn more at consumerfinance.gov
 

 

 

 

 

 

 

 

 

South Dakota

Total student loan complaints Change in volume of student

handled1 loan complaints handled2

102 complaints +86%

Total debt collection complaints Change in volume of debt

handled related to student loans1 collection complaints

handled related to student 16 complaints loans2

0%

Total outstanding

student loan debt

balance as of 20163

$3.34 billion

Student loan and debt collection complaints from student loan borrowers in South

Dakota4

Type of complaint

●

■

Student loan

Debt collection

Number of complaints

1

2

4

6

8

10

1 Complaints handled by the CFPB from July 21, 2011 through September 30, 2017.

2 Percentage change in complaint volume compares Oct. 2015-Sep. 2016 with Oct. 2016-Sep. 2017. Part of this year-to-year increase can be

attributed to the CFPB updating its student loan complaint form to accept complaints about federal student loan servicing, starting in late February

2016. The Bureau also initiated an enforcement action against a large student loan servicer during the time period covered by this report.

3 Total outstanding student loan debt balance is from the CFPB's analysis of State Level Household Debt Statistics 1999-2016, Federal Reserve

Bank of New York, May 2017.

4 Map shows complaints by geocoded zipcode.

This report uses dynamic data as of Oct. 1, 2017 and may differ slightly from other public reports. Please visit consumerfinance.gov/complaint to

learn how we handle complaints.

Consumer Financial 

Protection Bureau Learn more at consumerfinance.gov
 

 

 

 

 

 

 

 

 

Type of complaint

● Student loan

■ Debt collection

Number of complaints

1

10

20

27

Tennessee

Total student loan complaints Change in volume of student

handled1 loan complaints handled2

892 complaints +84%

Total debt collection complaints Change in volume of debt

handled related to student loans1 collection complaints

handled related to student 197 complaints loans2

+28%

Total outstanding

student loan debt

balance as of 20163

$25.13 billion

Student loan and debt collection complaints from student loan borrowers in Tennessee4

1 Complaints handled by the CFPB from July 21, 2011 through September 30, 2017.

2 Percentage change in complaint volume compares Oct. 2015-Sep. 2016 with Oct. 2016-Sep. 2017. Part of this year-to-year increase can be

attributed to the CFPB updating its student loan complaint form to accept complaints about federal student loan servicing, starting in late February

2016. The Bureau also initiated an enforcement action against a large student loan servicer during the time period covered by this report.

3 Total outstanding student loan debt balance is from the CFPB's analysis of State Level Household Debt Statistics 1999-2016, Federal Reserve

Bank of New York, May 2017.

4 Map shows complaints by geocoded zipcode.

This report uses dynamic data as of Oct. 1, 2017 and may differ slightly from other public reports. Please visit consumerfinance.gov/complaint to

learn how we handle complaints.

Consumer Financial 

Protection Bureau Learn more at consumerfinance.gov
 

 

 

 

 

 

 

 

 

Type of complaint

● Student loan

■ Debt collection

Number of complaints

1

5

10

15

20

Texas

Total student loan complaints Change in volume of student

handled1 loan complaints handled2

3,130 complaints +118%

Total debt collection complaints Change in volume of debt

handled related to student loans1 collection complaints

handled related to student 630 complaints loans2

+34%

Total outstanding

student loan debt

balance as of 20163

$94.49 billion

Student loan and debt collection complaints from student loan borrowers in Texas4

1 Complaints handled by the CFPB from July 21, 2011 through September 30, 2017.

2 Percentage change in complaint volume compares Oct. 2015-Sep. 2016 with Oct. 2016-Sep. 2017. Part of this year-to-year increase can be

attributed to the CFPB updating its student loan complaint form to accept complaints about federal student loan servicing, starting in late February

2016. The Bureau also initiated an enforcement action against a large student loan servicer during the time period covered by this report.

3 Total outstanding student loan debt balance is from the CFPB's analysis of State Level Household Debt Statistics 1999-2016, Federal Reserve

Bank of New York, May 2017.

4 Map shows complaints by geocoded zipcode.

This report uses dynamic data as of Oct. 1, 2017 and may differ slightly from other public reports. Please visit consumerfinance.gov/complaint to

learn how we handle complaints.

Consumer Financial 

Protection Bureau Learn more at consumerfinance.gov
 

 

 

 

 

 

 

 

 

Type of complaint

● Student loan

■ Debt collection

Number of complaints

1

2

4

6

8

9

Utah

Total student loan complaints Change in volume of student

handled1 loan complaints handled2

277 complaints +46%

Total debt collection complaints Change in volume of debt

handled related to student loans1 collection complaints

handled related to student 60 complaints loans2

+17%

Total outstanding

student loan debt

balance as of 20163

$9.07 billion

Student loan and debt collection complaints from student loan borrowers in Utah4

1 Complaints handled by the CFPB from July 21, 2011 through September 30, 2017.

2 Percentage change in complaint volume compares Oct. 2015-Sep. 2016 with Oct. 2016-Sep. 2017. Part of this year-to-year increase can be

attributed to the CFPB updating its student loan complaint form to accept complaints about federal student loan servicing, starting in late February

2016. The Bureau also initiated an enforcement action against a large student loan servicer during the time period covered by this report.

3 Total outstanding student loan debt balance is from the CFPB's analysis of State Level Household Debt Statistics 1999-2016, Federal Reserve

Bank of New York, May 2017.

4 Map shows complaints by geocoded zipcode.

This report uses dynamic data as of Oct. 1, 2017 and may differ slightly from other public reports. Please visit consumerfinance.gov/complaint to

learn how we handle complaints.

Consumer Financial 

Protection Bureau Learn more at consumerfinance.gov
 

 

 

 

 

 

 

 

 

 

 

Type of complaint 

● Student loan 

■ Debt collection 

Number of complaints 

1 

2 

4 

6 

7 

Vermont

Total student loan complaints Change in volume of student 

handled1 loan complaints handled2 

140 complaints +55%

Total debt collection complaints Change in volume of debt 

handled related to student loans1 collection complaints 

handled related to student 

19 complaints loans2 

No prior year complaints

Total outstanding 

student loan debt 

balance as of 20163 

$2.8 billion

Student loan and debt collection complaints from student loan borrowers in Vermont4

1 Complaints handled by the CFPB from July 21, 2011 through September 30, 2017. 

2 Percentage change in complaint volume compares Oct. 2015-Sep. 2016 with Oct. 2016-Sep. 2017. Part of this year-to-year increase can be 

attributed to the CFPB updating its student loan complaint form to accept complaints about federal student loan servicing, starting in late February 

2016. The Bureau also initiated an enforcement action against a large student loan servicer during the time period covered by this report. For the 

2015-2016 time period, the number of debt collection complaints in this state is zero which makes the change N/A. 

3 Total outstanding student loan debt balance is from the CFPB's analysis of State Level Household Debt Statistics 1999-2016, Federal Reserve 

Bank of New York, May 2017. 

4 Map shows complaints by geocoded zipcode. 

This report uses dynamic data as of Oct. 1, 2017 and may differ slightly from other public reports. Please visit consumerfinance.gov/complaint to 

learn how we handle complaints. 

Consumer Financial 

Protection Bureau Learn more at consumerfinance.gov
 

 

 

 

 

 

 

 

 

Type of complaint

●

■

Student loan

Debt collection

Number of complaints

1

10

20

34

Virginia

Total student loan complaints Change in volume of student

handled1 loan complaints handled2

1,552 complaints +61%

Total debt collection complaints Change in volume of debt

handled related to student loans1 collection complaints

handled related to student 290 complaints loans2

-24%

Total outstanding

student loan debt

balance as of 20163

$36.57 billion

Student loan and debt collection complaints from student loan borrowers in Virginia4

1 Complaints handled by the CFPB from July 21, 2011 through September 30, 2017.

2 Percentage change in complaint volume compares Oct. 2015-Sep. 2016 with Oct. 2016-Sep. 2017. Part of this year-to-year increase can be

attributed to the CFPB updating its student loan complaint form to accept complaints about federal student loan servicing, starting in late February

2016. The Bureau also initiated an enforcement action against a large student loan servicer during the time period covered by this report.

3 Total outstanding student loan debt balance is from the CFPB's analysis of State Level Household Debt Statistics 1999-2016, Federal Reserve

Bank of New York, May 2017.

4 Map shows complaints by geocoded zipcode.

This report uses dynamic data as of Oct. 1, 2017 and may differ slightly from other public reports. Please visit consumerfinance.gov/complaint to

learn how we handle complaints.

Consumer Financial 

Protection Bureau Learn more at consumerfinance.gov
 

 

 

 

 

 

 

 

 

Washington

Total student loan complaints Change in volume of student

handled1 loan complaints handled2

1,464 complaints +200%

Total debt collection complaints Change in volume of debt

handled related to student loans1 collection complaints

handled related to student 237 complaints loans2

+28%

Total outstanding

student loan debt

balance as of 20163

$24.4 billion

Student loan and debt collection complaints from student loan borrowers in Washington4

Type of complaint

●

■

Student loan

Debt collection

Number of complaints

1

5

10

15

18

1 Complaints handled by the CFPB from July 21, 2011 through September 30, 2017.

2 Percentage change in complaint volume compares Oct. 2015-Sep. 2016 with Oct. 2016-Sep. 2017. Part of this year-to-year increase can be

attributed to the CFPB updating its student loan complaint form to accept complaints about federal student loan servicing, starting in late February

2016. The Bureau also initiated an enforcement action against a large student loan servicer during the time period covered by this report.

3 Total outstanding student loan debt balance is from the CFPB's analysis of State Level Household Debt Statistics 1999-2016, Federal Reserve

Bank of New York, May 2017.

4 Map shows complaints by geocoded zipcode.

This report uses dynamic data as of Oct. 1, 2017 and may differ slightly from other public reports. Please visit consumerfinance.gov/complaint to

learn how we handle complaints.

Consumer Financial 

Protection Bureau Learn more at consumerfinance.gov
 

 

 

 

 

 

 

 

 

West Virginia

Total student loan complaints Change in volume of student

handled1 loan complaints handled2

240 complaints +104%

Total debt collection complaints Change in volume of debt

handled related to student loans1 collection complaints

handled related to student 43 complaints loans2

-38%

Total outstanding

student loan debt

balance as of 20163

$6.2 billion

Student loan and debt collection complaints from student loan borrowers in West Virginia4

Type of complaint

●

■

Student loan

Debt collection

Number of complaints

1

5

10

15

1 Complaints handled by the CFPB from July 21, 2011 through September 30, 2017.

2 Percentage change in complaint volume compares Oct. 2015-Sep. 2016 with Oct. 2016-Sep. 2017. Part of this year-to-year increase can be

attributed to the CFPB updating its student loan complaint form to accept complaints about federal student loan servicing, starting in late February

2016. The Bureau also initiated an enforcement action against a large student loan servicer during the time period covered by this report.

3 Total outstanding student loan debt balance is from the CFPB's analysis of State Level Household Debt Statistics 1999-2016, Federal Reserve

Bank of New York, May 2017.

4 Map shows complaints by geocoded zipcode.

This report uses dynamic data as of Oct. 1, 2017 and may differ slightly from other public reports. Please visit consumerfinance.gov/complaint to

learn how we handle complaints.

Consumer Financial 

Protection Bureau Learn more at consumerfinance.gov
 

 

 

 

 

 

 

 

 

Type of complaint

● Student loan

■ Debt collection

Number of complaints

1

5

10

12

Wisconsin

Total student loan complaints Change in volume of student

handled1 loan complaints handled2

715 complaints +62%

Total debt collection complaints Change in volume of debt

handled related to student loans1 collection complaints

handled related to student 117 complaints loans2

-4%

Total outstanding

student loan debt

balance as of 20163

$24.4 billion

Student loan and debt collection complaints from student loan borrowers in Wisconsin4

1 Complaints handled by the CFPB from July 21, 2011 through September 30, 2017.

2 Percentage change in complaint volume compares Oct. 2015-Sep. 2016 with Oct. 2016-Sep. 2017. Part of this year-to-year increase can be

attributed to the CFPB updating its student loan complaint form to accept complaints about federal student loan servicing, starting in late February

2016. The Bureau also initiated an enforcement action against a large student loan servicer during the time period covered by this report.

3 Total outstanding student loan debt balance is from the CFPB's analysis of State Level Household Debt Statistics 1999-2016, Federal Reserve

Bank of New York, May 2017.

4 Map shows complaints by geocoded zipcode.

This report uses dynamic data as of Oct. 1, 2017 and may differ slightly from other public reports. Please visit consumerfinance.gov/complaint to

learn how we handle complaints.

Consumer Financial 

Protection Bureau Learn more at consumerfinance.gov
 

 

 

 

 

 

 

 

 

 

 

Wyoming

Total student loan complaints Change in volume of student 

handled1 loan complaints handled2 

60 complaints +6%

Total debt collection complaints Change in volume of debt 

handled related to student loans1 collection complaints 

handled related to student 

11 complaints loans2 

No prior year complaints

Total outstanding 

student loan debt 

balance as of 20163 

$1.53 billion

Student loan and debt collection complaints from student loan borrowers in Wyoming4

Type of complaint 

●

■

Student loan 

Debt collection 

Number of complaints 

1 

2 

4 

6 

8 

1 Complaints handled by the CFPB from July 21, 2011 through September 30, 2017. 

2 Percentage change in complaint volume compares Oct. 2015-Sep. 2016 with Oct. 2016-Sep. 2017. Part of this year-to-year increase can be 

attributed to the CFPB updating its student loan complaint form to accept complaints about federal student loan servicing, starting in late February 

2016. The Bureau also initiated an enforcement action against a large student loan servicer during the time period covered by this report. For the 

2015-2016 time period, the number of debt collection complaints in this state is zero which makes the change N/A. 

3 Total outstanding student loan debt balance is from the CFPB's analysis of State Level Household Debt Statistics 1999-2016, Federal Reserve 

Bank of New York, May 2017. 

4 Map shows complaints by geocoded zipcode. 

This report uses dynamic data as of Oct. 1, 2017 and may differ slightly from other public reports. Please visit consumerfinance.gov/complaint to 

learn how we handle complaints. 

Consumer Financial 

Protection Bureau Learn more at consumerfinance.gov
Commonwealth or Total student loan complaints Total debt collection complaints 

Territory handled handled related to student loans 

American Samoa 3 0

Federated States of 

Micronesia 1 3

Guam 8 2

Marshall Islands 2 1

Northern Mariana 5 0 Islands 

Palau 1 0

Puerto Rico 92 38

Virgin Islands 7 2

U.S. Commonwealths and Territories

Over 300,000 consumers living in U.S. Commonwealths (Northern Mariana 

Island and Puerto Rico), Freely Associated States (Federated States of 

Micronesia, the Marshall Islands, and Palau), or Territories (American Samoa, 

Guam, and the U.S. Virgin Islands), have student loan debt. The table below 

shows the number of complaints about student loans the CFPB handled from 

consumers living in U.S. Commonwealths, Freely Associated States, 

or Territories. 

Total outstanding 

student loan debt 

balance as of 2016 

$7+ billion

Total outstanding student loan debt balance is from the CFPB's analysis of State Level Household Debt Statistics 1999-2016, Federal Reserve 

Bank of New York, May 2017. 

Complaints handled by the CFPB from July 21, 2011 through September 30, 2017. 

This report uses dynamic data as of Oct. 1, 2017 and may differ slightly from other public reports. Please visit consumerfinance.gov/complaint to 

learn how we handle complaints. 

Consumer Financial 

Protection Bureau Learn more at consumerfinance.gov