If you are having difficulty repaying your education loans, see Solutions for Borrowers Who are Having Trouble Repaying Student Loans and Defaulting on Student Loans before you decide to skip a payment. These articles offer you several alternatives for repayment relief. (See also loan repayment protection for repayment assistance you can arrange for in advance when your loan is disbursed.)
Help with Federal Student Loan Problems
(The previous dedicated web page for the FSA Ombudsman, www.ombudsman.ed.gov. has been merged into the redesigned studentaid.ed.gov web site and no longer has a short URL.)
Help with Private Student Loan Problems
If you are having a problem with your private student loans, contact the Private Student Loan Ombudsman at the Consumer Financial Protection Bureau. The PSL ombudsman helps borrowers resolve problems and disputes concerning private student loans. These include complaints about payment problems, confusing advertising and marketing materials, billing disputes, deferment and forbearance issues, debt collection problems and credit reporting problems. You can contact the PSL Ombudsman by phone at 1-855-411-CFPB (1-855-411-2372), by fax at 1-855-237-2392, by mail at Consumer Financial Protection Bureau, Attn: Private Student Loan Ombudsman, PO Box 4503, Iowa City, IA 52244 and by visiting www.consumerfinance.gov.
Another source of assistance is the Student Loan Borrower Assistance Project run by the National Consumer Law Center. Their web site includes a detailed loan FAQ. a step-by-step guide to resolving loan problems and a list of lender and guarantor ombudsmen. The National Consumer Law Center does not, however, provide legal advice about individual cases. The web site also includes a section devoted to policy and legal issues and analysis concerning education debt. They also publish Student Loan Law. a detailed legal guide to remedies for borrowers who are having trouble repaying their student loans.
The American Bar Association has launched SafeBorrowing.com to help the public understand the risks associated with student loans and other forms of consumer debt.