CFPB Consumer Complaint Profile

Higher Education Student Assistance Authority (Hesaa)

What 316 consumer complaints filed with the Consumer Financial Protection Bureau reveal about how this company handles credit, billing and collection disputes.

316
Total complaints
8
Last 12 months
98.1%
Timely response
23
States affected

The verdict

Higher Education Student Assistance Authority (Hesaa) ranks #671 of 3,848 financial companies by CFPB complaint volume, with 316 complaints on record. It answers 98.1% of complaints on time — above the 93% median for companies with 100+ complaints.

#671
of 3,848 companies by volume
98.1%
answered on time
Student loan
most-complained product
23
states with complaints
Higher Education Student Assistance Authority (Hesaa) timely response rate 98.1%
Industry benchmark

Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.

Complaints by Product

Student loan — Non-federal student loan 150
Student loan — Private student loan 72
Credit reporting, credit repair services, or other personal consumer reports — Credit reporting 38
Student loan — Federal student loan servicing 28
Debt collection — Non-federal student loan 10
Debt collection — Private student loan debt 10
Credit reporting or other personal consumer reports — Credit reporting 2
Debt collection — Federal student loan debt 2
Debt collection — Credit card debt 1
Debt collection — I do not know 1

Top Issues

1.Can't repay my loan 57
2.Dealing with my lender or servicer 54
3.Dealing with your lender or servicer 50
4.Incorrect information on your report 35
5.Struggling to repay your loan 30
6.Repaying your loan 26
7.Problems when you are unable to pay 12
8.Problem with a credit reporting company's investigation into an existing problem 11
9.Getting a loan 8
10.Written notification about debt 6

Complaints by Year

Year Complaints
2012 19
2013 20
2014 34
2015 45
2016 39
2017 31
2018 25
2019 22
2020 17
2021 16
2022 18
2023 5
2024 15
2025 9
2026 1

Complaints by State (Top 15)

New Jersey 217
New York 20
Pennsylvania 13
Massachusetts 8
Florida 8
California 7
Georgia 6
North Carolina 6
Connecticut 4
Maryland 3
Delaware 3
Virginia 2
District of Columbia 2
Louisiana 2
Ohio 2

Company Responses

Closed with explanation 289
Closed with non-monetary relief 21
Closed with monetary relief 4
Closed 1
In progress 1

What the CFPB Complaint Record Shows for Higher Education Student Assistance Authority (Hesaa)

The CFPB Consumer Complaint Database has logged 316 complaints against Higher Education Student Assistance Authority (Hesaa) overall, with 8 of those filed in the trailing 12 months. Reports have come from consumers in 23 states and territories, making this a multi-regional complaint footprint. The single largest complaint category is "Student loan," which consistently leads the product-level breakdown and signals where consumer friction is most acute. Within that category, the most frequently cited specific issue is "Can't repay my loan" — a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.

Higher Education Student Assistance Authority (Hesaa)'s timely response rate stands at 98.1%, meaning that share of CFPB-forwarded complaints received a company reply within the 15-day window the Bureau expects. That figure is at or above the industry benchmark and suggests the company's intake and escalation processes are functioning as designed. Consumers formally disputed the company's response in 23.2% of resolved cases, a signal of how often the initial resolution failed to satisfy the complainant. Of complaints that were resolved, 7.9% closed with some form of monetary or non-monetary relief to the consumer.

Complaint counts alone do not tell the full story — larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration (which hints at regional servicing issues or regulatory exposure), and the ratio of monetary-relief closures to closed-without-relief outcomes. Taken together, these fields give consumers a reasonable empirical basis for deciding whether to escalate a dispute, and give researchers a starting point for investigating institutional patterns.

Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.

Frequently Asked Questions

How many CFPB complaints does Higher Education Student Assistance Authority (Hesaa) have?

Higher Education Student Assistance Authority (Hesaa) has 316 total consumer complaints filed with the CFPB, with 8 filed in the last 12 months.

Does Higher Education Student Assistance Authority (Hesaa) respond to complaints on time?

Higher Education Student Assistance Authority (Hesaa) has a 98.1% timely response rate to CFPB complaints. This is considered excellent.

What product generates the most complaints for Higher Education Student Assistance Authority (Hesaa)?

The most complained-about product for Higher Education Student Assistance Authority (Hesaa) is "Student loan." You can view the full product breakdown on this page.

What is the most common complaint issue with Higher Education Student Assistance Authority (Hesaa)?

The most common issue reported by consumers about Higher Education Student Assistance Authority (Hesaa) is "Can't repay my loan." All complaint issues are listed above with their counts.

How do I file a complaint against Higher Education Student Assistance Authority (Hesaa)?

You can file a complaint against Higher Education Student Assistance Authority (Hesaa) directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.

In how many states have consumers complained about Higher Education Student Assistance Authority (Hesaa)?

Consumers in 23 states and territories have filed complaints about Higher Education Student Assistance Authority (Hesaa) with the CFPB.

Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026

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