Office of Consumer Advocacy

The Pennsylvania Higher Education Assistance Agency* (PHEAA) Office of Consumer Advocacy provides assistance to consumers with problems and concerns related to their student loans that are owned or serviced by PHEAA. Our knowledgeable analysts will listen to and investigate your concerns, and serve as your liaison with PHEAA operational staff regarding your issue. The Office of Consumer Advocacy strives to ensure that every consumer is treated fairly and that information regarding your student loan(s) is communicated accurately, effectively, and professionally.

The Office of Consumer Advocacy works with the PHEAA operational staff who manage your account to address questions and concerns and help you understand options that may be available to assist you. In many cases, particularly when addressing issues related to income driven repayment plans, deferments, forbearance, and loan discharge; available options are limited by and contingent upon the type of student loan you have, your promissory note or loan agreement, and applicable laws and regulations.

What does the Office of Consumer Advocacy expect from you?

  • Be transparent about your concerns and your situation so that we may best serve your needs.
  • Understand that our ability to address your concerns will be based upon – and in some cases limited by – applicable federal and state laws and regulations, the terms of your loan agreement or promissory note, and lender policies and guidelines.

If you have questions, problems or concerns regarding your PHEAA-owned or serviced student loan account, please do not hesitate to contact the PHEAA Office of Consumer Advocacy.

Contact Information:

Pennsylvania Higher Education Assistance Agency
The Office of Consumer Advocacy
1200 North 7th Street
Harrisburg, PA 17102

1-800-213-9827 Monday through Friday 8:00 AM - 5:00 PM (ET)