Office of Consumer Advocacy

The Pennsylvania Higher Education Assistance Agency’s (PHEAA) Office of Consumer Advocacy provides assistance to consumers with problems and concerns related to their student loans or grants that are serviced or administrated by PHEAA. Our knowledgeable analysts will serve as your liaison as needed throughout the review of your account. The Office of Consumer Advocacy strives to ensure that every consumer is treated fairly and that information regarding your account is communicated accurately and effectively.

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 some cases, particularly when addressing issues related to income driven repayment plans, loan forgiveness, deferments, forbearance, and loan discharges; 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 can you do to ensure the Office of Consumer Advocacy can provide you exemplary support?

  • Make sure to contact us only after you have tried to resolve your concerns with the contact center first.
  • Have your account or social security number available.
  • You must be an authorized party to discuss account specifics – if you do not contact us through your online account, make sure you provide your account number and date of birth for quick authorization.
  • Be transparent about your concerns and your desired outcome so that we may best serve your needs.
  • Provide any documentation you feel supports your concerns.
  • Contacting us through your online account is the most efficient entry point and provides an electronic record of your concerns.
  • Please be patient, researching your account thoroughly can be time consuming, but don’t forget, we are here to help you!
  • 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.
Contact Method Details
Via Account Access Sign in to your account to send a secure email:
By Email
By U.S. Mail PHEAA
The Office of Consumer Advocacy
1200 North 7th Street
Harrisburg, PA 17102
By Phone 1-800-213-9827 – Leave a recorded message.
Calls will be returned Monday to Friday, 8:00 AM to 5:00 PM (ET).

While the Office of Consumer Advocacy is not your first resource to address your concerns, we are also not your last resource. Several federal and state-level agencies provide consumers additional support when the consumer is dissatisfied.

Student Loan Ombudsperson/Advocate Offices

CFPB - General
Attn: CFPB Ombudsman’s Office
1700 G. St. N.W.
Washington, DC 20552
(855) 830-7880

CFPB - Private Student Loans
Attn: Bob Cameron
1700 G. St. N.W.
Washington, DC 20552
(844) 611-4260

California Department of Financial Protection and Innovation (DFPI)
DFPI Main Office – Sacramento
2101 Arena Boulevard
Sacramento, CA 95834
(916) 445-7205
(866) 275-2677

Colorado Attorney General’s Student Loan Ombudsperson
Office of the Attorney General
(702) 508-MySL (6975)

Department of Banking
260 Constitution Plaza
Hartford, CT 06103-1800
(860) 240-8299

District of Columbia
Student Loan Ombudsman
Department of Securities, Insurance & Banking
(202) 727-8000

Student Loan Ombudsman
Office of the Attorney General

Student Loan Ombudsman
Department of Professional and Financial Regulation
Bureau of Consumer Credit Protection
35 State House Station Augusta, ME 04333
(207) 624-8527

Student Loan Ombudsman
Office of the Commissioner of Financial Regulation
Maryland Department of Labor
500 North Calvert Street, Suite 402
Baltimore, MD 21202
(410) 230-6077

Ombudsman’s Student Loan Assistance Unit
Office of Attorney General
Insurance and Financial Services Division
1 Ashburton Place, 20th Floor
Boston, MA 02108
(617) 727-2200 (AG)
1-888-830-6277 (Unit)

Department of Commerce
Main Office, Golden Rule Building
85 7th Place East
Suite 280
Saint Paul, Minnesota 55101
(651) 539-1500
(651) 539-1441

Student Loan Ombudsman
Office of Nevada State Treasurer
555 E. Washington Ave
Suite 5200
Las Vegas, Nevada 89101
(702) 486-3384

New Jersey
Department of Banking and Insurance
Student Loan Ombudsman
Office of Consumer Finance

New York
Student Loan Advocate
NYS Department of Financial Services
New York City – Main Office
1 State Street
New York, NY 10004-1511

Rhode Island
Office of Attorney General
Consumer Protection Unit
(401) 274-4400

Office of the Qualified Education Loan Ombudsman
State Council of Higher Education for Virginia
Student Loan Advocate
101 N. 14th Street, 10th Floor
James Monroe Building
Richmond, VA 23219
(804) 225-2600
(804) 786-2832

Student Loan Advocate
Washington Student Achievement Council
917 Lakeridge Way SW
Olympia, WA 98502
(360) 753-7800