What is the most common complaint against Student Loan Direct?

The most common issue consumers report about Student Loan Direct is "False statements or representation", specifically "Talked to a third-party about your debt". This is based on 2 complaints filed with the CFPB.

Are complaints against Student Loan Direct increasing or decreasing?

Complaints against Student Loan Direct are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.

What is Student Loan Direct's reputation grade?

Student Loan Direct has a reputation grade of C (score: 56.6/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Student Loan Direct respond to consumer complaints?

Student Loan Direct has a 50% timely response rate to CFPB complaints.

In how many states does Student Loan Direct operate?

Student Loan Direct has received CFPB complaints from consumers in 2 states, with the most complaints from Kansas (1 complaints).

This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

Student Loan Direct - Debt Collector Complaint Profile

CFPB complaint profile across 2 states, reputation grade C.

Compiled by PlainCollector

False statements or representation

1
Threatened to contact someone or share information improperly

1

Data updated September 2026

CFPB complaint disposition

CCDB record student-loan-direct Student Loan Direct

Grade C · 2 CFPB filings · 50% timely · lead issue: False statements or representation · vol #4353 · compose #3051

VOL 2
GRADE C
12MO 0
STATES 2
TIMELY 50%
ISSUE False statements or repres…
RANK #4,353
COMPOSE #3,051

Volume peers

Nearest volume peer: 1 Auto Finance, Inc. (2 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Student Loan Direct's 2 CFPB complaints sit next to 1 Auto Finance, Inc. on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

State-heavy filing map

50.0% of Student Loan Direct's CFPB filings land in Kansas

High volume does not equal a clean composite: Student Loan Direct is volume #4,353 but composite #3,051, while Kansas dominates the geography. Corpus placement method.

Dominant state: Kansas 50.0%; 1 of 2 filings · 2 states touched
Spike month: 2024-05 33.3%; 1 filings that month · spiky (≥15% of series)
Divergent corpus ranks: #4,353 volume; #3,051 composite; Cleanest-composite ladder is 1,302 places better than volume

How does Student Loan Direct compare to its peers?

How does Student Loan Direct compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

Student Loan Direct National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

50%

91%

Consumer-dispute ratelower is better

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2024-05 2025-07

Issue Detail Breakdown

Issue	Complaints
False statements or representation	1
Threatened to contact someone or share information improperly	1

Where do complaints against Student Loan Direct come from?

Student Loan Direct's own per-state count, not a national baseline.

Kansas

1
South Carolina

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Student Loan Direct: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 2.

4 peers

Know your rights before responding to Student Loan Direct: FDCPA rights guide · debt validation letter · rights library.

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.