If you’re experiencing errors with your student loan servicer, such as misapplied payments, incorrect interest calculations, or difficulties with repayment plan enrollment, it’s important to document all communications and attempt to resolve the issue directly with the servicer. If you’re unable to reach a resolution, you can file a complaint with the New Jersey Student Loan Ombudsman at the Department of Banking & Insurance or the federal FSA Ombudsman. Additionally, if the servicer’s actions have caused you financial harm due to unfair or deceptive practices, you may have grounds for legal action under the New Jersey Consumer Fraud Act (CFA) or the Student Loan Servicing Law. The Kugel Law Firm can help you understand your rights and explore your options for seeking redress.