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Welcome to the Student Loan Ombudsman - Financial Regulation

Last reviewed or updated: July 23, 2021

About us

On May 15, 2018, Governor Larry Hogan signed into law the Financial Consumer Protection Act of 2018 (2018 Md. Laws 732) (“Act”). The Act established a Student Loan Ombudsman (“Ombudsman”) designated by the Commissioner of Financial Regulation. The Act requires the Ombudsman to monitor student loan servicing activity in Maryland, and sets forth various duties of the Ombudsman.

Students graduatingThe Ombudsman will serve as a liaison between student loan borrowers and student loan servicers. The Act requires student loan servicers operating in Maryland to: (a) designate an individual to represent the student loan servicer in communications with the Ombudsman, and (b) provide the designee’s name, phone number, and e-mail address to the Ombudsman.

The Ombudsman will receive and review complaints from student loan borrowers and attempt to resolve those complaints. The Ombudsman may refer any matter that is abusive, unfair, deceptive, or fraudulent to the Maryland Office of the Attorney General for civil enforcement or criminal prosecution.

What steps should I take if I have a complaint with a student loan servicer?
In order to help you determine how best to resolve your complaint, view our resources page, which will assist you in determining how best to resolve your issue with your student loan servicer, including how to file a complaint with the Ombudsman using the Student Loan Consumer Complaint Form.

Read the Student Loan Borrower’s Bill of Rights

Download our Student Loan Ombudsman brochure

Download the Student Loan Ombudsman Report for Year Ending 2020

See the About Us page for Student Loan Ombudsman Reports from prior years.

Contact Information:
Student Loan Ombudsman
Office of the Commissioner of Financial Regulation
Maryland Department of Labor
500 North Calvert Street, Suite 402
Baltimore, MD 21202
Telephone: 410-230-6077
Toll-free: 1-888-784-0136
By e-mail: