A New Jersey report on the Consumer Financial Protection Bureau's Consumer Complaints Database identified the private lenders that students in the state complained about the most. Sallie Mae ranked first - generating 81 complaints. The New Jersey Higher Education Student Assistance Authority received 25 complaints.

Sallie Mae also generated the most complaints in the nation – 1,983 – since March 2012, when the CFPB began accepting complaints. That total is 46% of the 4,300 complaints that have poured into the bureau’s system in that period, according to the New Jersey Public Interest Research Group's Law & Policy Center's report.

The CFPB takes complaints about private lenders, acting as a go-between. Its public Consumer Complaints Database tracks complaints and shows how they were resolved.

Sallie Mae offers customized assistance, including payment adjustments on more than $1.4 billion in private education loans. The company’s Office of the Customer Advocate reviews each complaint received through the CFPB, according to spokeswoman Patricia Christel.

The percentage of private student loans compared to all debt used to finance post-secondary education has dropped sharply in the last few years. That percentage amounted to 7.9% in the 2007-2008 school year and fell to 4.6% in the 2011-2012 school year, according to the College Board. Private loans are the most expensive way to finance an education.

Problems with the inability to repay a loan include default, debt collection and bankruptcy. Other issues regarding repayment include fees, billing, deferment, forbearance, fraud and credit reporting.

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