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What do I do if I think a student loan lender discriminated against me?

Under the Equal Credit Opportunity Act, it is illegal for a creditor or lender to discriminate against an applicant based on a number of factors.

These include:

  • Race
  • Color
  • Religion
  • National origin
  • Sex (including sexual orientation and gender identity)
  • Marital status
  • Age (if the applicant is old enough to enter into a contract)
  • Receipt of income from any public assistance program
  • Exercising in good faith a right under the Consumer Credit Protection Act, which includes consumer protection statutes relating to credit.

State or local law may prohibit discrimination on additional grounds.

This means that a creditor may not use any of the above grounds as a reason to:

  • Refuse you credit if you qualify for it
  • Discourage you from applying for credit
  • Provide you credit on terms that are different from the terms given to someone else who is similarly situated to you, such as having similar creditworthiness
  • Close your existing account

Submit a complaint with the CFPB

If you believe a lender has discriminated against you for any reason, you can submit a complaint with the CFPB online or by calling (855) 411-CFPB (2372). You’ll need the dates, amounts, and other details about your complaint before submitting. We’ll provide you a way to monitor the status and progress of your complaint.

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