The Code of Virginia directs the State Council of Higher Education for Virginia (SCHEV) to submit an annual report to the House Committees on Labor, and Commerce and Education, and the Senate Committees on Commerce and Labor, and Education and Health on the implementation and overall effectiveness of the Office of the Qualified Education Loan Ombudsman (§ 23.1-234). Terms associated with the operation of the office are defined in § 23.1-231.

The following are the key findings from the 2025 annual report.

1. The Office of the Education Loan Ombudsman helped 1,009 Virginians with education loan issues during its first seven years of operation.

2. Primary services included: helping borrowers understand the complexity of their loans, troubleshooting eligibility issues for loan forgiveness, assisting borrowers to resume payments and helping those who felt they were defrauded or misled by their institutions.

3. The Student Loan Advocate delivered presentations to more than 215 students, parents, teachers and counselors at conferences and events hosted across the Commonwealth.

4. The Student Loan Advocate managed Virginia's student loan website (virginiastudentloanhelp.org), which saw approximately 25,000 unique users participate in one or more education modules during 2025.

5. The Student Loan Advocate served as a non-Federal negotiator for state agencies on the Reimagining and Improving Student Education (RISE) Negotiated Rule-Making Committee that reached consensus on the implementation of changes to the issuance and repayment of student loans for student and parent borrowers as a result of the One Big Beautiful Bill Act (OBBBA).

6. The Student Loan Advocate analyzed data and identified trends in borrower complaints, informing the development of policy recommendations to help borrowers.