Navient Student Loans: What to Know About the Servicer

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Navient is one of 11 federal student loan servicers charged with managing student loan billing and repayment-related questions on behalf of the Department of Education. If you have federally owned student loans, and Navient is your assigned servicer, you’ll need to work with them directly about your loan.

It also services various private student loan programs that are owned by different private lenders. If you have Navient student loans, it’s important to know what type of loan you have to find the right help.

(Note: The government is currently making changes to federal student loan servicing, and it’s uncertain whether Navient will remain in this role in the future — see this post for more information.)

Navient student loans: Highlights

  • Multiple federal repayment options: As a federal student loan servicer, Navient offers federal repayment options, like income-driven repayment (IDR), and traditional repayment options, like the graduated and extended repayment plans.
  • Rate Reduction Program: If you’re facing financial hardship, but can afford to pay a reduced monthly payment on your Navient private loans, the servicer offers the Rate Reduction Program that lowers your interest rate for six months. This rate reduction lowers the payment due each month — but bear in mind, it also means you’ll pay more on the total cost of the loan.
  • Autopay discount: Navient offers a 0.25% interest rate discount when you connect your bank account and enroll in autopay. However, if you have Navient student loans in forbearance or deferment, they’re ineligible for the benefit.
  • Cosigner release: Primary borrowers who have a cosigner for their Navient private loans can request a cosigner release. Only the primary borrower can initiate this request, and they must have made 12 consecutive, on-time payments (principal and interest) before applying. Proof of graduation or completion of study is required, and primary borrowers also need to meet income requirements and a credit check.
  • Highest student loan complaints: Navient was cited in the latest Consumer Finance Protection Bureau Ombudsman report as having the most federal and private student loan complaints filed against it. Between September 1, 2017 and August 31, 2019, Navient had a total of 4,591 federal student loan complaints and 3,079 private student loan complaints filed against it.

Navient student loans: Repayment options

On top of receiving your payments, the servicer is responsible for assisting with any repayment plan changes you request on your Navient student loans.

Federal student loans

As with other federal student loan servicers, Navient offers many traditional and income-driven repayment plans, based on your financial situation. The repayment plans available for federally owned Navient loans include:

Private student loans

Repayment plans on Navient private loans follow a standard repayment plan. A standard plan means your loan balance is evenly divided across a set period. You can expect the same monthly payment during your loan term, which is outlined in your promissory note.

Navient student loans: Deferment and forbearance

One of the protections that federal student loans offer is the ability to request deferment or forbearance, depending on your personal circumstances.

When deferring your Navient federal loans, your payments are postponed. You also don’t have to repay the interest that accrues on your subsidized loans during this period; however, you would be responsible for any interest that accrued on unsubsidized loans during this time.

Navient cites the following situations during which you might be eligible for deferment:

  • Cancer treatment
  • Economic hardship
  • Re-enrollment into school
  • Military service and post-active duty
  • Rehabilitation training program
  • Unemployment

Forbearance is another option that temporarily reduces or pauses your monthly payments. During this time, interest continues to accrue on your loans. If interest payments aren’t made, the interest that accrues during forbearance may be capitalized, which increases how much you’ll owe overall.

Deferment and forbearance options on private student loans will depend on your lender, your loan program and the terms outlined on your promissory note. However, if you’re having trouble repaying your Navient private loans, contact the servicer to learn what your options are. If you have a cosigned loan, you and your cosigner may need to provide financial documents that show your inability to pay.

Navient student loans: Customer service

If you have a question regarding your loan, finding the right Navient customer service team depends on your loan type.

Federal direct loans

  • Phone number: 800-722-1300; TDD: 877-713-3833
  • Hours of operation: Monday – Thursday 8 am – 9 pm, and Friday 8 am – 8 pm (Eastern time)
  • Fax number: 866-266-0178 (U.S.); 001-570-706-8563 (international)
  • Address for loan payments:
    Navient – U.S. Department of Education Loan Servicing
    P.O. Box 4450
    Portland, OR 97208-4450
  • Address for general correspondence:
    Navient – U.S. Department of Education Loan Servicing
    P.O. Box 9635
    Wilkes-Barre, PA 18773-9635

Federal Family Education Loans/Health Education Assistance Loans

  • Phone number: 888-272-5543 (U.S.); TDD: 877-713-3833
  • Hours of operation: Monday – Thursday 8 am – 9 pm, and Friday 8 am – 8 pm (Eastern time)
  • Fax number: 800-848-1949 (U.S.); 001-570-821-6585 (international)
  • Address for loan payments:
    P.O. Box 9533
    Wilkes-Barre, PA 18773-9533
  • Address for cosigner loan payments:
    P.O. Box 9555
    Wilkes-Barre, PA 18773-9555
  • Address for general correspondence and document submission:
    P.O. Box 9500
    Wilkes-Barre, PA 18773-9500

Private student loans

  • Phone number: 888-272-5543 (U.S.); TDD: 877-713-3833
  • Hours of operation: Monday – Thursday 8 am – 9 pm, and Friday 8 am – 8 pm (Eastern time)
  • Fax number: 800-443-9723 (U.S.); 001-317-841-1713 (international)
  • Address for loan payments:
    P.O. Box 9000
    Wilkes-Barre, PA 18773-9000
  • Address for cosigner loan payments:
    P.O. Box 9988
    Wilkes-Barre, PA 18773-9988
  • Address for general correspondence:
    P.O. Box 9640
    Wilkes-Barre, PA 18773-9640

Military service members with questions about their Navient student loans can find additional information about how to reach the servicer on Navient’s contact page.

When contacting any Navient student loan customer service department, make sure to include your account number to avoid additional delays.

Navient student loans: FAQ

Who is Navient?

Navient is a federal and private student loan servicer. It was created as an offshoot from Sallie Mae in 2014.

What are the other federal student loan servicers?

  • CornerStone
  • FedLoan Servicing (PHEAA)
  • Granite State – GSMR
  • Great Lakes Educational Loan Services, Inc.
  • HESC/Edfinancial
  • Nelnet
  • OSLA Servicing
  • ECSI
  • Default Resolution Group/Maximus Federal Services, Inc.

Can I have a cosigner on my Navient private student loans?

You may have a cosigner on your Navient private student loans. Navient services various private student loan programs which have different requirements regarding cosigned loans. It also offers cosigner release for eligible Navient private loans, if you meet certain requirements.

Does Navient offer military benefits?

Yes. Under the Servicemembers Civil Relief Act, military members receive benefits on their federal and private Navient loans. Some benefits include a 6% interest-rate cap and no fees on loans obtained before active duty service, active-duty payment deferment and more.

Is student loan forgiveness an option?

Navient federal loans might be eligible for loan forgiveness programs, like Public Service Loan Forgiveness. Private student loans have fewer forgiveness options, but Navient offers Total and Permanent Disability Discharge and death discharge for borrowers who meet certain qualifications. Each loan forgiveness program has its own eligibility requirements that borrowers must meet to be eligible for forgiveness.

How are payments applied if I’m past due on my bill?

The way a Navient payment is applied on a past-due bill depends on your loan type. For more information about how payments are applied, visit Navient’s About payments page.

Does Navient report payments to the credit bureaus?

Yes, Navient reports the status of your account to credit bureaus.

I don’t understand my Navient statement; where can I find help?

Depending on what type of loan you have, your Navient statement can look different. For a detailed guide, the servicer offers a visual statement overview for federal versus private loans.

Where can I find information on managing my account?

You can log into your Navient account to manage your account online. If you need additional support, see this account management guide on the Navient website. You can also contact Navient directly to speak to a representative about your student loans.

Can I pay my Navient student loan with a debit card?

Yes, you can make a Navient payment with a debit card over the phone or by mail. When calling, contact the appropriate Navient department (based on your loan type) and say “Make a payment,” then follow the prompts. If paying by mail, you can send a check from your debit account, making sure to include your Navient account number on the check.

Can I switch to Navient as my servicer?

The only way to switch to Navient as your servicer is through a Direct Loan Consolidation. Direct Loan Consolidation is only available if you have at least two federal student loans. During this process, you can choose Navient as your new servicer and simplify your loan repayment by combining multiple federal student loans into one loan.

Does Navient offer refinancing?

Yes, Navient offers NaviRefi that lets eligible borrowers refinance their federal and private student loans. However, NaviRefi is offered by invitation only to existing Navient customers who must meet additional criteria to qualify for its refinancing program.

How can I file a complaint against Navient?

To file a complaint against Navient about a federal student loan, you can start by submitting your complaint to the Department of Education using the Federal Student Aid Feedback Center. If you’re still having trouble resolving a dispute about your federal loan, the Federal Student Aid Ombudsman Group can be contacted as a last resort. Complaints against Navient for a private student loan can be directed to the Consumer Financial Protection Bureau.

What should I know about Navient’s settlement on the teacher forgiveness lawsuit?

Educators filed suit against Navient for negligence and failing to accurately explain Public Service Loan Forgiveness (PSLF) Program requirements. Teachers, who believed they were on track for loan forgiveness after 120 qualifying payments, learned that their payments didn’t qualify under the program’s rules. Navient has since proposed the following settlement:

  • Developing an independent organization to educate borrowers about PSLF
  • Streamlined PSLF information templates
  • Additional training and call monitoring of its customer service team
  • $15,000 to each of the 10 plaintiffs

Paul Sisolak contributed to this report.

Interested in refinancing student loans?

Here are the top 6 lenders of 2021!
LenderVariable APREligible Degrees 
1.89% – 5.99%1Undergrad
& Graduate

Visit Splash

1.99% – 5.64%2Undergrad
& Graduate

Visit Earnest

1.99% – 6.84%3Undergrad
& Graduate

Visit CommonBond

1.91% – 5.25%4Undergrad
& Graduate

Visit Lendkey

2.25% – 6.53%5Undergrad
& Graduate

Visit SoFi

2.17% – 4.47%6Undergrad
& Graduate

Visit PenFed

Check out the testimonials and our in-depth reviews!
1 Important Disclosures for Splash Financial.

Splash Financial Disclosures

Terms and Conditions apply. Splash reserves the right to modify or discontinue products and benefits at any time without notice. Rates and terms are also subject to change at any time without notice. Offers are subject to credit approval. To qualify, a borrower must be a U.S. citizen or permanent resident in an eligible state and meet applicable underwriting requirements. Not all borrowers receive the lowest rate. Lowest rates are reserved for the highest qualified borrowers. If approved, your actual rate will be within a range of rates and will depend on a variety of factors, including term of loan, a responsible financial history, income and other factors. Refinancing or consolidating private and federal student loans may not be the right decision for everyone. Federal loans carry special benefits not available for loans made through Splash Financial, for example, public service loan forgiveness and economic hardship programs, fee waivers and rebates on the principal, which may not be accessible to you after you refinance. The rates displayed may include a 0.25% autopay discount.

The information you provide to us is an inquiry to determine whether we or our lenders can make a loan offer that meets your needs. If we or any of our lending partners has an available loan offer for you, you will be invited to submit a loan application to the lender for its review. We do not guarantee that you will receive any loan offers or that your loan application will be approved. Offers are subject to credit approval and are available only to U.S. citizens or permanent residents who meet applicable underwriting requirements. Not all borrowers will receive the lowest rates, which are available to the most qualified borrowers. Participating lenders, rates and terms are subject to change at any time without notice.

To check the rates and terms you qualify for, Splash Financial conducts a soft credit pull that will not affect your credit score. However, if you choose a product and continue your application, the lender will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit.

Splash Financial and our lending partners reserve the right to modify or discontinue products and benefits at any time without notice. To qualify, a borrower must be a U.S. citizen and meet our lending partner’s underwriting requirements. Lowest rates are reserved for the highest qualified borrowers. This information is current as of Feburary 1, 2021.

2 Important Disclosures for Earnest.

Earnest Disclosures

To qualify, you must be a U.S. citizen or possess a 10-year (non-conditional) Permanent Resident Card, reside in a state Earnest lends in, and satisfy our minimum eligibility criteria. You may find more information on loan eligibility here: Not all applicants will be approved for a loan, and not all applicants will qualify for the lowest rate. Approval and interest rate depend on the review of a complete application.

Earnest fixed rate loan rates range from 2.98% APR (with Auto Pay) to 5.49% APR (with Auto Pay). Variable rate loan rates range from 1.99% APR (with Auto Pay) to 5.34% APR (with Auto Pay). For variable rate loans, although the interest rate will vary after you are approved, the interest rate will never exceed 8.95% for loan terms 10 years or less. For loan terms of 10 years to 15 years, the interest rate will never exceed 9.95%. For loan terms over 15 years, the interest rate will never exceed 11.95% (the maximum rates for these loans). Earnest variable interest rate loans are based on a publicly available index, the one month London Interbank Offered Rate (LIBOR). Your rate will be calculated each month by adding a margin between 1.82% and 5.50% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of October 26, 2020, and are subject to change based on market conditions and borrower eligibility.

Auto Pay discount: If you make monthly principal and interest payments by an automatic, monthly deduction from a savings or checking account, your rate will be reduced by one quarter of one percent (0.25%) for so long as you continue to make automatic, electronic monthly payments. This benefit is suspended during periods of deferment and forbearance.

The information provided on this page is updated as of 10/26/2020. Earnest reserves the right to change, pause, or terminate product offerings at any time without notice. Earnest loans are originated by Earnest Operations LLC. California Finance Lender License 6054788. NMLS # 1204917. Earnest Operations LLC is located at 302 2nd Street, Suite 401N, San Francisco, CA 94107. Terms and Conditions apply. Visit, email us at [email protected], or call 888-601-2801 for more information on our student loan refinance product.

© 2020 Earnest LLC. All rights reserved. Earnest LLC and its subsidiaries, including Earnest Operations LLC, are not sponsored by or agencies of the United States of America.

3 Important Disclosures for CommonBond.

CommonBond Disclosures

Offered terms are subject to change and state law restriction. Loans are offered by CommonBond Lending, LLC (NMLS # 1175900), NMLS Consumer Access. If you are approved for a loan, the interest rate offered will depend on your credit profile, your application, the loan term selected and will be within the ranges of rates shown. ‍All Annual Percentage Rates (APRs) displayed assume borrowers enroll in auto pay and account for the 0.25% reduction in interest rate. All variable rates are based on a 1-month LIBOR assumption of 0.15% effective Jan 1, 2021 and may increase after consummation.

4 Important Disclosures for LendKey.

LendKey Disclosures

Refinancing via is only available for applicants with qualified private education loans from an eligible institution. Loans that were used for exam preparation classes, including, but not limited to, loans for LSAT, MCAT, GMAT, and GRE preparation, are not eligible for refinancing with a lender via If you currently have any of these exam preparation loans, you should not include them in an application to refinance your student loans on this website. Applicants must be either U.S. citizens or Permanent Residents in an eligible state to qualify for a loan. Certain membership requirements (including the opening of a share account and any applicable association fees in connection with membership) may apply in the event that an applicant wishes to accept a loan offer from a credit union lender. Lenders participating on reserve the right to modify or discontinue the products, terms, and benefits offered on this website at any time without notice. LendKey Technologies, Inc. is not affiliated with, nor does it  endorse,  any educational institution.

Subject to floor rate and may require the automatic payments be made from a checking or savings account with the lender. The rate reduction will be removed and the rate will be increased by 0.25% upon any cancellation or failed collection attempt of the automatic payment and will be suspended during any period of deferment or forbearance. As a result, during the forbearance or suspension period, and/or if the automatic payment is canceled, any increase will take the form of higher payments. The lowest advertised variable APR is only available for loan terms of  5 years and is reserved for applicants with FICO scores of at least 810.

As of 02/17/2021 student loan refinancing rates range from 1.91% APR – 5.25% Variable APR with AutoPay and 2.95% APR – 7.63% Fixed APR with AutoPay.

5 Important Disclosures for SoFi.

SoFi Disclosures

  1. Student loan Refinance: 1. Fixed rates from 2.99% APR to 6.99% APR (with AutoPay). Variable rates from 2.25% APR to 6.53% APR (with AutoPay). Interest rates on variable rate loans are capped at either 8.95% or 9.95% depending on term of loan. See APR examples and terms. Lowest variable rate of 2.25% APR assumes current 1 month LIBOR rate of 0.12% plus 2.38% margin minus 0.25% ACH discount. Not all borrowers receive the lowest rate. If approved for a loan, the fixed or variable interest rate offered will depend on your creditworthiness, and the term of the loan and other factors, and will be within the ranges of rates listed above. For the SoFi variable rate loan, the 1-month LIBOR index will adjust monthly and the loan payment will be re-amortized and may change monthly. APRs for variable rate loans may increase after origination if the LIBOR index increases. See eligibility details. The SoFi 0.25% AutoPay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. The benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account. The discount will not reduce the monthly payment; instead, the interest savings are applied to the principal loan balance, which may help pay the loan down faster. Enrolling in autopay is not required to receive a loan from SoFi. *To check the rates and terms you qualify for, SoFi conducts a soft credit inquiry. Unlike hard credit inquiries, soft credit inquiries (or soft credit pulls) do not impact your credit score.Terms and Conditions Apply. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE.

6 Important Disclosures for PenFed.

PenFed Disclosures

Annual Percentage Rate (APR) is the cost of credit calculating the interest rate, loan amount, repayment term and the timing of payments. Fixed Rates range from 2.99%-5.15% APR and Variable Rates range from 2.17%-4.47% APR. Both Fixed and Variable Rates will vary based on application terms, level of degree and presence of a co-signer. These rates are subject to additional terms and conditions and rates are subject to change at any time without notice. For Variable Rate student loans, the rate will never exceed 9.00% for 5 year and 8 year loans and 10.00% for 12 and 15 years loans (the maximum allowable for this loan). Minimum variable rate will be 2.00%. These rates are subject to additional terms and conditions, and rates are subject to change at any time without notice. Such changes will only apply to applications taken after the effective date of change.