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Navient: What is Navient?

Navient is one of nine federal student loan servicers that works with the U.S. Department of Education to manage student loans.

Asset Brief is an independent publisher focused on helping you improve your financial decisions. Some of the products featured may be from our partners. This does not influence our reviews, which are based on many hours of research.

What is Navient? You may have received letters or emails from Navient and wondered who they are. Navient is a legitimate student loan servicer that works with the U.S. Department of Education to manage federal student loans.

What is Navient?

Navient is a student loan servicing organization based in Wilmington, Delaware. Navient services both federal and private student loans. Navient also originates private student loans.

It is one of the nine federal student loan servicers.

What is a federal student loan servicer? When you take out a federal loan from the U.S. Department of Education, the U.S. Department of Education will assign you to one of the nine loan servicers, who are approved to work with them. Navient is one of these loan servicers.

How did you end up with Navient?

When you take out a federal student loan from the U.S. Department of Education, they will assign you a loan servicer when your loan amount is first paid out to your school.

What is a loan servicer?

A loan servicer is a company that manages the billing and other services on your federal student loan. There is no cost to you for using Navient.

Your loan servicer will, for example, send you federal loan bills, receive loan payments from you, and work with you on loan consolidation and repayment plans.

Is Navient the lender?

Navient is not the lender. The lender of your federal student loans is the U.S. Department of Education.

Do I choose to use Navient?

No, you do not choose who your loan servicer is. The U.S. Department of Education assigns you a loan servicer.

Sometimes the U.S. Department of Education will transfer loans from one servicer to another servicer. When this happens, you will be notified. Your loans are still owned by the U.S. Department of Education, but the company who will be sending you loan bills and collecting your loan payments will change.

How does Navient work with you?

Navient provides a range of services to students who have federal student loans from the U.S. Department of Education.

Set up your online account
Create an online account at Navient to access your loan information, make payments, review loan details, update your contact information, sign up for email correspondence, and more.

Get the mobile app
Check your balance, make payments, and send and receive messages through the Navient app, available in Google Play and the App Store.
Make automatic online payments
Set up auto payments from your bank account to Navient and you may receive a 0.25% interest rate deduction.
Give your parents or spouse access to your account
Provide your parents or spouse access to your loan account.
Sign up for income-driven repayment plans
You can sign up for an income-driven repayment plan. Navient offers five types of income-driven repayment plans. This may lower your monthly payments, which are based on your income, family size, loan balance, and type of federal student loan. After making 20-25 years of loan payments, your remaining loan balance may be forgiven.
Change repayment plan
You can change your repayment plan type. Navient offers several types of repayment plans which are based on length of time and income.
Make extra payments
You can choose to repay more than what your repayment plan states. This may reduce how much you pay later.
Postpone payments
If you are unable to make your monthly payment, you can contact Navient to request deferment or forbearance.
Sign up for loan forgiveness
Under certain circumstances, such as working in public service or working as a teacher in low-income schools, you may be able to have your loan forgiven.
Sign up for military benefits
Navient offers benefits to those in the military including deferments, interest caps, public service loan forgiveness, and more.

How to confirm Navient is your federal loan servicer

Your student loan servicer is the company you make loan payments to. It is not necessarily the company that originated your loans. If you are not sure if Navient is your loan servicer, you can check this in two ways.

My Federal Student Aid

You can go to My Federal Student Aid, a U.S. Department of Education website, to see information about all of your federal loans, including who your loan servicer is.

Federal Student Aid Information Center

You can also call the Federal Student Aid Information Center (FSAIC), a U.S. Department of Education center.

Federal Student Aid Information Center phone number:
1-800-433-3243

Sample Navient bill

If Navient is your loan servicer, you should receive bills that look like the one below.

Source: Navient

Is Navient legit?

Navient is a legitimate student loan servicer. It is one of nine federal student loan servicers, and is one of the largest student loan servicers.

Navient is accredited by the Better Business Bureau (BBB).

Decades of experience in the student loan servicing industry

Navient was originally established as Sallie Mae in 1973. In 2014, Sallie Mae split into two companies: Navient and Sallie Mae Bank. The company is headquartered in St. Louis, Missouri, with employees in New York, Pennsylvania, Indiana, Tennessee, Texas, Virginia, Wisconsin, California, and other locations. It has approximately 6,500 employees.

Nationwide Multistate Licensing System & Registry (NMLS) registered

Navient is registered with the NMLS and and the NMLS ID 212430. The NMLS is a record system for financial licensing and registration

Can I switch from Navient to a new student loan servicer?

The U.S. Department of Education may transfer loans from one servicer to another. When this occurs, you will be notified. However, you do not get to select your federal student loan servicer.

The only time you can change your student loan servicer if when you:

  1. Consolidate your loans
  2. Apply for public student loan forgiveness

Alternatively, you can refinance with a private lender. By doing this, you forfeit federal loan forgiveness programs and income-driven repayment plans. Instead of having your loan managed by the U.S. Department of Education and Navient, your loan will instead be managed by a private bank, online lender, or credit union.

How to make payments

You can make your student loan payments to Navient online, by phone, or by mail.

What if you can’t afford your payments to Navient

Navient offers several different repayment plans. If your circumstance make it difficult for you to repay under any of these plans, you can call Navient at 1-800-722-1300 to discuss alternatives.

How to contact Navient

There are several ways to contact Navient if you have a U.S. Department of Education student loan.

By telephone

Navient telephone number:
Toll-Free: 1-800-722-1300
International: 1-317-806-0580

Navient hours of operation:
Monday - Thursday: 8 a.m. - 9 p.m., Eastern Time
Friday: 8 a.m. - 8 p.m., Eastern Time

By mail

Navient address for payments:
Navient – U.S. Department of Education Loan Servicing
P.O. Box 4450
Portland, OR 97208-4450

Navient address for general correspondence:
Do not send payments to this address.

Navient – U.S. Department of Education Loan Servicing
P.O. Box 9635
Wilkes-Barre, PA 18773-9635

By fax

Navient fax number:
Toll-Free: 1-866-266-0178
International: 1-570-706-8563

Online

Navient website: https://navient.com/

Navient login: https://login2.navient.com/CALM2/login.do

Navient social media:

Navient mobile apps:

How to submit a complaint about Navient

If you are having problems with Navient, there are several ways to file a complaint.

Contact Navient directly

You can file a complaint directly with the Navient Office of the Customer Advocate.

The complaint can be mailed or emailed to Navient.

Navient Office of the Customer Advocate address:
Office of the Customer Advocate
P. O. Box 4200
Wilkes-Barre, PA 18773-4200

Navient email: [email protected]

Navient phone number:
1-888-545-4199

U.S Department of Education Federal Student Aid Feedback System

You can file a complaint with Federal Student Aid at the U.S. Department of Education through their feedback system. File a complaint here.

Better Business Bureau (BBB)

You can also file a complaint with the Better Business Bureau (BBB), a private, non-profit organization that accredits and rates businesses. File a complaint here.

Complaints filed with the BBB are forwarded to Navient within two business days, and Navient will be asked to respond within 14 days. If Navient does not respond, the BBB will reach out to them again.

BBB complaints are generally closed within 30 business days.

U.S Department of Education Federal Student Aid Ombudsman Group

As a last resort, you can contact the Federal Student Aid Ombudsman Group, a confidential resource to help resolve disputes about your federal student loans. File a complaint here.

The Federal Student Aid Ombudsman Group can help you resolve problems with loan balances and payments, disbursements, overpayments, and more.

They provide an information checklist to help prepare for your conversation.

Federal Student Aid Ombudsman Group address:
U.S. Department of Education
FSA Ombudsman Group
P.O. Box 1843
Monticello, KY 42633

Federal Student Aid Ombudsman Group phone:
1-877-557-2575

Federal Student Aid Ombudsman Group fax:
606-396-4821

FAQ

Is Navient federal or private?

Navient is a private company that is a federal student loan servicer. It is not a U.S. federal organization, but it does work with the U.S. Department of Education to manage student loans.

For example, Navient will send loan payment bills, receive loan payments, and work with you on loan consolidation and repayment plans.

Navient also originates private student loans and services these loans as well.

Is Navient a debt collector?

Yes, Navient is a student loan debt collector for both federal student loans as well as its own private student loans.

Federal student loan servicers

There are nine federal student loan servicers. Learn more about who they are, what they do, and how to contact them.