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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.
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:
Sample Navient bill
If Navient is your loan servicer, you should receive bills that look like the one below.
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:
- Consolidate your loans
- 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.
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
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:
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:
Federal Student Aid Ombudsman Group fax:
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.