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Navient

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Last updated: Oct. 5, 2017

585 Navient Consumer Reviews and Complaints

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Verified Reviewer
Original review: Oct. 5, 2017

First, I have always paid my student loans on time, set myself up with automatic payments from the beginning and never really thought about the loans much except wondering when I would ever pay them off. I was able to pay off my private loan with another company early, but the one with Sallie Mae which later was transferred to Navient just seemed to be taking forever. However, I had paid a big chunk of money after I finished a year in AmeriCorps and received an education award I could use toward my loans, and that moved up my next payment date for several years. Since I was planning to volunteer for a year abroad and then go to grad school, I was fine with that. When at some point in grad school, I started getting bills again before the date of my next bill was supposed to happen, I called them, asked what the deal was, and told them I thought my date had been moved forward several years since I had paid that large amount.

I told them I was in school and couldn't pay. They apologized, changed the date, but apparently, they also switched to having my entire payments moving forward just be applied to interest. I don't remember them telling me they were going to do that and never received anything in writing about that because I would have definitely said no way. Then when the transfer to Navient happened in 2014, I received a notice that the transition would be smooth, that my automatic payment information would be transferred over, and that I didn't need to do anything. So I didn't, and I thought everything went smoothly. Last weekend, though, after my husband asked me what my student loan balance was now, I checked and again, the same amount, if not more than it had been.

So I decided I had had enough and would up my payment amount significantly to have it paid off in two years. But then I went to Navient's site and remembered I had tried to do that in the past, but they don't have an option on the site to automatically pay an additional amount each month (like my other student loan site with a much better company has). You have to go in each month if you want to make an extra payment which is really annoying when you're like me and have everything set to happen automatically so you don't have to think about it. Anyway, I got frustrated, sent a complaint, and then googled them today once I got a weird response from them. Then I found all the terrible reviews about them. I went back into my account, clicked on the payment history, and saw that since 2011, when I had to start paying on the loan again, my monthly payments have gone ENTIRELY to interest.

They have not applied a single penny toward my principal. No WONDER it's taking me forever to pay it off, because I will literally NEVER pay it off with the way they set up my payments. Without paying anything toward principal, I will continue to accrue interest, so my payments will continue to go to the never-ending interest. I'm not the most financially literate person, but I know enough that your payments should be split between interest and principal. But then I noticed that the monthly alerts they send about your payment posting don't list the breakdown between interest and principal, nor does the account summary landing page. You have to go into the payment history part which I've never thought to do since I pay the same payment every single month, so why would I need to review it? PLUS, they don't have anywhere on the site where I could fix this and designate that I want my payments applied to principal. They truly are crooks.

I can't believe they've been stealing from me this whole time. I know I should have figured this out a long time ago, but who would have thought a company that is supposed to help students who don't have rich parents get an education would take advantage of people like this? Neither of the other two companies I had student loans with did anything like this. My automatic payments were taken out each month, I never had to think about it, and one day got my notice from the one that I had paid it off, and with my grad school loans, I have already almost paid them off. How is it this loan's balance has only gone down $2,500 in 10 years (and all of that being from the AmeriCorps education award I applied toward it in 2008)? They should be ashamed of themselves.

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Verified Reviewer
Original review: Oct. 4, 2017

In the summer of 2015 I applied for the Income Driven Repayment program through Navient. I submitted required application through their portal and sent hard copies of my proof of income to the appropriate address. I heard nothing from them for weeks. I continued to check on the status of my application through the account portal on the Navient website which indicated that I had not submitted my proof of income. Finally, I called, and wonder of wonders, they were able to locate the documents in their system after only two minutes on the phone, moreover, they were able to approve the income driven plan over the phone.

This year I had to recertify my income to continue on the plan. I received the notification of recertification in June and responded with the appropriate proof of income within the week. Today, October 4, I went to pay my student loan and noticed that the amount due for October was the same amount as what would have paid had I not recertified. I called again. At first they responded that they could not establish payment frequency (same excuse the prior year even though I had provided pay stubs and a copy of my tax returns). After a minute of typing on the part of the representative she said that she did not know why they would have indicated that they could not establish frequency since I had submitted a copy of my tax return (this negated the need to provide pay stubs which I had done in addition to the tax form).

In fact, it was the identical package of documents that was provided the year before and had been sufficient to establish me as eligible for the program. There was in fact, no issue whatsoever concerning the sufficiency of the paperwork just as there was not the prior year. The only conclusion I can draw from this is that this is deliberate, that the default position is to deny eligibility for the program despite the existence of paperwork establishing eligibility. They are acting in bad faith.

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    Verified Reviewer
    Original review: Oct. 4, 2017

    My wife and I are paying off a student loan for my son: Brendan **. Navient calls up to 6 times a day to harass us. When informed that we do not owe Navient any money their representatives tell us they can do nothing to stop the calls. When I request to speak with a supervisor I am told there none available - of course call back promise are an empty joke.

    Verified Reviewer Verified Buyer
    Original review: Oct. 2, 2017

    I recently paid my student loan with a bank loan (thank goodness). It all started back in 2007 when I went to Massage school in Las Vegas, NV. The company at time was Sallie Mae. During school and afterwards this company gave me difficulty. The service was ok at the time but always a language barrier because they were most of the time based in another country. I had this loan for 11 years. Almost every year the interest would go up and most of the time I would just pay minimum because it added to almost $400 a month.

    The communication with Navient was not very good and I got very frustrated. I would not recommend this company to anyone. They aren't honest and don't make it easy to pay it off. Plus I had a co-signer and finally when I paid off this loan to a bank they didn't even send me a letter, just to my co-signer. I was the one paying for the loan all these years. I am glad I have finally got around to doing this to let students know that this is not a good student loan company. Don't chose Navient.

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    Verified Reviewer
    Original review: Sept. 25, 2017

    I am 40 years old and my only regret in life is having a loan with Navient. The customer service is by far the worst I have ever encountered. I'm referring to simple transaction requests or asking for simple information I could not find on the site itself. I cannot express enough how horrible my experience with that company has been. Feel free to listen to the recordings Navient!

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    Verified Reviewer
    Original review: Sept. 6, 2017

    I filed my annual IBR paperwork in a timely manner. This is my fourth of 25 years to be in the program with a goal of loan forgiveness - if indeed I live that long. I'm 64. Seems the application got lost somewhere. I started getting notices that my payment has increased and is now due so I called. Credit due to the young man who helped me for his patience with my increasing frustration. Big fail on the part of the government for the guidelines. I now have to file a forbearance form in order to not pay the $657.00 payment now due so that my account can be "brought current" and the payment can be attached to the end of my loan. Gee thanks...

    This will keep my account in a status that allows me to send in my IBR form - the same one I submitted in time earlier this year - so that the process can continue without interruption. In order to be sure Navient processes my forms - forbearance and IBR - I now need to follow up with phone calls to watchdog them. This is not ok under any circumstance. Consumers are having to do entirely too much watchdogging these days. Navient dropped the ball here and I have to jump through more hoops to fix their fails.

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    Verified Reviewer
    Original review: Aug. 30, 2017

    I called Navient and spoke to someone that was initially very helpful to ask about lowering my payment. She asked all the questions, placed me on hold and then told me what my new payment would be. I explained I would have to call back to give the bank routing number and she became very short and answered with "uh yeah" and "nope" etc. I am not sure if they are on some sort of bonus system that the more "sign ups thru bank routing" they get then the more money they make? If not, it sure is what it seemed like. She seemed very bothered after she realized I couldn't give her my bank account number.

    Verified Reviewer
    Original review: Aug. 29, 2017
    I put my loans into repayment in the beginning of April. They told me it would take 8-10 business days before there would be a notice. I got notice within a couple days and my payment was due 6 days later. Not okay. So I had to pay it a few days late which was fine, other than the non-stop phone calls multiple times per day.

    Then, I called, paid over the phone, and my statement online said I owed money because I supposedly didn't pay enough. Paid the next two months over the phone with the same issues. Supposedly it was fixed. Paid correct amount for 2 months and had same amount due for September 12th.

    All of a sudden I went online today and the amount changed online. Again. It went down less than a dollar, but is different from the statement I received dated 8/15/17 for payment on 9/12/17. So I called and they told me I owed more than both. This isn't the case, I owe that amount in October. So then they told me I owed the lowest amount, which I proceeded to tell them this has already happened and every time they do that to me, I end up owing even though I have talked to representatives several of the last 5 months.

    Don't even get me started on their new automated system that hangs up on you when you can't tell it what it wants to hear. Seriously, you can call me multiple times per day when I HAVE paid but I can't even get through to talk to someone without being hung up on. The people are always nice when I call but generally don't know what they are doing and just have to put a ticket into probably nowhere. So irritating. If it wasn't for student loan forgiveness (which I am not entirely for, but will be eligible for) then I would refinance just because this company is so awful. They are worse than Sallie Mae was by far.

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    Verified Reviewer
    Original review: Aug. 29, 2017

    In August of 2015 we were contacted by an attorney seeking payment on a Navient private school loan. It should be mentioned that we were contacted previous to this by Jefferson Capital which is wholly owned by Navient with a one time settlement offer of roughly $9000.00 but they refused to send any documentation that payments had been made. The attorney threatened us with placing a lien on our home if payment wasn't made to the tune of $21000.00 plus dollars. Given the fact that Navient and two attorneys in Florida were slapped with a class action suit for basically doing the same thing, just wondering if the attorney here acted on his own to collect $21,799.77 from us and pocketed the extra with Navient’s blessing. In any event we still have one loan with Navient and to say that they speak out of both sides of their mouths is an understatement.

    You can never get the same answer to the same question from two different people at this company. Try and get on an income based payment plan on a private loan, provided all the information as requested and the bottom line is you have to let the loan go in default, then to collections and here is your plan, more like Jeff Foxworthy would say "Here's your sign". How can any financial institution recommend this? It ruins your credit, brilliant. I see in press releases that the Navient CEO has mastered not working with the consumer, their supposed "Consumer Advocate Department” should grab the latest edition of Webster's dictionary and look up what a consumer advocate is or does because it surely isn't them. Very soon I expect them to surpass cable companies as the worst people to deal with.

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    Verified Reviewer
    Original review: Aug. 23, 2017

    Where do I begin with this dysfunctional company. I can't even log into my account for months, and they give me late payment fees, then they want to call threaten, but not help you to log in and see how much you owe and breakdown of everything. They just want money over the phone. They talk over you and are just the most abrasive people. If you work in this business, you have no education or future, be nice to those who call who do and are paying off student loans. The guy said I was "making excuses" because I need to login to my account, so I can make them on my own. I'm not going to call every time I need to. He even hung up on me. MIND BLOWN.

    Verified Reviewer Verified Buyer
    Original review: Aug. 21, 2017

    I have had my loan (UNCHANGED) since inception, beginning payments in 2008. However, upon completing the form for Public Service Forgiveness, was told that Navient (taking over for Sallie Mae) consolidated my loans into an ineligible type? Upon calling Navient, they noted I did this in 2006 and send me unsigned forms or requests I never completed!

    Once the Feds took over my loans, followed by Sallie Mae taking them back (because of a Sallie Mae error after I filed a complaint)! When will the Education Dept. intervene and hold Navient accountable? Now I have to get a Student Loan specialty attorney! P.S. I never missed a payment, in fact paying much more than the minimum... so, I am in good standing... and have ALL my records!

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    Verified Reviewer
    Original review: Aug. 21, 2017

    I won't list all the specifics here of my dissatisfaction with this company. I can second all the reviews. I have my payments set up to auto pay, I have my records, yet they continue to harass me with many, many calls starting early morning, weekends and last night at 2 minutes before midnight on a Sunday. I show where I have made all the payments (for my daughter by the way). I've paid off my student loans. They continue to tell me I haven't and it must be my bank's fault. I have all the documentation where payments were sent. I have never, ever worked with any company like this. I've experienced lots of student loans, myself and two daughters have graduated college. Run, Forest, Run!!! Do not get involved with them. I just don't understand how they are allowed to stay in business and do this to people. I don't understand why someone doesn't step in to help.

    Verified Reviewer
    Original review: Aug. 10, 2017

    Let me just start with, when my loans were with Sallie Mae, I never had any problems and could afford the monthly payment. Now that it is Navient, I have had nothing but problems. I have been asking for a deferment for the past year because of financial hardships and all they can do (so they claim) is do 3 month at a time forbearance but I have to pay $50 per loan (I have 2) to cover that 3 month time frame. I NEVER had to do that with Sallie Mae. They told me I could only do a deferment if I was a current student or in the military. Yet my mom goes through them and she has a deferment because of medical problems.

    Lately I haven't been able to make payments on time and instead of them calling, emailing or sending me a letter to let me know of the late payments, they have been calling my co-signer which is my aunt. They call her several times a day and yet I have heard nothing from them. My aunt is not happy that she is being harassed about it when it's my problem not hers. I was in school almost 10 years ago and back then I needed a cosigner, no I don't feel she needs to be on the account anymore and you have to jump through SO many hoops to have the cosigner released. It's absolutely ridiculous! She is also being told that her credit is being affected by this but yet Navient tells me that it has never been negatively reported to the credit bureau. I am beyond frustrated and wish this could all go back to Sallie Mae were it was simply, pain free and affordable. They were at least knowledgeable about ways they could help you, Navient - not so much!

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    Verified Reviewer
    Original review: Aug. 10, 2017

    Navient has mastered the art of dodging questions, misleading customers, and creating unnecessary anxiety. Throughout my relationship with the company, I was forced to seek legal guidance, consult financial advisors, and record phone calls with their customer service representatives. They automatically debited from my bank account without permission and subsequently took 8 day to return the money. When I asked if a financial advisor could handle my future negotiations with the company (on three different occasions), each representative noted they would research this and call me back. They never did. Ultimately, I threatened to sign over power of attorney to a legal representative.

    At that point, I was actually put in touch with a customer service representative who candidly explained my best option was to refinance with a different lender. Navient called throughout the day and from different phone numbers. In three years of payments with their company, I was not past due once. They would call at 9 a.m. while I was trying to put my newborn child to sleep. The sad part for Navient is this: I NEVER ran away from them. I ALWAYS wanted to make payments. I constantly called to negotiate payments based on changes to my income. I sought out advice from financial advisors for best practices to pay off this debt. I was not a so called "millennial" looking to dodge my debt. While I may have been a clueless 18 year old when I originally signed for my loans, I never played the "Woe is me" card. I took responsibility for my debt and always sought the best ways to repay it.

    I have no way of knowing if my new lender will be as horrific in their practices. One can certainly hope not. Nonetheless, this does not change how damaging my experience with Navient was. Moving forward, I am seeking legal counsel and considering suit for Navient's unwillingness to alter my payments based on income. Navient has a right and duty to collect debts from borrowers. I would never argue that. However, their despicable customer service practices continue to haunt me and my family.

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    Verified Reviewer
    Original review: Aug. 8, 2017

    Since 2011, Navient has been telling me my consolidated loans qualify for public service forgiveness and not to worry. I have called them repeatedly to inquire about the eligibility of my loans. Every time, I was told that my loans qualify, and that I'll be eligible for forgiveness in October 2017. I just received a letter from the U.S. Dept. of Education telling me that my loans are not eligible. Needless to say, this was shocking and disturbing news. I immediately called Navient, and I was met with a defensive and evasive representative. He told me there were no records of me ever calling Navient about public service forgiveness.

    I called back and got another representative, who told me he had calls going back years where I called in to ask about direct loan consolidation and public service forgiveness. Then, I got in touch with a so-called "customer advocate" at Navient. Some advocate she was. She denied that I was ever told there was a record of me calling Navient, and that it was my word against Navient's. I requested copies of all phone communication logs, and she said she'd make a note of it. Weeks later, I followed up with a phone call. I was told by another "advocate" that requests for phone logs had to be made in writing. I was also informed that when a public servant asks that their loans be converted to "direct" loans, the loan is purchased from Navient.

    For someone like me, who is in Navient's clutches until 2040, loan conversions have to be against Navient's financial interests. If I convert to a direct loan, they lose my loan and decades of interest that go with it. My guess is that Navient representatives are told not to advise public servants of the need to convert to "direct" loans for this very reason. The U.S. Dept. of Education tells me that I can convert to a "direct" loan now, that it just takes a phone call or simple online application. Because of Navient's lies for 7 years, I never made that phone call or filled out that simple application. My family and I have made major life decisions based on Navient's promise of public service forgiveness.

    Now, we are at a crossroads. Navient tells me I can convert to a direct loan now, but that I'd have to start my 10 years of public service and 120 loan payments all over again. I'm scheduled to retire in 6 years, when I'll have 30 years of public service in! No wonder that Navient is being sued left and right for dubious loan servicing practices. The problem? I have written to my senators, the Consumer Finance Protection Bureau, the Better Business Bureau, the Federal Trade Commission, the U.S. Dept. of Education Ombudsman, the Illinois Attorney General, and the U.S. Attorney General about Navient's misleading lending practices. The response? None forthcoming. I guess we public servants who are dealing with shoddy lenders are being left out to dry.

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    Original review: Aug. 2, 2017

    I called them THREE times to see if my account was eligible for the lesser rate by enrolling in auto payment. ALL THREE times I was told yes, it's every account. After being charged the higher rate and sending emails they simply said Sorry for being misinformed. The lady I spoke to on the phone was rude and tried blaming me for their error. The worst company I have EVER had to deal with. Cannot wait to leave it.

    Verified Reviewer
    Original review: Aug. 2, 2017

    We signed this student loan along with our daughter when she was in college a few years ago. Several times over the years we have tried to get the auto pay to work or manually schedule a payment and it consistently does not pull from the bank as it should. When Navient calls to say there is a business matter they need to discuss, there is no one to take the call when we try to call back - and they continue to call hour after hour even through the weekend and there is no way to talk to them.

    If they are going to make a call please have the common courtesy to answer the phone when we try to call back. There have been dozens of phone calls to Navient over the last few years to deal with the issues, I cannot say how very dissatisfied we are with this experience. If anyone else ran a business like this it would be shut down because of poor management. In addition these people are managing funds used to send students to school, what a poor example! We have put several students through school (6) and always paid the student loans back. I will never recommend to anyone that they use a loan Navient will manage.

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    Original review: July 26, 2017

    I started receiving phone calls from Navient. Responded and difficult to reach representative. I was told I did not make a payment that I did make. Sneaky business. I was told that my payment was sent to one of my loans and I didn't make the other loan payment. I wrote both accounts on the money order and included both slips with amounts filled out on each slip. Unbelievable a loan company that can't add two numbers and see the amounts are together. I did this the previous month and there was no problem.

    These people are handling my two accounts and I do not trust them. I refused to give them any more money for the month they say I didn't pay and they have probably turned my accounts into the credit bureau which they have done probably many times before. They are very sneaky. Always trying to trick and get money out of you. I went off and do not want anything to do with these people. Every holiday, overtime pay, taxes these people are breathing down my neck. Also, they introduced themselves using my email address which I have told them to never use my email to send communications to me. I will not get their messages by email. I just want to quit my job.

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    Verified Reviewer
    Original review: July 25, 2017

    Originally my loan was being handled by Sallie Mae. I didn't have any trouble then, the payments were low and I paid on time. The loan changed hands a few times over the years. Ten years into paying I got married, and also went through financial hardship. So I took a few deferments- this is about the time Navient must have taken over the loan. Once my deferment was over I did NOT receive a new payment schedule NOR an invoice NOR anything like a bill. Also they did NOT call or email. NO CONTACT from their end for TWO YEARS when they sent a collection notice!!! Which was okay - because I was unemployed. No way to pay it anyway. Now I have a job and they have decided to garnish my wages. Even after I wrote to them asking for a new payment schedule.

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    Verified Reviewer Verified Buyer
    Original review: July 12, 2017

    This company has friendly, but very unknowledgeable staff - on purpose. No one there can actually help you. What they CAN do is (eagerly) try to get you to sign up for more debt and they do this with programs that make your monthly bill affordable, but never have it pay down your principal. They don't tell you this, but if you know the gimmick and ask "Does this pay down the principal" they will begrudgingly admit it or try to rephrase it so it doesn't sound bad - but it is...VERY BAD.

    They get you to sign these bad deals knowing you are not reckless... that you care about your credit score, not going to collections and that you want to be able to buy a house later in life - Guess what? You can't anyway, because you will find out after being denied several times with an almost perfect score, that your debt to income ratio is too high... yeah, your loans will ruin your chance even with a 780 like I had. In just one month, my monthly bill will go up $487.49!!! It's like I'm borrowing more money, but I'm not...

    I called - thinking there was a mistake. Did they not receive last month's payment? No, everything is fine and my account is in good standing - the rep simply told me that the rate went up... (for no reason other than it can). These are not late fees for being irresponsible - this is outright loan sharking and 14% is so unfair. For all that profit, what service or "greater good" comes from it? It is just incredible greed that pulls the whole system down when borrowers like me default... this is bad business. Lift up the economy with fair lending, not bring it down with loans that will default - it's the housing market garbage all over again, but with students this time (as if those co-signed parents haven't suffered enough) - Oh, and if you love your parents, don't let them co-sign for you.

    I love my Federal loans because I borrowed what I needed and was able to pay back what I borrowed at a fair rate. I understand business needs and that people need/should make a living, but this is a company charging well beyond reasonable means without an alternative (just as unethical as a monopoly). Private student loans are a trap, because unlike a business venture that fails, there is no way out for the student. Navient could go bankrupt and change its name to walk away from a bad deal, but I can't. Bankruptcy does nothing to the loan and older folks need to understand that before passing judgment on students - students of parents like them who don't have money that grows on trees or lavish inheritances. I can't consolidate (like I did with my Federal loans), I was denied refinancing (for years and recently too) and I can't get out of this legal bind without filing a suit (that I will likely lose).

    I was hoping I could just make the payments I can afford (not the full $728.50) only to find out it would be like defaulting anyway... I can't even get a second job in time to make up the difference. One month is just not enough time and after that, what if they just raise it again? Given their track record (my account history), they will. It's how they can afford that "talk to me like I'm a person" automated system that tries to keep you from talking to real person... I see no end in sight, I have no control or idea of what I will owe my private student loans from one month to the next. By contrast, my federal loans (4%-6%) have been consistently the same amount so I can (and have) pay them off (good business). I have talked to attorneys and default will give me negotiation leverage. I am also looking at saving up the money I would otherwise be paying them to put it towards being sued later down the road - if that happens.

    PLEASE - if I knew then what I was getting into, I wouldn't have signed, but I had adults that I respected pressure me to sign. Tell every 18+ year old to AVOID private student loans at all costs! Take time off from school, just don't sign. You have plenty of time to learn new skills, but a debt that only grows will ruin your life and NO ONE takes out a loan with that in mind - We all intend to pay it down, Navient just won't let me. I was modest (no fancy schools) and only borrowed $30,000, but it's about $50,000 now and growing each month.

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    Verified Reviewer
    Original review: July 12, 2017

    If I could write a consumer affairs review on the state of the U.S. educational and universities system, believe me, I would do so happily. But I digress... It's pretty obvious from the other reviews and the amazing 1-star rating, that Navient has a lot of issues. I am no different than many of the other dissatisfied customers. I signed up for my student loans with Sallie Mae. I carefully reviewed the interest rates and other information closely with my father, who is the co-signer on my loan.

    When I graduated I began to pay off what I could on the loan. It was relatively easy to negotiate a fair price with Sallie Mae, as they have a lot of experience in working with students and their debt. One day I received a letter from Navient saying that they will now be the loan company taking over my account... fine. But, over time this switch became a nightmare. I've had a substantial amount of student debt owed but never worried because Sallie Mae was always patient or offered realistic plans to help when I was hard done by.

    Granted there have been some hardships in life since I graduated college, including periods of unemployment, unexpected home and medical costs, we all go through these times. The first time I was laid off unexpectedly from my first job right out of school, working in the field of my study. It took me some time to find new work. Throughout this ordeal, Navient was not helpful in assisting me with an appropriate plan to keep my credit in check and my loan interest from spinning out of control. Well, no matter what you try to work out with them, or pay, it seems the loan interest will just "do what it wants to." Most of the time I am paying on interest anyway with only a small percentage going towards the principal amount due on the loan. I think since I've graduated my total amount due on all of my private loans has gone up about $9,000, even though I am paying on them regularly.

    In any case, there was another time in my professional career that found me tight and Navient assured me they would help by enrolling me in an auto-pay program that will get me back on the right track without endangering my credit. Their monthly rate was still a little high compared to my other expenses I mentioned to them in the personal financial evaluation, but I made do as long as I could until I had no savings left. This is not only because of the high monthly rates they charged to "help" me get back on track, but also because they mis-charged my bank account, often taking out double payments or payments on dates that were not agreed on by myself or the folks at Navient.

    I am not a rich guy and I don't come from a wealthy background. My father retired after I graduated and suffers from mental and physical handicaps from his time served in the Vietnam War. I am left to work out what I can on my own. When these multiple payments come out on the wrong date, my finances for the month are a mess or non-existent. Often to the point where I need to borrow petty cash from friends just to eat.

    Of course both times this mis-charge happened, I called and complained. The customer service representatives agree it's their fault and then say they will reimburse the money. Sometimes the money is never sent back and (I hope) the double balance that I paid is going towards the loan which is often hard to tell. When I do get it back, it takes almost a week or more. This is funny because even if your payment date is approaching and you don't owe 1 penny to Navient yet, they still call you and harass until they lock in your card info to make or schedule the payment. When they are owed money they expected it immediately, but when they owe me something from an error it takes a week or more or never?! I finally had enough and opted not to enroll in auto-pay, in fact I've requested that my bank block payments in the future that are automatically taken out by Navient.

    I'm happy to say that through my hard work both professionally and in my educational life, I now live and work in Berlin where I currently reside. It has been my dream for years and I'm very happy to be here. Of course, Navient has no sympathy for people moving to a new country and starting a new life for new work. Communication with them since relocating overseas has been almost impossible. My charges for international dialing just from hold times alone are over 40 per month, they are indirectly costing me money just by keeping me on the line for so long. Often it seems if I am a bit too pressing or they aren't offering me anything that's reasonable, the customer service representative gets flustered and sometimes I am "disconnected" but it's clear they hung up. There have been a handful of times that the call just was never picked up, I have been on hold with them for 93 mins and spoke to anyone for help.

    Moreover, they seem to disregard my international contact information I've given them about any correspondence. I never receive calls or letters from them but my parents do. Obviously my parents cannot help and with my father's condition, the stress and uncertainty of being called multiple times a day without anyone on the other line is more than unsettling. Any information I receive from Navient comes to me from my mother who is unsure why she is also getting calls, as she is not even signed on to the loans. It is stressing out my parents and they have now taken on a great deal of anxiety because of relentless methods to reach out to me to schedule an upcoming payment.

    Overall this entire experience has made me loathe a bit my choice to go to college. Which is a real problem this country is facing now as cost of living and education goes up but salaries stay low. Who could blame the "millennial" generation for not buying homes, getting married or going for a Master's Degree, the entire system has been built in a way that makes these important life decisions tough to many my age. Often leaving many to even question their decision to get a higher education.

    I would absolutely attribute the many problems with our educational and university system, and Navient as a deterrent to many who would rather forego the education costs and learn a skill that will start them with a positive balance from day one, rather than graduating from college with no work experience with tens of thousands of dollars in debt. Is this really the way to set up an aspiring college graduate for success and well-being? Anyways, avoid Navient at all costs if you can. I only hope more lawsuits will surface and something can be done for all of us out there who have been harassed and wrongfully treated by this company.

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    Verified Reviewer
    Original review: July 11, 2017

    I called Navient in March to ask how I can fill out an application because the studentloans.gov site was down. They told me to fill it out and they would take care of the rest. Three months later, I am charged a ton of fees and told it was incomplete and I had to do it again. I had a woman at studentloans.gov help me fill out the application and resubmit it. Last week I was told it was done incorrectly and that I had to do it again. More fees were added to my account. The woman on the phone made no effort to correct the situation both times. They take no responsibility for anything. They set you up for failure, and when you fail they add more fees. It's a crooked system backed by the government!!!

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    Verified Reviewer
    Original review: June 30, 2017

    In May I called to have my date for my school loan changed from the 15th to the 1st of the month. The lady I spoke to neglected to tell me that since my payments were automatically taken out that the only way the payment would not be deducted was to stop the auto pay. So 2 payments were taken out and I was told that the next payment would not be taken out until August 1. Well another payment was scheduled to come out in July. I asked them why the lady I spoke to in May neglected to tell me that fact about the auto pay. Well the supervisor said he didn't know and was sorry it happened and it was their mistake, but there was still nothing they could do to resolve it. I have never been so frustrated in my entire life.

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    Verified Reviewer
    Original review: June 27, 2017

    When I went to college - I went years - I was able to pay off my loans in 5 years. With Navient I carry 4 Parent Plus loans with Navient - I pay what I am suppose to - on time - no missed payments and yet I see the amount of the loan increasing not decreasing every month. I asked for a reason and have not gotten any response. I agree they do act like a collection agency and are not helpful.

    Verified Reviewer
    Original review: June 22, 2017

    Trying to Navient is equal to finding a needle in a haystack. The numbers provided on the tools and request page don't work. There is not real contact information on the Contact us page. There is no attempt on this company website to make contacting for help and information forthright. I have to google contact information for this company when I need to contact customer service. Whenever I engage in some kind of communication or request where I have to fill out information I never receive any kind of confirmation that the request reached this company or any of its representatives. When I call to ask why I'm pointed to the sites internal message log when there should be an option to receive communication updates by multiple email account, etc.

    This company not only engages in erroneous repayment behavior. It purposely hides its contact information for requesting help on loan servicing assistance. This company is also now in position to buy up private student loans to be added to their currently defunct loan management system. I really hope the lawsuits against this company gain momentum as well as favor in the courts reviewing them.

    The laws defining financial hardship need to be redefined when colleges teach old technology and methods to students when the industry requires current technology be taught to make graduates marketable. One can’t pay back loans when one can't get hired based on not having access to current industry knowledge as part of one's education. This is the position I'm now. I can't pay back loans when I can't get a job in the industry my degree falls under refuses to hire me. Resultant of college programs that are 10 years behind what any industry requires for entry level positions.

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    Verified Reviewer
    Original review: June 19, 2017

    They do not take into consideration hardship. In fact, if you say you are struggling, they ring their hands--smile evilly and have you fill out a forbearance or hardship form. Then charge you interest and increase the balance of your loan. Evil laugh, crack of lightening. Your failure to pay is win-win on their end. Paying rent in California with a family, old cars in need of repair, just getting by and they want $484 a month. I hope this company gets hacked by Russia or China.

    Original review: June 14, 2017

    Run far and fast if you can! If your student debt does get assigned to Navient, prepare, and stay on your A game. I've been with them since graduation, never missed a payment, and the experience has been HORRIFIC. All customer service is routed through an automated system. When you are able to get someone on the phone they are often less than helpful. They will often provide inaccurate info and try and steer you toward forbearance without even mentioning that it will cost you much more in the long run.

    I've been signing up for IBR for about 5 years (no thanks to Navient) and every single year it is a song and dance to ensure they've received, processed and approved my application for IBR. Reps often say things that contradict the email communication and there's a general sense of 'left hand doesn't know what the right hand is doing' over there. Like I said, if you are assigned to them, stay on your A game and stay on top of them. It is little wonder they're being sued by the government. Definitely BEWARE!!!

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    Verified Reviewer
    Original review: June 3, 2017

    I have five Parent Plus loans, four for our son and one for our daughter. They are so messed up, I've already been working on them for two months trying to sort them out and there is still no resolution in sight. Payments made in first 120 days of loan disbursement should be posted as refunds and no interest applied. However, they only applied the refunds to loan 2. Payments made prior to repayment status are to be prorated between loans however, there are months where 100% of the payment went to loan 2 (the one with the lowest principal balance of all five loans) and no payments were posted to the other four, allowing interest to accrue at a ridiculously high rate.

    When payments were posted, they are not consistent at all. For example, some months $20 would be posted to one loan and the next month would posted to that same loan (the total payment made, which was to be prorated between all of my loans stayed the same - just the proration/allocation changed). Now in repayment and was given a payment schedule however, they do not follow that schedule. In fact, loan 2 had a monthly payment of $84.84, which they followed for 10 months. Then, the payment dropped (?) to $73.33 for about 18 months. Now, it has dropped (?) again to $17.33 (barely enough to even cover the accrued interest!!! What a scam... the lower the payment, the longer you pay, and the more interest they accrue.

    I have spoken to 2 customer service reps, a senior account rep, an account specialist, faxed a manager (since you can't ever talk to one and I was given their name and fax number), and am now working with the consumer advocate's office. The advocate sounded like she wanted to help. However, her "help" has resulted in loans being even more messed up. I told them they had until 6/01 to get it straightened out before I filed complaints with anybody and everybody involved who could possibly help. Their reply was that they needed "time to research" my loans. What have they been doing for 2 months? I am done "working" with them. Time to find another avenue to get this resolved before they bankrupt me because their information is incorrect.

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    Verified Reviewer
    Original review: June 1, 2017

    Navient is a legalized scam company. I applied for the 2-year plan of $172.00. I was told I would be notified when the 2 year period would be up and I’d be able to apply for another 2 year agreement. Upon making my recent loan payment I noticed that my loan had increased from $172.00 to $465.00. I immediately called Navient to see if this was an error. I was informed this was my new payment. I asked why I wasn’t notified about the increase either by letter or email. Daniel, the representative stated I was sent an email on May 4, 2017. I check my email everyday even my junk email, there wasn’t an email stating this new transaction. This company lies to cover their own mistakes. The representative starting asking me for my tax information which I thought was very odd. I had to put my loan in forbearance until they get their lies together. This is a horrible company. I hope this is one of the companies that is eliminated.

    Original review: May 30, 2017

    Sallie Mae/Navient calls me every day, sometimes multiple times a day from different numbers. I have tried blocking all numbers that they have called me from and have run out of the allowed number of blocked numbers that my provider allows. They attempt to call me on weekends and late at night. They never leave me alone. I am paying what I can when I can pay them and they are almost paid off but yet they continue to harass me day in and day out. I hope the pending lawsuit wipes out their company. They are the worst company I have ever dealt with and that's saying something having dealt with many bad organizations/companies over my adult life.

    Navient Company Information

    Company Name:
    Navient
    Website:
    www.navient.com