Navient

I called Navient to try and set up a payment arrangement and the guy I spoke to was the most inconsiderate, rudest, jerk I have ever dealt with. He asked me “why my co-signer can’t make a payment for me.” I replied that my uncle was my co signer and had died this year and I told him to not be rude. This guy started yelling at me that “takes offense to me saying he’s rude”... Are you kidding me “Navient”. This is the type of people you employ? The guy then told me “good luck on trying to get a payment plan!!!"

I can't pay my loans because I can't get a good enough job to even pay rent and eat food like a normal human. The loans are sitting and collecting interest at 6.2%. If I look up my payment options, I can pay about $300 a month for 300 months and pay a total of over $80,000 on an actual $36,000 loan I took out over 8 years ago. Student loans are a rip off. Consumer beware. Go to a trade school and get into skilled labor or forever be a slave to student loans.

After years of faithful payments on the educational loan that was shuffled from Sallie Mae to Navient, and after paying thousands of dollars in interest, I was encouraged to get a pre-approved email offer to refinance my loan using NaviReFi. I applied using the offer code and was promptly denied. Further, I noticed that my variable rate recently increased (right about the time I got close to paying off the majority of the interest charges I've incurred over the last 12 years). This company is a disgrace and a rip off. It's shameful that this is the tolerated standard for EDUCATIONAL LOANS.

I made a rather large payment to pay off the balance of my loan. The payment was posted to an old bank account, which had been removed from my Navient portal years ago. I received an alert from my bank about the pending request. After speaking with three different customer service reps, including a "manager" and a "supervisor", I was accused of selecting the incorrect account from which to make the payment (an account which, to do this day, I still cannot see in my portal). The "manager" can see the account in question and insists there is no way that this could be an error on Navient's side. The only way payment could be drawn from that account was if I had manually done so. I have proof of the account I made the payment from, and it does not match the account that the payment was drawn from. When I mentioned this, I was told I was "mistaken".

I contacted Navient by phone about paying off the smallest of the two consolidated loans in its entirety and making a regular payment on the larger loan ahead of the forbearance date in November. After going through 3 levels of account representatives I was assured that my payment would apply to the smallest of the two consolidated loans and pay it off in full. That would have saved me approximately $45 per month which I could have applied to the principal on the larger loan. I later learned that they applied the amount to the largest loan so I still have two consolidated loans with Navient. I believe Navient deliberately misdirecting my payments in order to prevent me from paying off the smaller of the two consolidated loans. When I contacted them by phone on 10/15/2018 and described the problem, the representative was unresponsive. When I asked to speak to a supervisor I was put on hold and eventually had to hang up after about 30 minutes.

I am the co-signer on a loan taken out by my niece. The loan is paid by automatic deduction, yet they keep calling me saying the loan is not being paid. I am getting about 5-6 calls a day from them and am tired of it.

I took out a student loan for about $7600 in 2007. I have been making payments on this loan for about 10 years now. The payments that I've made total over 11,000 but my principal balance has gone down by only $2,000. They keep raising the interest rate so the amount of your loan attributed to the principal never gets higher. They don't inform you when the interest goes up. You have to remember to log in and check if it's gone up. They also don't let you know there may be a payment plan available that will get you out of debt sooner.

When the interest rate on my private loan from Navient went up to 10.35%, I knew I had to refinance. In order to do so, my new lender requested a 30 day payoff statement from Navient. Apparently this has to be generated with a phone call and is not available online. When I called, the woman I spoke to told me it would be available within a few minutes in my email. Perfect! Only problem was that I never got it. Called again and spoke to a man who told me this information was incorrect and that I would get it in 24-48 hours in my inbox, not my email. Perfect! Only problem is I didn't get it after 2, 3, 4 days.

They're predatory and absolutely unhelpful. You're better off researching ways of taking care of your loans than reaching out to them. They push forbearance on you so the loan increases. Terrible TERRIBLE company.

Sallie Mae changed their name to Navient so they could extort more money from students all over the nation. Their 'Debt Collectors' are idiots who do Navient's Dirty-Work. I called my attorney and lo and behold, as soon as I mentioned Navient's Vice President they immediately started laughing and told me to ignore him. Since Navient is a well-known scammer, don't think they can sue you. If they send you one of those 'Litigation Reviews', crumble it up and throw it away. I've had friends who were threatened by these morons and guess what? No one got sued. If you want to give them some headaches, do what Lawyers suggest to do when it comes to Debt-Collectors from Navient. Send them a certified letter asking to validate every cent that you owe.

Navient is the worse company ever and since they took over from Sallie Mae it’s been nothing but HELL. Their customer service is the worse and they don’t are not willing to help the customers. Stay away from this company!!!

After graduating high school in 2016, my parents convinced me to try one semester. Unfortunately I didn't have the money, and I needed exactly $1,200. I didn't enjoy college, and backed out. Leaving me with a loan of $1,256 including interest. 6 Months passed, and it was time to pay my loan off. Over the phone I agreed to pay $314/ month for 4 months (starting in April 2017, and ending July 2017). Payments were made in full and on-time, and Navient and I were done. The story doesn't end there though.

In June of 2010 I co-sign for a student loan in my daughter's name. For the past 8 years if she was so much as a day to 3 days behind Navient would call me in addition to sending a paper bill through the mail to my address. With eight full years of payments made and only three payments left my daughter mistakenly skipped a payment. I was never notified with a phone call or a paper correspondence through the mail. I never authorized nor was I made aware that they would no longer be calling me that they would send one correspondence to an old email address that went to the spam file.

Being disabled and living on SSDI is not by choice. Life and medical circumstances can be challenging to our lives in many ways, many times. Navient repeatedly denied receiving any forms submitted, repeatedly. Forms submitted requiring signature? The office stated they had no idea who signed but they did not receive. I had faxed, emails, and sent certified mail all necessary forms.

Navient is absolutely criminal. I have spent the last 4 1/2 years paying all of my monthly payments on time and always over the minimum payment due. My interest rate has consistently increased during the life of my loan without any notification ever. And by last month it was over 12%. I have made several calls to Navient regarding my interest rate increase over the years, and every time I have gotten the same rehearsed useless answers. The customer service is horrific and useless, and really makes you feel helpless.

If I could give Navient 1/2 a star I would. My issue with this company stems from my monthly payment for July 2018. My payments are due on the 27th of every month. I scheduled my payment through my bank's bill payment system on July 27. However, by August 1 or 2 I realized that my account showed a past due balance. I called their customer service and a lady I spoke with was quite presumptuous and condescending. But I stuck it out and made my case that I don't understand why it should take Navient so much time to update my account when other accounts I paid through my bank's bill pay on that same August 27 had updated already. The young lady convinced me that it can take up to 4 business days for payments to update. I was not convinced but I ended the call.

I am down to my last three payments and have made the same payments for roughly 10 years. When I logged into my account today, the total due was nearly double what I've been paying. I just called to find out why? Couldn't understand anything or get any clear information. After roughly an hour on the phone -- still no clue as to why?

This company replaced Sallie Mae so I had no say in choosing it. This company has the worst business ethics that I’ve ever dealt with. They are constantly changing the set pay amount, you look and all of a sudden you have a late notice. While no indication, notification or reason of why/when the change is happening. Lack of communication and unethical business practices run rampant. My suggestion to anyone would be to avoid Navient at all cost!!

More difficult to work with than Sallie Mae. Calls are made to an overseas service, service workers are difficult to understand and have yet to understand my requests without several repeats. Payments are higher with Navient than with Sallie Mae. Be cautious... whenever they reassure me none of my requests affect my credit rating - my score takes a little.

I've been with Navient, before they became Navient when they were Sallie Mae. Lately this year I've had nothing but problems with my loan and bad customer service with this loan company. I made a mistake in my life by getting this loan, I've come to accept that and I've owned up to my responsibility by make my payment on time for the past 4 years but, unfortunately I have low income and cannot survive and make the original payments of 215.00 payments. So I was accepted into the rate reduction program and set up auto payment and haven't missed a payment. Fast forwarding to May of 2018 I called in to do my financial so that I could continue on this rate program. I was advised it wasn't available at this time, and that to call back at the end of June when my program was done to set it back up. I called back after my "last payment in the rate program."

This company is horrible. They have hardly any payment options, and I refuse to use a bank account. They use to offer credit card payments, with an enormous fee, but they got rid of that option. They seem like a very greedy company and very inconvenient. It's pretty sad when a collection agency is easier to work with.

I have documents from bank payoff and check copies. Navient received check and applied 3 days later after bank disbursed check. They are telling me 10 years later that there was a 55 (1st girl) principal balance. I talked to a supervisor which then said it wasn't 55. It was 240. Now balance is over 400 from March 2018. I called again. They said no one can help me because the idiot manager put notes and she supposedly is giving me a deal. All 3 persons told me that if this has happening to them they would be very upset but they could not help me.

Terrible company. I have been trying to get the school to refund my loan for years, that’s a whole other battle over lost emails, paperwork, the person I was dealing with left and nothing can be retrieved. I recently had my loan put into forbearance by Navient because the school is finally starting to work with me, but since then Navient decided to send credit bureaus my loan is delinquent by 90-119 days, that dropped my TransUnion 78 points and my Equifax 50 point. If you need assistance with a school loan by all means do not use this company. They are not out to help you at all. I have in the past tried to get the school and Navient to speak to each other with no success, I just wanted the school to confirm to Navient that I am trying to work this out. To give an idea what Navient has done to my score I was on the closer side of 700’s. Now one of my scores is 545 and the other is around 575. Navient is a life destroyer. DO NOT USE THEM.

I was basically "encouraged' into doing their auto pay since I had delinquent payments. Okay fine, I'm cool with that. One year later, it's just not working. I need the flexibility of a non auto draft. So I turn off auto pay. At first they stopped, then the auto draft started again. Okay, it was unexpected, but our budget could cover it. I turn it off again. It happens again. I tell them on a call to stop it. It happens again. I send an email and turn it off again on my online profile with them. It happens again, this time overdrafting our account and taking our grocery money. I send an email and yet again have to click off autodraft on the page. I get an email confirming this. They did it again, and overdrafted us... again. I go and turn off autodraft one more time.

I received an unwanted marketing text blast. I called a company asking very nicely for support and an explanation in their process for text blasts. A very rude and defensively angry man, named Alan, said the best he could do was mark my name for removal. I am on the do not call list and would like to know who was responsible for making sure those numbers did not get included in their text blasts. He said it was him and he hung up on me. What good is the DNC list if business people like this are able to ignore it?

I'm a cosigner and I've been in contact with Navient concerning my loans because at the end of the year they stop taking payments from the trustee. Sallie Mae just forced us into this very high interest rate with this company who all seem like they don't have a clue about anything. When I got in touch with the advocate office, they did the same thing. No one has any answers but are quick to threaten me about payments that they didn't receive because they rejected them and sent it back to the trustee. Now I have my hard earned money stuck with the court. It's time to put these crooks out of business.

Wouldn't even give it one star if the option was there. I started paying my loan with Sallie Mae over 14 years ago (using automatic payments from my bank account). NEVER missed a payment and/or NEVER been late with a payment. They recently started increasing my interest rate so NOW I have an addition 3 years added onto my estimated last payment due date. This is insane. PLEASE do not trust this company. I noticed every time I include a little extra $$ in my scheduled payment is when they increase the interest rate (to compensate for the money lost when a person pays his or her loan off early). AGAIN, this company will screw you one way or another. They have increased my interest rate over 2 points in the past year and half (in small increments every time I pay a little extra towards my principal). OH AND THEY DO NOT NOTIFY YOU WITH EACH INCREASE. WORRRSSST COMPANY EVER!

I live abroad, make the painful effort to pay off my loans every month, even though they are crippling and essentially render me unable to do anything other than go to work, pay rent and eat. Now Navient is telling me that they no longer accept credit card payments and that I have to go through a third party money wiring service to pay them, thus accruing a fee every single time. This is absurd and yet another example of Navient punishing its CUSTOMERS. They also blocked me on Facebook for criticizing them. This company needs to be burned to the ground. They prey on students and are helping to cripple an entire generation.

Navient took over for one of my loans that I'd been paying faithfully since graduating almost 10 years ago. The first few payments went through successfully, then we got an email FROM NAVIENT with a new address for us to begin sending payments. We send the next TWO PAYMENTS to that address. Suddenly, I'm getting phone calls (along with my 95 year old Great Uncle, my co-signer) saying that I'm behind by 2 payments. It took multiple 45+ minute conversations over the span of 3 or 4 days for the supervisor to finally see that my payments went to the Department of Education and NOT to Navient, even though the payments were sent to the address that Navient told us to send them to. The solution? Call the Department of Education and request a refund (around $1600), upon getting the refund, send that money BACK to Navient...

I just spent 40 minutes with customer service at Navient. I'm not sure if I'm reaching a call center in a foreign country, but it sure feels like it. They just kept repeating my problem back to me. Putting me on hold for long periods of time. Then again repeating my problem back to me. I am a co-borrower on a loan, noticed an automatic payment was all of a sudden being split between 2 loans I have with them. For 10 years this payment was assigned to this one particular loan. I asked for them to not split the payments and allocate it to the original loan. Rocket science? No. They just couldn't wrap their heads around it. I finally hung up after 40 MINUTES of sheer futility. Stay aware from this loan company!