Navient

I have been making payments to Navient for a student loan over the past 15 years. During that time I have sporadically been unemployed or made less when starting a new position, but I've always made a point to pay this loan down as longs as it's economically feasible. I started with a loan amount of $23,000 and with interest over these years it ballooned to over $36,000. Currently I have the loan paid down to $20,000. Unfortunately I have recently become unemployed again and called to postpone or reduce my payments, but was informed that I have no forbearance options left to me. I asked to see what a reduced payment would look like and was offered a $150.00/month reduction. During the call with customer service I was asked to provide the amount in my savings account since I now have no income.

This company is the worst. Payout??!! What payout?? Those of us who still have loans from Sallie Mae should of all been forgiven due to fraud and non-stop harassment!!! Those of us that still have the loans have the interest rates that keep going up so we are paying for those who "supposedly" qualified for loan forgiveness. BTW who are these ppl who qualified??? Are they real ppl bc every single person I have come across has not qualified for any forgiveness of any type from this company or the government. It's a scam!! The only thing that I can hope for is that I die before these idiots gets paid off and they have to wrote it off. Bc these have made 100% profit off of me already and I still owe them and will never be able to pay them off.

I ask to postpone my payments of $55.88 due to (temporary hardship) for a couple of months, but instead they (Navient) demanded $600.00 in 2 months. I am a senior citizen on limited income (earnings). I do "NOT" have that kind of money! "Shame on them"!

This company did not leave not one voice message regarding my account while I am currently still attending college, they set my loan status to default, sent the account to another company in default status, I was unaware until I went to pay 2022 tuition and was not able to because of the current status of my loan, now no one can help me, I have been referred to the other company who refers me back to Navient in which Navient is telling me to call the Dept of Education, just an overall horrifying, disgusting predicament I am current facing because of their negligence, would never recommend anyone do business with this unorganized/incompetent organization.

No wonder this company has got taken down for lies. I called to ask about my account and the lawsuit and was immediately hung up on. I guess they are trying to backpedal like Dr. Fauci with the pandemic. Shows if you give too much power they turn into tyrants.

Some frustrated individual who referred to himself in the 3rd person as "Jay" was incredibly rude, condescending, and did not even let me speak before assuming he knew everything and spoke over me. He tried sending a code via text that never came through (3 attempts). I was trying to ask if he could tell me the number he had, but he just kept on insisting he had divine knowledge about everyone and everything. He finally said he would call back in 60 seconds to allow the text to come through (although I had sent myself a text to make sure all was working...he of course ignored this info...again), and when I attempted to ask him to tell me which number he had on file he hung up on me. Needless to say the phone never rang because obviously he had the wrong number. Total jerk and pompous yank with zero respect for anyone besides himself who he obviously holds in high regard.

I would not recommend Navient for your student loan. After making on time payments for more than 16 years via an automatic withdrawal from my bank, for which I was receiving an interest rate reduction, Navient informed me that my bank had refused payment because my account had been closed. (Not true). So Navient cancelled my auto pay and informed me that my interest rate reduction had been removed from my account. When I spoke with a rep from Navient they said I could re-enroll in auto pay and receive my former interest rate.

They are quick to provide loans, easy to approve extensions and lower payments, but watch out. We borrowed $23k to get my son through college; to date we've paid back over $28k and still have a balance of over $27k. The explanation is interest and capitalized interest. And now they tripled my minimum monthly payment. Customer Service agents are very scripted and can appear knowledgeable as they read the script and provide figures. Most are English as a second language; many are difficult to understand. Would I do it all over again? Absolutely NOT.

I am a disabled veteran in the process of buying a house. On September 10, 2021, I asked for a goodwill adjustment to my credit report to remove a late payment from August 2020 due to covid. They said they couldn't. Then they sent me a letter stating that at my request, they removed an older account. This is a lie. I didn't request that. This resulted in my credit score dropping by 21 points. When I contacted them about their lie, they lied again and said the older account should have been removed after 2 years. Accounts are removed after 7. Why would a corporation do that to a disabled veteran? I have been paying on my account this whole time that covid has been going on. I received a 10% pay cut at work and still continued to pay them. And this is what they do to me? They knew that I was looking to buy a house. They know how credit reporting works. They removed the older account to spite me because I threatened to stop paying them. Capitalism is trash.

You try to do the right thing and help out your family when possible. I co-signed a loan for my brother to go to school and now that he is in re-payment he has to have an account in good standing and also 12 months of on-time payments. This has been an ongoing battle but he is finally in good standing. Well, this is the month I am due to be released and for whatever reason, his auto-pay conveniently ended and his auto draft was not taken out for July so per Navient I am unable to be released and have to wait an additional year. This is beyond ridiculous. No reminders were sent that his auto pay would end, plus he is military back and forth with being activated so if it slipped his mind that he didn't notice the funds coming out, think he had good reason.