Navient

So far I’m OK because I know that they are going to take care of my credit. I really hope that things where they’re supposed to re-put meaning that things get better and so does my credit. I have confidence in Lexington

Confusing process and website was difficult to navigate. The need to go to different sites was limiting. Phone calls need to be answered before having to navigate a robo chain. I understood more when bills were mailed.

This company has been so easy to work with and the Customer Service is exceptional. There is always someone willing to help via email or a phone call away. There are so many options to help you out when you are low on your cash flow and need help with the payments-- this place has endless glory! I am so thankful!

I have been paying IDR since 2010 loan consolidated 2018. What about my money? I am only paying off interest. The student loan operation is very unprofessional and there have been many problems paying this loan off!

This provider sent over a closed notice to the credit bureau and when I called because I started receiving bills from them they told me that that was done in error. So I waited and they further reviewed and then I was told by the client service department that I was provided the wrong information with my previous called and they don’t show any record of the account ever being closed. I had asked why. I was told by the previous representative that she shows exactly what I am talking about. That she doesn’t see it and asked them to make this right somehow. But this company is so money hungry that even though it showed me over two years ago that the account was closed they will not do anything to assist. This is the worst company I’ve ever dealt with and would not recommend them to anyone as all they care about is lining their pockets and have horrible business ethics.

I file to consolidate my student loans but they placed them on my credit report and caused my score to decline .1. Steering borrowers into forbearance instead of income-driven repayment plans. Forbearance More Costly: New Jersey claims that Navient puts profits ahead of people by allegedly steering student loan borrowers toward forbearance (pausing student loan payments) instead of income-driven repayment plans (which bases your student loan payment on discretionary income and family size). Income-Driven Repayment Better Option:

I borrowed $$ to get my advanced degrees, expecting I would get a commensurate job. Oops! I went into low-paying State Civil Service. (I thought I could get my loans forgiven thru the Public Service Loan Forgiveness program, but apparently I didn't fill out the right paperwork at the beginning...?) I got on Navient's income-based program. Without that program, they want me to pay them over $1500/month. But I was able to simply send them my tax returns to prove I couldn't afford that. In fact for a couple of years, I only had to give them permission to "link" to the IRS. But suddenly that's not good enough. Now they want me to fill out 17 pages for each of several loans (which apparently they had dis-consolidated), EACH YEAR, in order to continue with the income-based program. I called and said "You can't make me do that, it violates the Federal Paperwork Reduction Act".

I was using this garbage company to pay my student loans. Covid 19 struck in March of last year and a notice was put in bold print on their site "All payments have been suspended until September 2020 or until further notice". I tried to payoff my student loan but the online payments would not accept it. Months later I do a credit check and I have been marked 150 days late. Destroyed my credit. Only way I could get my credit back in place is if Navient, the money making machine, just once stops being a business for a second and own up to the message they had displayed on their website in March and remove my late payments.

Navient is not honoring the President’s Student Loan Deferment during this COVID crisis. My loans x 2 meet all the requirements. At first Navient had posted on its site that all loans meeting the requirements would automatically be deferred and borrowers would receive notice by mail. This was in Sept 2020. I never received notification in mail. I called and the rep allegedly deferred mine for 2 months. I find out that they were placed under Forbearance. I called again after my next payment was due. I was told that Navient is waiting for government funding. They placed me under Forbearance again. They are now refusing to honor the Presidential Stimulus Relief, despite my loans meeting all the requirements.

As a senior citizen with a credit report that reads on every line "PAID ON TIME NEVER LATE". I used to think creditors wanted to do the right thing. Then I co-signed a family members School Loans and was introduced to Navient. Robocalls harassing me for payment even though the student borrower had scheduled a payment. Sometimes 10 calls a day. I thought Robocalls were ILLEGAL for this type business and found out they are but no one was doing anything about it. So I called an attorney who told me they would bring action against Navient but that the first thing Navient would do is call the loan and to be prepared to write the check.