Navient

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.

Last year I would have given them Zero stars. They were absolutely awful. Bear with me.... In years prior, Navient called several times a day (even though I sent a letter asking that all communications be through snail-mail). They were threatening me, being disrespectful, steering me toward pricier options, saying they were going to sue me, and outright lying. I was so scared that I would have a panic attack every time my phone rang. I couldn't sleep at night. I tried to reason with them but they made the process extremely difficult and distasteful and would not work with me. I tried to block them but they found a way to get through several times a day. Even when I changed my number. Their tactics were abusive, dishonest, threatening - and ILLEGAL.

I had no discussion with this company but my loan was sold to them and they are very high in interest and you can never talk yo anyone and they do not answer emails. They are under some kind of investigation due to their shady dealings.

Love working with Navient, ease of use, guided steps and helpful all the way. Also they are really good at keeping the user updated not just on anything pertaining to one's loan, but also any information that they see useful or that could have an impact on the user.

I've had Navient for years now. They are good about working with you when it comes to finance issues. They even have a new plan where I can consolidate my loans for a new interest rate. They weren't very helpful when it came to releasing my cosigner. It seemed like I had to fight for that one.