Navient

I really have not dealt with them until Sallie Mae sold my consolidated loan to Navient. I had to be persistent with them about getting a payment plan that I could afford. Found out I qualified for the Income Driven Repayment plan.

I don't have a lot of experience with Navient because Sallie Mae serviced the loans for most of the time I had them (2001-2016.) But I didn't experience any issues with Navient and thought the website was easy to use. My loans were all subsidized Stanford loans, so the loan limits and interest rates were set by the government.

My loan was originally with Sallie Mae. When Navient came into the picture, they offered several repayment options, allowing one to choose the plan best suited for them. When my income fell below a certain threshold, payments were suspended until sufficient income was attained. I can't begin to tell you how beneficial that was to my particular circumstance. A truly considerate and fair company!

This company is immoral and reprehensible. Their CS is the most inept and pathetic of any company in any industry I have ever had to deal with. The advocate 866-432-7939 line is typically not answered. Filing complaints with the DOE is the ONLY way to get any movement out of Navient. They've "accidentally, misplaced my entire account history" when I lawyered up. This company cares about dollars and not people. I tried overpaying my loans and that over-payment became my new minimum. My payments aren't being applied as I have requested on NUMEROUS occasions. If you want to talk with anyone at CS or advocacy, GFL. You've got a better chance of hooking up Eminem with Mariah Carey again! PATHETIC AND WORTHLESS.

The absolute worst loan company ever. If I could go back in time and not go to school just not to have this loan it would be worth it. They do not care about their customers and if you miss a payment they will not do anything to help you. Avoid at all cost.

I published an article on 2/24/2015 on Westwood college, a school that was shut down and the degree obtained was worth garbage. Because I have been fighting for 5 years to my loan servicer Navient/ Sallie Mae to discharge the $65,000 loan for an Associates degree worth NOTHING -NON ACCREDITED OR TRANSFERABLE I heed the warning of watch every word before you sign. The interest on private loans starting 3/05/2011 at $10,000 is currently $9360 after 11/29/2019 at $3.00 per day. I was put on Administrative forbearance till 3/2029 as I am STILL FIGHTING THIS & How much interest will that be??? It is insane that they can corrupt your life for trying to better yourself.

Navient needs to invest in training their employees. They give incorrect information 99% of the time. They also need to invest in updating their website to provide consistent information for the customers and employees. On a number of occasions I’ve made payments on specific loans, however, their site allocated the funds incorrectly, so I’ve had to call and submit an email/ticket online to have this corrected manually. Instead of them fixing the issue, their solution is to keep calling and putting in a ticket online so they can manually adjust each time. This is so inefficient.

These people are thieves! I've been paying more than I should be for over 10 years. I just asked to be put on forbearance for one month and they wanna charge me a $150. I pay you $500 a month and I am never late for over 10 years. You tell me you can’t help me. Really I see why people are not paying back loans. On top of that why is my interest look like it never going down. I really think the lawsuits in other states need to be examined by the government! I’m pretty sure shady things are going on with this company. I can’t believe you can’t change your payment day or be out on hold for one month. This is craziness!

I have been paying my school loans for 9 years now and the longer I pay it, the worst the customer service gets... I have talked to a manager that instead of giving me the number to the federal and educational department he gave me the number to a hotline for uncontrollable crying and laughing (you can’t make this up). That was to see if I could put the payments on hold because I was going back to school. More on that later.

My student loans were with Wells Fargo years ago and they sold my loans to Navient. I have been paying faithfully above and beyond each month for years. I make at least $50-$100 extra on my monthly payments each month and even extra payments if I have extra $. It seems my balance never goes down. I contacted them asking where my extra payment is going to. Her response was interest and then she said, "I mean principal." She couldn't even tell me the difference. I believe they are misrepresenting themselves; they lie and misallocate payments. After the phone call, I advised that any extra payments needs to go to principal. They are cheats and liars. They should be ashamed of themselves!