Navient Reviews

***BEWARE***. DO NOT USE THIS COMPANY. This company is part of Navient. I have a private student loan that I wanted to refinance, since I have a much better credit score and have NO OTHER DEBT other than this private loan. Which I have been paying MORE THAN MINIMUM due each month for the last two years! My original interest rate was 9% and I was offered (prequalified for) an interest rate just below 6%. So, you authorize them to pull your credit and THEN they require a ton of various paperwork, all financial account records, 2 years of past tax returns. All were provide to them within 24 hours.

Sallie Mae/Navient had control of my student loan for 24 years. For 24 years, I would have to fight just to get my IBR form accepted. I would literally fax, e-mail and snail mail it weekly for over a month before it was applied to my account by which time they had reported me as delinquent on payments (which were more than I made a month) to the credit agencies. Online submissions always gave me an error when submitting, even though all information was correct. When I asked if my student loans had been consolidated I got 3 DIFFERENT answers to a 'yes or no' question (hint: the actual answer was 'no'). Some months I would get 15 to 20 notices PER DAY about my loans all of which looked identical. During COVID, they would automatically opt you into paying every year which meant you could not opt out again if your circumstances changed. Customer Service is useless even if you go up the chain of command.

I don’t understand how Navient continues to do business! These have got to be the some of the Biggest CROOKS there are! How in the world can Navient be sued by [Several] Attorney Generals, and still be in business, doing the same exact thing?! Is ANYONE Monitoring Navient?! And, unfortunately, when I (who live in Somerville, Massachusetts) reached out to the Attorney General’s Office, they were of Absolutely NO Assistance, though I could (and still can) Prove over and over again, how dishonest this company has been towards me. Maybe it’s all politics… Really Sad that They (our politicians -of any sort-no matter the party) only want to hear “Your story” or help if it gets them in/on the news, or it’s time for election. Navient does NOT provide the correct information. They only respond to your request, of their choosing, and their response [Most Times] does Not help, in any way.

Navient always gives me inconsistent information. I applied for a forbearance due to moving related reasons a few months back. Then with a different rep it turned out it had only applied to one of my two loans, this was annoying but I managed to make the payments anyway despite I should have been on forbearance at this point. I talked to a rep who claimed it would start August but in late July I still got a Bill when I checked what had happened they back dated it without my permission, then told me there was nothing they could do. There are probably worse companies but this one is the worst I have to deal with by far.

Updated on 07/07/2023: You've been told multiple times and I reported you for the harassment. But yet you still keep it up! You didn't follow through with the terms you offered when I first signed up back in 1999. You keep saying I qualify for relief and then say I don't. Make up your mind. Constantly call and email to get me to re-finance the loan. NO!! Why would I pay more and longer?? Last time I'm telling you to leave me alone. I'm on disability from an accident that almost killed me. And my health is very poor to where I go at any time. Leave me alone for the last time. I'm not joking!!!

I emailed them my forbearance form and paystubs but they denied it. I explained to them many times that I can’t afford the payments. They only care about money. They wants money and don’t care about us.

You'd think the company would make sure their website works 24/7. Have had an account for +15 years. Out of the blue, it deletes my email address, sends me snail mail to update it--but their fricking system won't take any email address input. The kickers--their online chat is for ** and if you want to send an email to them--you have to have a listed email in your profile--the very problem I'm trying to resolve. There's no excuse for non-functioning websites in today's web environment.

I received a Private Student Loan for college in 2005 from then Sallie Mae. I was young and foolish, with no understanding of how loans and interest worked. This loan should not have been available to someone in my position. The loan was granted with a co-signer, my father. After failing out of college I started repayment. Every time I needed help I was mislead or otherwise. I now work in the trades and have been working diligently on repayment. My father needs released as co-signer for personal reasons. This is where it gets ridiculous. I reached out to Navient to have him released as a co-signer. I was Rejected. Reason: I didn’t graduate. I make 2x as much money with better credit than my co-signer but I couldn’t release him because I didn’t graduate college! Ability to repay wasn’t even a consideration in this case. If college is in your future I wish you the best. Navient is a great place to avoid for funding this dream.

Distribution of funds for late/current payment difficult to read for non-finance majors. Have to search 'fine print' for definitions of 'wording' and 'concepts'. Bold faced/red numbers/words distracting and patronizing (similar to text jargon for "SHOUTING"). Overall, I detest making payments on this site!!! Truly unappealing, offensive, and just AWFUL!

I have had a loan with Navient for way to long.. I try every month to log in and check my status to verify payments have been received etc. ... Every month I have to call to get logged in because the website doesn't recognize my login. It tells me my username if I ask the bot but the password is like trying to get into Fort Knox. This is the worst website and I know because I also use the Connect Colorado website for insurance and that one is bad but I believe this is the worst.