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!

Navient screwed me because I had consolidated my private loan with two other accounts from different creditors through National Debt Relief. The attorney DBA National Debt Relief attempted to contact them several times in an attempt to negotiate my debt down. Instead of working with my attorney, Navient wrote my account off as bad debt two months ago claiming that the attorney never contacted them. I know for a fact that they are lying. Can't wait to have this debt paid off and be done with them for good!!!

I was attending ITT Tech when I first started dealing with Navient. Worst mistake ever! I was still in school and almost done my classes when ITT Tech went bankrupt and closed. I attempted to contact Navient to eliminate my debt. I was given the run around and told that I could that I could do a deferment until I am able to get back in school. I informed them I was a medically retired veteran and a single parent. I was told I could do debt forgiveness. I was not given any other info. I was pretty much dismissed. I had to change degree plans due to not being able to transfer my credits because I wanted to debt forgiveness. This company constantly increased the amount I owed on my loans although I was still in school.

Beware when taking out a loan with these people. You would be better off with a payday loan. My daughter borrowed $5,000 in 2009 and paid $55 a month (presumably the interest for $5,000) from 2009-2015 when the payment went to $126 per month (principal and interest). So far she has paid close to $10,000 for a $5,000 loan. For a year we doubled the payments to pay down the principal which at the end of that time we miscalculated by $30. They called every 10-20 minutes for a $30 shortfall even pestering her 85 year old aunt who recently had a stroke. They have started up these tactics recently and when I complained they arrogantly responded in writing that they can use any means necessary to collect a debt. This debt will be paid off in July but we leave them with nothing but disdain for this company. And oh by the way they are soliciting us weekly to refinance. I'm just hoping they crash and burn.

I had a 4% fixed rate loan on $90,000 - I paid $700 a month and half of it went to principal. They said it was "compounded daily" - it's not 4% then, it's 50% and they are very deceiving and crooks. I don't mind paying back my loan, but this was just pure robbery. After 10 years I had to include $64,000 balance due in my house loan.

I in 2007 needed to take out personal student loans to finish my bachelor degree. I took a loan out for 1,000 and another for 10,000. I started repayment on my loans in 2013 and they were grand total of 15,467. I have been paying for 5 years 237. I recently had to file chapter 13 and because student loans cannot be discharged or excluded they upped my interest rate to 12% almost one year into chapter 13 and it has grown to 19,000 and to think for 5 years I have paid 14,220 and when I get out of my bankruptcy I will have to owe over 30,000 because I am sure they will raise my interest 3-4 times.

God help you when you get in the grip of these criminals. It would take pages to explain their incompetence and dishonesty. The people who work here must empty their souls of any integrity they might have had before going to work. They ripped off my poor wife with insane interest almost doubling the loan amount. Thank God we found a way to pay them off. BUT WAIT. They are working hard, I MEAN HARD TO FIND A WAY TO KEEP THE CHARGES FLOWING. Even though they made a huge mistake, which cost more interest, they would not waive the charges. I fear they will keep finding something to nickel dime us to death. THIEVES AND CRIMINALS. SHAME ON YOU! Someone needs to stop them!!!!

My original student loans were with Sallie Mae and they were consolidated and sold to Navient. For some reason, the current enormous amount owed seems to have grown out of nowhere. The amount is so high I will never even make a dent in the amount.

I am in a rehab program for my student loan debt held by Navient. Pioneer is the company I entered the student loan rehab program through. They based my repayment on my income and it has helped me a lot. However none of these payments or the garnishment Navient had on my pay are reported as payments to the credit bureau.

Consider this a fair warning to those who use Navient as a lender. They will stop at nothing to collect payment if you fall behind on payment for any reason. This includes robo calls throughout the day - every single day. They’ll ask if you can borrow $$ from friends or family to bring the loan current. You can do a forbearance but then your payment amount will go up. Even if you make payments on the past due amount - they will keep calling!!! There’s a scene in Despicable Me where Gru is going to a bank and it shows a figure eventually getting crushed under a pillar. That bank should be Navient. They are the most aggressive lender I have ever had the displeasure of dealing with.

I received loans for Navient. I am currently taking a little time off. I have a 3.7 GPA and work really hard in school. My fiance died, leaving me and my child alone, so naturally i had to take a little time off from school to find work. I called them to work something out so I wouldn't enter repayment, but they lied to me and put me into repayment ahead of schedule. My credit score has dropped 100 points in 24hrs. I was supposed to go look at a new place for me and my child, since we're not in a stable situation and now it is ruined. I'm returning to school in fall, but Navient has entered me into repayment early, ruining my life, and my great credit. I cannot sleep or focus thinking about this. They won't give me answers and just pretend they can't help me even though they said they would. Never ever use Navient. Every single day there are new charges on my account; there is no way that interest is that high.

If I could choose zero stars for this review I clearly would have made such a choice. I cannot begin to describe how frustration and unscrupulous this company chooses to practice. I consolidated my loans and had them transferred to FedLoan under the public service loan forgiveness program. After making nearly 2 years of on time payments, Navient issued me a "new loan" with an immediate payment due. This was, mind you, 5 years after I graduated medical school. I had to speak to 5 different representatives before someone could tell me what this "loan" was. It was apparently a clerical error/account balance after my loan consolidation to Fed Loan, which for some reason was not caught until 2 years later.

After 10 years of public service, my request for public service loan forgiveness was rejected because my loan wasn't packaged correctly. I was advised that I can change it to a Direct loan, work in public service for another 10 years, and pay for an additional 10 years, and then it would be forgiven. When I contacted my senator about the issue, I was told that the Department of Ed was not responding and there was nothing Congress can do because it isn't considered a bipartisan issue.

I was the co-signer of this loan and I didn't have any choices or rights with this company. I tried to consolidated but was impossible as a co-signer. If someone in ask you to co-sign a loan, investigate who is the company or bank, and be sure the person who ask you to co-sign will pay the loan.

My husband and I are in constant battle with this company. We literally are so upset every time we engage with them. They are so predatory, and have never helped up. They have a “file” on each time we called and pretty much have written whatever they feel is going on. Since then we have been recording conversation with their permission. They have failed at providing options for us, have literally called out my husband in saying he will never be successful enough to pay anyways. We wanted to pay a lump sum but they will not settle.

I have been trying to get into a repayment plan for almost 5 months. I have been battling back-and-forth with this company. Every representative says something different. The managers talk over you and don't listen to anything you're saying. They are rude.

In efforts to drive their stock prices high and keep their shareholders happy, their qualified employees knowingly gave me bad advice and placed me in forbearance's and deferments when they should have offered me other solutions such as IBR plans and PSLF. They did not help me whatsoever and now they are spamming my phone to get me on their side and offer "assistance." If you are being serviced by NAVIENT or know someone who is, my advice is to join me and bad mouth this company into oblivion. Tell everyone you know to start selling NAVIENT stocks while you can because I have made it my mission to see this company end up in the penny section.

This company is starting to be the worst when get comes to lowering your student loan payments. I called and spoke with a customer service Rep on March 26, 2019 requesting a lower payment and was offered payment of $89.40. Well couple days later I found out the payment of $89.40 was denied. Customer service Rep claims your debt would have to be $30,000 or more to get a lower payment. Then they want to offer you an income driven loan. Keep in mind they do not consider your other debts like you do have to buy food and have shelter over your head.

They refuse to work with people until they're in default. I settled with them for a lesser amount years after for my private loan only to have them come after me for the difference many years later. Be vigilant and keep good records. They sell your account to unscrupulous collection agencies. They are the lowest of the low. Luckily I only had them for my private loans. I have fed loans for my federal student loans and they are the best...

Stay away from Navient regarding your student loan(s). My daughter's loan were consolidated and Navient raised her payment amount even though all payments were made before the due date while also being on a fixed rate interest rate. I have refinanced this loan with my local bank and received a better interest rate, lower payment, and saving 2 1/2 years off the loan.

Navient has made lives of hundreds of millions of student loan borrowers in financial distress. The lack of communications, the rates of fees, and the undisclosed terms and conditions has resulted in five lawsuits by five Attorneys General. Those being Illinois, Washington, Mississippi, Pennsylvania, and California. My Attorney General faced Navient in court when Navient refused to release borrower documentation. The court sided with Attorney General, Josh Shapiro of Pennsylvania that Navient is now mandated to release all documents requested by my Attorney General.

In 2008 I was contacted by Kaplan University Online and informed about how I could go from not being a high school graduate to having a college degree (Bachelor's in Corporate Finance) in a year! Of course I signed up. After 10 days of not understanding the curriculum, I called the admin office at Kaplan. They in turn told me to withdraw that day and all of my student loans would be refunded and I would not owe anything. Now, after several attempts to contact my loan holder (Navient), they are giving me the runaround.

Not sure you have a choice in this company taking over your student loans as I didn't! I paid for a yr to get my loans out of default with ECMC then suddenly Navient takes over. They started calling my sister in law which is an invasion of my privacy & humiliating! I contacted them to get a rude man demanding 840/mo. I was only paying 140/mo previous but he was unwavering in any negotiation. I told the man I could not afford that as that is more than my mortgage. I expressed my disdain with them calling someone whose name I had never put as a alternate but that doesn't seem to matter as now they are calling my sis in law's sister asking for my number which they already have! Unethical business tactics! I am going to consult an attorney on this but beware of this company and their unethical, ruthless tactics!

I had student loans with Sallie Mae, and once they switched to Navient - I had enough saved as well as family assistance to pay off all my loans, and after reviewing the horror stories as well as episode of patriot act with Hasan ** on student loans - https://youtu.be/t0CyBv18A5k , Navient has to be the worst offender with harassment and poor communication with their client. I want to know why are they still in business. They need to be fired. The Government screwed up big time. I AM SO GLAD THAT I DECIDED TO PAY OFF ALL MY LOANS BEFORE I EVER EXPERIENCED NAVIENT CUSTOMER SERVICE.

I had two loans with Sallie Mae and my loan is with Navient. I did not even hear from them for 10 or so months because my loans were put in forbearance or deferred; however, I did not even sign anything or defer any of my loans except for my Federal Loans. After I got out of college I contacted Sallie Mae. They said I will hear from someone - I wanted to put it into some type of payment because I was and am only making about 32,000 being a teacher. I given up because it took me three years to get a teaching job and I was working as a substitute and small jobs I could get whenever possible. Two or three years later I get a notice from them that I am in default etc. etc. Not only did they have the Sallie Mae loans but also they had a loan of 9,000 dollars that is not even mine.

This company doesnt even deserve the one star I have to give them. This company is horrible and never try to work with those that at least try to make payments. We get harassing phone calls on the daily basis beginning at 8 am and lasting all day. Many times on weekends and they have even called on holidays. The people on the other end can be terribly rude and inconsiderate. You would honestly think the loans we got for school came directly out of their personal savings account. These I often wonder what do they do with people who have nothing at all or those who do not even try try to pay. What do they do about them. This company need to be looked at very closely from the state. They also need to change some things about how their customer service reps deal with clients. They should be mandated to take a class in customer service. May read the Oz Principles or something. Wow!!! The whole company is horrible!

There is deep darkness that seeps into you when you know you have been and are being scammed and no matter where you turn to, there is no escape. Navient is a deplorable, deceitful, and devious company. Please educate yourselves before embarking on a student loan journey. I will make sure my children do not ever experience this. They purposely ruin the information you submit. They deceitfully con you out of your entitled loan forgiveness as a civil servant. Meanwhile, they make all this money off your back. I wish I could rate them a 0.

This company will put 20 accounts on your credit for one semester of school and will knock you down real bad because of all the opens and they see you are still in school but make you go thru a deferment process and they don't care. They are the devil. If you see Navient as your learn servicer run because you are trying to better yourself by going to school and getting a degree and honestly it is worth my credit going down 30 points. They purposely do that and it's pretty sad. Then you have to fight with them to get them consolidated. They are the devil.