Navient Reviews

Original loan $12K. Been paying for years (on time). The balance is now over the original amount. Navient will not reduce the interest rate or offer any suggestions. I really do not know what I can do except to keep giving them my money and getting nowhere.

This has been a complete joke. I have no idea who owns my student loans! These crooks can’t tell me why I am paying $75 out of $100 in interest. They tell me I’m paying 2% interest! What? I’ll never give them another penny!

Initially I had no problems with NaviRefi. I had a seamless experience while repaying my loans and had none of the mentioned problems with payments or overpaying and allocating where the funds should go. However, I stupidly just noticed they have been continuing an automatic payment of $189.78 from my bank account for the past 17 months. My fault I didn't notice it sooner, but really it's inexcusable on their part. I contacted them to ask if they had record of the payments and received a reply that they have received no payments from me. However, I received a 2019 tax form showing interest paid for that year. Interest on what? My loans were repaid in full in October 2018. I have filed a claim with my bank who will be pursuing this.

Navient has consistently been the worst experience of my loan repayment process. Let's be honest here, loan repayment can suck after student loans become due even in the best circumstances. Navient however seems hell bent on making every inch of the process a tooth and claw fight to get rid of these things. They respond to some government processes and not others. Their website consistently does not work. Their app consistently does not work. Their customer support is often aimed at getting more money out of you instead of acting as the "servicer" they attempt to classify themselves as.

Loans are applied for with the understanding it will be paid, why won't Navient agree to a settlement? All they care for is the interest and late fees. Sad Sad company. Sorry for students who have to use them.

I used to be ok with this company, but not anymore. I received several e-mails from them stating I owed a payment. The customer service person told me that loans owned by the Federal Gov't are automatically placed in forbearance. But that Federal Gov't loans handled by commercial lenders are not subject to the recent law. What is that????

Got a call today from Navient (April 1st---April Fool's Day) about a Special Offer due to the coronavirus. They are offering to forebear on payments for 60 days; HOWEVER interest will still accumulate. THIS IS EXACTLY WHAT THEY WERE DOING BEFORE AND WHAT THEIR CURRENT LAWSUIT IS ABOUT. They actually make more money by persuading you to put off your payments while the interest accumulates.

Navient is a bank that does not care about the customers. Navient only cares about your money and making theirs. Navient is a company owned by a bunch of wealthy rich people who plan to destroy the American dream and are not doing anything to help the country. My student loan is currently at 11.3% interest and I make payments on time. I actually pay more than the minimum. I am looking forward to refinancing this horrible debt as soon as possible. It is my hope that this organization cease to exist in the near future.

This company continues to call me, they say about my student loan. Only problem is IVE NEVER HAD ONE...WITH ANYBODY. I attempt to call them and the message says the can’t check my account without my full SS number. Are you kidding? It’s the oldest trick alive. Do not deal with this outfit. You’ll be sorry if you do.

You all need to have representatives who speaks English much more clearer, because these foreigners accents are very deep while talking too fast. I cannot understand the important information they're trying to interpret. Let’s be clear; I am not discriminating at all, but it would help if you would have people who speaks with an American accent coming from an American found company like Navient. Thank you!

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!

I have been paying on my student loans for almost 3 years and my total balance has not dropped one bit. I had a defaulted loan which I targeted first. I paid off the loan for it to reappear in full. I spent so much time going around and around with representatives to get answers with no end in sight. I finally complained on the company's Facebook page and was contacted by another representative who could see the payments I was making. She explained that the loan was originally a higher amount and that the loan was split in two. She further explained I paid off the defaulted amount of the loan. The defaulted amount? Isn't the entire loan in default? Is this even legal?

To preface this review, I want to be honest that I have only been a customer of Navient for a little over a year. However, I have encountered on numerous occasions wrong information and mistakes that have cost me significant time (not to mention added headache). As a consumer, I have paid my monthly payment in full each month and consider myself to be fairly financially savvy. To mention just a few of the many mistakes and wrong information that I received, they had incorrect records on my number of months of forbearance remaining and tried to claim that I was incorrect. After speaking with a supervisor once, the problem still was not solved. I had to call back and speak to a second supervisor just to get this mistake corrected.

I have graduate school loans at Navient and Nelnet. I’ve had these loans over 10 years, and my loan at Navient is an inch away from being paid off. The contrast in experiences is night and day. Navient has been one colossal headache after the next. Nelnet has been consistently fantastic to deal with. For example, my county was recently hit by TS Imelda and the President declared us a federal disaster area. My home was hit by lightning and we suffered damage that cost us several thousand dollars outside of our insurance. Without my even asking, Nelnet saw my county and went in and applied a 4-month forbearance to my account. Navient, on the other hand, sent an email asking if I needed help, but made me call and jump through all sorts of hoops.

Please, while reading my review feel free to insert expletives when you see the "%" sign. For the last 2 % years, since I started paying back my freedom from the % Navient, I have not once been able to sign in without being blocked after 3 % trials. I got to the point where I noted my % password on top of my % monitor. Yet, as soon as I try to log in, % Navient website blocks me out. I've changed the password so many times that I am running out of ideas for passwords. This % website is as % as the slave owner Navient program. I should have stayed clear of these loan sharks.

I started out with a $20,000 or $25,000 loan after earning my master's degree in 2011. When I called to state that I was struggling with payments, Navient (then Sallie Mae), cheerfully told me I could defer the loan. Then when Sallie Mae became Navient, agents continued to cheerfully tell me I could defer year after year after year. Well, a thing too good to be true really is!

I have graduated from Everest Institute 2011 and ever since then Navient lied to me, harassed not only myself but my co-signer with phone calls everyday from morning to night. They call even if my payments are on time. There was times I called and was put on hold for 20 mins or more before representative would take my call. They made false statements on how I am two months behind when I am not. They have taken their payment out of my account early, which has costed me tons in overdraft fees. They also have double charged me before too, taking two payments out at once. This company is nothing more than money sucking criminals. They refuse to work with me in the in the past when I was unable to make payments. I have had enough of the harassing phone calls and their lies. I really regret getting student loans through them. Now that Everest Institute is no longer around, they claim there is nothing they can do for me.

Navient said they couldn't give me a guaranteed estimate on what my new interest rate would be without an application, but gave me a rough estimate of X%. Navient then advised me to submit my application to receive an estimate. They explicitly told me that after I received the estimate I would have paperwork to sign to confirm that I wanted to go through with the consolidation. So, I submitted my paperwork and supporting documents. I soon decided against consolidation, and figured that once things were processed, I would reject it. Well, 2 months later, I suddenly received notices from my new loan provider that a consolidated loan had been dispersed. I called everyone, and there was nothing I could do to undo it. And my interest rate was almost 2% higher than Navient's rough estimate of X%, to boot. Navient tricked me into consolidating my loan against my will. I could never have imagined I couldn't trust them. Be careful if you're dealing with them.

They disabled my account and refuse to open it back up for me SO I CAN GIVE THEM MY MONEY because my dad's deaf and can’t speak on the phone. And they need him to speak on the phone in order to unlock my account so I can pay them????

They left a message once. It was for a strange name. Now they call all hours of the day and night. I have owned my condo for 4 years and have had the same number ever since. Whomever they are trying to reach they simply have the wrong number yet the call continue, again, non-stop and are getting earlier and earlier in the day and well into the night. The few times I have tried to answer the call there is nothing but silence. I tried their website but there is no way to contact them without offering my own personal information.

This is for those who are an ELDERLY person with student loans, RETIREES, NO-INCOME persons, etc., and you need to apply for the yearly no-income exemption, but have not yet applied yet for 2019-2020. CALL NAVIENT. The application takes 3 WEEKS to complete, and will not be completed by JULY 29, 2019, at this point (JULY 12, 2019). This is AFTER the BILLING deadline of JULY 28, 2019, the previous yearly-exemption. Call Navient, and ask them to move your payment date back, so you can complete the application. It is in the borrower's own best interest to be made self-aware, such as this example, where the bills arrived to the home not more than a week ago (JULY 12, 2019).

I have been harassed by these spammers for months on end. They call me daily and want to talk to me about a student loan. I have not now nor have I ever had a student loan. I have told them this and they said they would stop calling but still it is happening daily. They change their phone number every time they call. I block it and yet I still get calls. I am now on a mission to make people aware of the harassment.

These guys are purveyors of misery and suffering. Since they inherited my loan from Sallie Mae, they screwed with the amounts owed and where I was in my repayment to such a confusing state, and all records seemed to go haywire as to be utterly useless. As if they simply altered everything to suit themselves. Complete lack of transparency and you have to jump through hoops to figure out where you're even at in repayment. Truly an evil, nightmarish loanshark.

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!!!