This profile has not been claimed by the company. See reviews below to learn more or submit your own review.
Navient offers and services federal and private student loans for qualified applicants. It allows students to manage their accounts via its website, providing access to educational tools and budgeting spreadsheets. Its rates are determined by Congress, but it offers a discount for students who set up automatic payments. Borrowers can pay on the website, over the phone or by mail.
Overall Satisfaction Rating
- 5 stars
- 4 stars
- 3 stars
- 2 stars
- 1 stars
- Military benefits
- User-friendly mobile app
- Auto-pay discounts
- 2017 lawsuit
- Can’t pay by credit card
Navient is a federal and private student loan servicer and collector. It’s known as one of the largest federal loan servicers in the country, and borrowers can take advantage of its reduced interest rates through auto-pay.
A link has directed you to this review. Its location on this page may change next time you visit.
- 4,211,347 reviews on ConsumerAffairs are verified.
- We require contact information to ensure our reviewers are real.
- We use intelligent software that helps us maintain the integrity of reviews.
- Our moderators read all reviews to verify quality and helpfulness.
For more information about reviews on ConsumerAffairs.com please visit our FAQ.
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.
I 100% believe this was a setup from Navient to have his auto pay stop the month before I could be released. While I do hold my brother partially accountable, I do feel like this is an isolated event that his payment was missed. Due to the back and forth military activations and covid related issues. My brother has set up an auto-pay with no expiration at the time so we will not have this issue in the distant future, however, Navient could have easily made an exception to this but instead, I have to wait an entire 12 months to be released.
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 was contacted by an outside advocate who helped me get a forbearance until Feb 2021. They also were supposed to withdraw my negative credit reports to the bureaus. (I have to check on that still.) Unfortunately, I had to face breast cancer and surgery starting Jan 2021. Not to mention Covid-19 and the death of friends and family. The calls started again but the tone was different. Once a day- which is legal.
I called today and Michelle was respectful, helpful, cheerful, professional - and full of options. I ended up speaking to Chad- a manager there who has been with the company 14 years- and he helped me with the things that Michelle did not have the authority to do. He was personable, professional, patient, kind, and was involved in the sensitivity training. My Payments will be $0.00/month on IDR. I have not completed the process- and I cannot forget years of abuse and harassment- so I give them 3 stars. I feel that they can be an awesome company if they continue to act properly.
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.
This provider sent over a closed notice to the credit bureau and when I called because I started receiving bills from them they told me that that was done in error. So I waited and they further reviewed and then I was told by the client service department that I was provided the wrong information with my previous called and they don’t show any record of the account ever being closed. I had asked why. I was told by the previous representative that she shows exactly what I am talking about. That she doesn’t see it and asked them to make this right somehow. But this company is so money hungry that even though it showed me over two years ago that the account was closed they will not do anything to assist. This is the worst company I’ve ever dealt with and would not recommend them to anyone as all they care about is lining their pockets and have horrible business ethics.
I file to consolidate my student loans but they placed them on my credit report and caused my score to decline .1. Steering borrowers into forbearance instead of income-driven repayment plans. Forbearance More Costly: New Jersey claims that Navient puts profits ahead of people by allegedly steering student loan borrowers toward forbearance (pausing student loan payments) instead of income-driven repayment plans (which bases your student loan payment on discretionary income and family size). Income-Driven Repayment Better Option:
I borrowed $$ to get my advanced degrees, expecting I would get a commensurate job. Oops! I went into low-paying State Civil Service. (I thought I could get my loans forgiven thru the Public Service Loan Forgiveness program, but apparently I didn't fill out the right paperwork at the beginning...?) I got on Navient's income-based program. Without that program, they want me to pay them over $1500/month. But I was able to simply send them my tax returns to prove I couldn't afford that. In fact for a couple of years, I only had to give them permission to "link" to the IRS. But suddenly that's not good enough. Now they want me to fill out 17 pages for each of several loans (which apparently they had dis-consolidated), EACH YEAR, in order to continue with the income-based program. I called and said "You can't make me do that, it violates the Federal Paperwork Reduction Act".
I must have hit a nerve. Navient 1) hung up on me, 2) never contacted me again, 3) started harassing my brother and my two references -- telling them they don't know where to find me, even though I haven't moved or changed my phone in 20+ years -- and 4) started putting a derogatory report on my credit every couple of months FOR EACH LOAN. They have thereby driven my credit rating from "good" to "poor".
I was using this garbage company to pay my student loans. Covid 19 struck in March of last year and a notice was put in bold print on their site "All payments have been suspended until September 2020 or until further notice". I tried to payoff my student loan but the online payments would not accept it. Months later I do a credit check and I have been marked 150 days late. Destroyed my credit. Only way I could get my credit back in place is if Navient, the money making machine, just once stops being a business for a second and own up to the message they had displayed on their website in March and remove my late payments.
I called twice and wrote a letter and mailed it in. It got me nowhere. How could you be this like this? I truly think this is illegal but I don't have the lawyer to match theirs. It's government, I'll never win. So here I am venting. If Navient were a person, I would consider finding him/her. But it's the USA, the rich get richer off of everyone's debt. We'll never win.
So far I’m OK because I know that they are going to take care of my credit. I really hope that things where they’re supposed to re-put meaning that things get better and so does my credit. I have confidence in Lexington
Navient is not honoring the President’s Student Loan Deferment during this COVID crisis. My loans x 2 meet all the requirements. At first Navient had posted on its site that all loans meeting the requirements would automatically be deferred and borrowers would receive notice by mail. This was in Sept 2020. I never received notification in mail. I called and the rep allegedly deferred mine for 2 months. I find out that they were placed under Forbearance. I called again after my next payment was due. I was told that Navient is waiting for government funding. They placed me under Forbearance again. They are now refusing to honor the Presidential Stimulus Relief, despite my loans meeting all the requirements.
As a senior citizen with a credit report that reads on every line "PAID ON TIME NEVER LATE". I used to think creditors wanted to do the right thing. Then I co-signed a family members School Loans and was introduced to Navient. Robocalls harassing me for payment even though the student borrower had scheduled a payment. Sometimes 10 calls a day. I thought Robocalls were ILLEGAL for this type business and found out they are but no one was doing anything about it. So I called an attorney who told me they would bring action against Navient but that the first thing Navient would do is call the loan and to be prepared to write the check.
I wish now that is what I had done - taken away a paying albeit slow paying customer with a 7-3/4% interest rate loan (which seems close to loan sharking in my opinion) and left them with the non paying borrowers. I wrote my Senators and got a letter from both saying and promising nothing and boy did they deliver. Is it any wonder this generation of kids 20 to 35 embrace socialism, I would have if treated this way. I demanded Navient stop calling and said I cosigned so if the child defaults I will write you a check. Not satisfied with that, they set out to trash my credit and honestly, I don't care. An education is more important than my credit score.
I have not asked anyone for credit in over 20 years and have no intention of doing so. That said, I'm talking to an attorney later today to see what legal action may be next for Navient. And by the way, the family member has not worked since February last year and has only enough income to take care of essentials. I read some of Navient's statements about the last Law Suit where they admit nothing, claim they are being picked on and then point to their results being better than others in the industry. So that nothing they admit to gets better results? There were times I got 40 calls in a week. I don't recognize a number I block it. Then another number calls me and another and another. I must have 2 dozen numbers blocked that, when you search them on the net are Navient. There is your nothing, in my estimation anyway, could be wrong I guess.
An attorney told me how to handle it, I did and then asked them 6 times to Stop Calling Me. They did for a couple of months then started calling again. This time their call came a BAD time. We had just had to put our 16 year old dog down. The phone rang and I answered and during that Robocall pause where the computer has to rout the call back to a person (the point I normally hang up) I became furious over the interruption took the call and I UNLOADED ON THEM. I remember the caller telling me I had no reason to be upset and that just made things worse.
I mean I let them have it and called them and their business practices anything but Holy and demanded for the 3rd time that they stop using this system to call me. Guess what, the calls stopped but not long after that, they started banging my credit report. It is my opinion that they believe the end justifies the Means and have a Corporate Policy that steps on if not crosses over the line now then and perhaps lacks a moral compass in some regards. But that's just an old man's opinion. Based on my experience with this organization I'd urge borrowers go elsewhere.
Got a loan to go back to school in 2003, 17 years later the prices are double and I can’t afford to pay it back. So my credit is ruined from this company. Do not recommend them as a lender, too high.
Confusing process and website was difficult to navigate. The need to go to different sites was limiting. Phone calls need to be answered before having to navigate a robo chain. I understood more when bills were mailed.
This company has been so easy to work with and the Customer Service is exceptional. There is always someone willing to help via email or a phone call away. There are so many options to help you out when you are low on your cash flow and need help with the payments-- this place has endless glory! I am so thankful!
I feel that student service providers although a business can be more understanding that a huge amount of students with huge amounts of loans cannot find a job within their own degrees to justify the cost of their education. They do this because we are all taught only losers don’t go to school, so we try and invest in ourselves and after the dust settles we find that people’s with associates degrees are doing the jobs that use to require bachelors and higher and they are doing it for a much lower salary than ever before. They should be more helpful when it comes to qualifying for salary based repayment.
I have been paying IDR since 2010 loan consolidated 2018. What about my money? I am only paying off interest. The student loan operation is very unprofessional and there have been many problems paying this loan off!
After hearing several horror stories regarding student loans recently I remembered my own story with Navient. I was lucky enough that my employer would pay up to 30,000 towards student loans during your first 6 years of employment. In order to get the max $5,000 a year the payment had to be at least $417 a month. So I raised my payment to get that max benefit. When the 6 years was up I still owed $16,000 ish in student loans. Well navient refused to come up with an acceptable plan for me. I wanted to pay less than $417 because I lived in Northen VA (one of the most expensive areas in the entire country) and my condo cost more than most people's large homes.
The point being, with my job no longer covering my loans, I still had my mortgage, car payment, and I wanted the payment down to no more than $250 a month. They refused and the best they could come up with was to pay $315 a month for two years but then my payment would go up to over $700 a month. Are they insane? I was willing to pay my loans but people have other living expenses other than their student loans. So I took out a TSP loan and paid them off. I paid that loan off in 4 years and paid myself back. Screw you navient.
I have been paying my student loans for 20 years. My loans have been transferred from servicer to servicer. Navient is the most recent one. These loans have been a major hurdle for any financial savings. Student loans are “bad” debt.
I took out $60,000 in student loans from Navient, have been paying them off over the last eight years and my balance is literally $61,000. I have literally paid almost $30,0000 to Navient. This company treats me like they have never received money from me and continually plays games. Hence they are consistently getting sued, how this company can continue to operate in this manner is alarming. How I have a overall balance higher than what I received in funds initially is interesting.
The company has ridiculous interest rates and thinks that decreasing the monthly payment by only $50 is going to help struggling borrowers. They will not work with you unless you have a job, and their refinance option only applies to people who are employed and make $50,000 or higher. The company expects you to come up with the ridiculous monthly payment by any means necessary and will transfer you to multiple departments where you have to repeat the conversation concerning your loans.
They pretend to work with you and will have you and your cosigner waste your time answering questions about why you can't make payments, will process your application pretending to work with you in a rational manner. Only to reject your decreased loan payments or offer a new monthly amount that is no different than what you are requesting temporary relief from. I would not suggest anyone take out loans with a company that refuses to work with borrowers' employment.
They're not keeping their words on stopped payments for covid 19. They told me I didn't qualify and during this crazy pandemic they call me Daily to collect payments even if I pay.... They can care less about what written law is nationwide. They don't honor covid 19 exceptions.
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.
If you EVER find one of your loans in their grubby mitts, pay it off as quickly as humanly possible. Keep every scrap of paper and documentation you can. Do not trust their website to do it for you. Do not expect to be able to keep your records there. They will spend every moment trying to engineer your repayment to garner themselves another dollar.
If you have to refinance it. Hell, knowing what I do now, I would almost pay it off with a credit card! That's literally the worst idea ever, and it still sounds good after my experiences. At least a credit card follows SOME standard of how to treat their clients, and has laws in place to guard you as a consumer. If you can refinance it, or procure a private loan from a credit union or bank, do it.
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????
After I complained, the person said I could have a 30-60-90 day deferment but that interest would still accrue. I am so disappointed with this company. I read they are being sued. Sad that it takes going that distance before they do the right thing. Navient is not doing the right thing. Also, their first e-mail said my payment was due in July. Then I received a second e-mail stating my payment terms changed and that it was actually due in June. So they moved my payment up a month. How nice. If they did their homework, they would know I'm actually still in school because my university allowed 60% of the students to retake the semester. But they wouldn't think of that, I guess. Shameful.
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.
I told them that this is not what the new stimulus package in congress had stipulated and was answered that interest-free deferments are only for government loans and Navient is a private company, so I was not entitled. When I asked to speak to a supervisor, I was denied the request and told that I could only defer with interest accumulating. THIS IS NOT A RESPONSE TO THE CORONAVIRUS. It is business as usual for Navient. I informed them that I would immediately put an account of the conversation on the internet so that others would not be misled. Do not defer your loans unless you have no choice. Deferment increases your debt to Navient and puts more money in their pockets. Hope you lose your case, Navient, because YOU ARE ACTING IN BAD FAITH.
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.
Navient Company Information
- Company Name:
You’re signed up
We’ll start sending you the news you need delivered straight to you. We value your privacy. Unsubscribe easily.