Navient Reviews

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About Navient

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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.

Pros & Cons

  • Military benefits
  • User-friendly mobile app
  • Auto-pay discounts
  • 2017 lawsuit
  • Can’t pay by credit card

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Navient Reviews

Stars Rating

  • 21%
  • 37%
  • 14%
  • 4%
  • 23%

Popular Mentions

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    How do I know I can trust these reviews about Navient?
    • 4,477,293 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.
    Page 2 Reviews 10 - 40
    Customer ServiceStaffLoan ProcessRates

    Reviewed Sept. 20, 2022

    I have been making payments to Navient for a student loan over the past 15 years. During that time I have sporadically been unemployed or made less when starting a new position, but I've always made a point to pay this loan down as longs as it's economically feasible. I started with a loan amount of $23,000 and with interest over these years it ballooned to over $36,000. Currently I have the loan paid down to $20,000. Unfortunately I have recently become unemployed again and called to postpone or reduce my payments, but was informed that I have no forbearance options left to me. I asked to see what a reduced payment would look like and was offered a $150.00/month reduction. During the call with customer service I was asked to provide the amount in my savings account since I now have no income.

    I was also asked to provide a card to make the payments with even though I informed them I would continue to make payments online as usual. Apparently, they do not trust people enough to make payments and required me to make an automated withdrawal every month. This is something I simply cannot do without any income. I joked with the customer service representative that I guess I could not pay my mortgage or skip a few meals during the week. The reply was that they were not asking me to do that...yet they would force me to do that by now offering any meaningful assistance. The point here is to not expect Navient to care about your situation. They will literally take money from those who do not have it. Stay far, far away from this company if needing a private student loan. I've been paying for this mistake for 15 years and have nothing to show for it.

    Customer ServiceStaffRates

    Reviewed Sept. 6, 2022

    This company is the worst. Payout??!! What payout?? Those of us who still have loans from Sallie Mae should of all been forgiven due to fraud and non-stop harassment!!! Those of us that still have the loans have the interest rates that keep going up so we are paying for those who "supposedly" qualified for loan forgiveness. BTW who are these ppl who qualified??? Are they real ppl bc every single person I have come across has not qualified for any forgiveness of any type from this company or the government. It's a scam!! The only thing that I can hope for is that I die before these idiots gets paid off and they have to wrote it off. Bc these have made 100% profit off of me already and I still owe them and will never be able to pay them off.

    BTW the account specialist I had today was a completely rude unprofessional and took God's name in vain when I was speaking with her. She lost her patience with me bc I was struggling to get thru the phone call that I could barely hear her on and I was coughing due to me having COVID and told to call back. I told her, "I needed to get this done today as I can not make my payment and it is due today." Nevermind the fact that I waited 40 minutes on the phone to get someone. Just another reason for me to not like this company.

    Reviewed Aug. 20, 2022

    I ask to postpone my payments of $55.88 due to (temporary hardship) for a couple of months, but instead they (Navient) demanded $600.00 in 2 months. I am a senior citizen on limited income (earnings). I do "NOT" have that kind of money! "Shame on them"!

    Customer ServiceLoan Process

    Reviewed June 14, 2022

    This company did not leave not one voice message regarding my account while I am currently still attending college, they set my loan status to default, sent the account to another company in default status, I was unaware until I went to pay 2022 tuition and was not able to because of the current status of my loan, now no one can help me, I have been referred to the other company who refers me back to Navient in which Navient is telling me to call the Dept of Education, just an overall horrifying, disgusting predicament I am current facing because of their negligence, would never recommend anyone do business with this unorganized/incompetent organization.

    Customer Service

    Reviewed Jan. 18, 2022

    No wonder this company has got taken down for lies. I called to ask about my account and the lawsuit and was immediately hung up on. I guess they are trying to backpedal like Dr. Fauci with the pandemic. Shows if you give too much power they turn into tyrants.

    Customer ServiceStaff

    Reviewed Dec. 7, 2021

    Some frustrated individual who referred to himself in the 3rd person as "Jay" was incredibly rude, condescending, and did not even let me speak before assuming he knew everything and spoke over me. He tried sending a code via text that never came through (3 attempts). I was trying to ask if he could tell me the number he had, but he just kept on insisting he had divine knowledge about everyone and everything. He finally said he would call back in 60 seconds to allow the text to come through (although I had sent myself a text to make sure all was working...he of course ignored this info...again), and when I attempted to ask him to tell me which number he had on file he hung up on me. Needless to say the phone never rang because obviously he had the wrong number. Total jerk and pompous yank with zero respect for anyone besides himself who he obviously holds in high regard.

    Profile pic of the author.
    Customer ServiceStaffRates

    Reviewed Nov. 12, 2021

    I would not recommend Navient for your student loan. After making on time payments for more than 16 years via an automatic withdrawal from my bank, for which I was receiving an interest rate reduction, Navient informed me that my bank had refused payment because my account had been closed. (Not true). So Navient cancelled my auto pay and informed me that my interest rate reduction had been removed from my account. When I spoke with a rep from Navient they said I could re-enroll in auto pay and receive my former interest rate.

    Shortly after that I received notification that my payment schedule for my loan had changed which reduced my payment but extended my loan by several years. I did not request this and did not want this. I re-enrolled in autoPay but am being charged a higher interest rate. I have called several times and spoken to several people, always getting the run around. I have requested to speak to a supervisor but have not been able to. I think this company is very shady.

    Customer ServiceStaffRates

    Reviewed Oct. 28, 2021

    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.

    Reviewed Sept. 28, 2021

    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.


    Reviewed Aug. 2, 2021

    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.

    Customer ServiceStaffLoan Process

    Reviewed July 24, 2021

    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.

    Customer ServiceRates

    Reviewed July 10, 2021

    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.

    Reviewed June 26, 2021

    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.


    Reviewed June 25, 2021

    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.

    Customer ServiceStaff

    Reviewed April 2, 2021

    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.

    Loan Process

    Reviewed Feb. 27, 2021

    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:

    Customer ServiceLoan Process

    Reviewed Feb. 19, 2021

    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".

    Loan Process

    Reviewed Feb. 18, 2021

    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.

    Reviewed Feb. 4, 2021

    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

    Customer ServiceStaffLoan Process

    Reviewed Jan. 21, 2021

    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.

    Profile pic of the author.
    Customer ServiceStaffRates

    Reviewed Jan. 18, 2021

    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.

    Reviewed Jan. 8, 2021

    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.

    Customer Service

    Reviewed Dec. 28, 2020

    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.

    Customer Service

    Reviewed Dec. 27, 2020

    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!

    Reviewed Dec. 26, 2020

    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.

    Loan ProcessRates

    Reviewed Dec. 25, 2020

    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!

    Loan Process

    Reviewed Dec. 24, 2020

    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.

    Reviewed Dec. 24, 2020

    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.


    Reviewed Sept. 12, 2020

    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.

    Customer Service

    Reviewed July 17, 2020

    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.

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