Navient

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.

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 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 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.

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.

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.

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.

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.

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.