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!!!

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!!!!

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.

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 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.

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.

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!

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.

They keep upping my interest rate charges from loans I took out for the now-defunct ITT Tech. My payment keeps ballooning and now my interest rate is a whopping 15.5%. Wow! That's almost criminal. What a total scam, I really don't understand how they get away with this. I'm fixing my credit up so I can refinance with a better business!

I would not even bother to give this company a star. I was put on hold three times for over 30 minutes! Not only that, I contact a customer service rep a couple of months back because my monthly payment kept changing. This customer service representative told me that it was always going to be X amount for every month only to find out 2 months later my X amount changed once again. This company does not respond back to emails and or answer any phone calls. HORRIBLE EXPERIENCE OVERALL.

I understand that no one really has a choice to deal with Navient, usually having it foisted upon them by their previous student loan provider. But if you can avoid it, do it. Mysterious 'repayment' fees amounting to thousands of dollars, mysterious payments lost in the mail (while the principal accrues interest), mysterious lack of knowledge of the company's own terrible practices are just the tip of the iceberg. Get out as soon as you can, and if you can avoid involvement with them in the first place, do yourself a favor. IN a truly competitive marketplace, a crony company like this could never survive.

I would give 0 stars, if possible! Navient is trying to get the most out of students, especially those who have short term hardship and can't pay. I had to make an unexpected move across the country to help with family health issues. I put three of my loans into forbearance, each costing me $50, so $150 total. I made my regular payment in October, and in November called for forbearance. Once completed, I was told I wouldn't have to pay until February, until I saw an email yesterday saying I owed them for January. I called and they kept saying that I missed a payment (was never aware, never saw on my account, original agent never told me) and I didn't find out until today. I still can't make my payment and they were unwilling to work with me. How can a company be so unwilling to work with people who have hardship??? TAKE YOUR BUSINESS ELSEWHERE!!!

I took a student loan from Sallie Mae in 2009. Navient had replace Sallie Mae, and they starting to called me for being qualify for loan forgiveness. When I called back I be in the phone sometimes over an hour, with information has nothing to do for paying the loan or student forgiveness. It happened over 20 times. Even I asked them, "Why you calling me am qualified, then nothing new will happened." The loan showed is almost 20 times of the original loan amount. I was working two jobs at the time, and I didn't took all the amount it showing. In my credit report showing the old amount of loan from the Department of Education in specific dates, they had changed to Navient a big amount. Some of them same dates but had showed three amount of loans, by the end they throw me with a huge loan amount. Is very very sad how they manage to stress borrowers with piling them with huge debt, is really are taking people life away.

I called them today and was transferred three times before they actually found somebody who could help me (and even then I'm not confident). The last time I called, about a month ago, they transferred me *four* times. Four times. For the love of God. Not only did they transfer me four times, but they did not even do what I asked them to. They had scheduled my autopay drafts for a date near which I have a lot of other payments due, so I asked them to move my payment date ahead by one week. The woman said she would.

I called Navient to try and set up a payment arrangement and the guy I spoke to was the most inconsiderate, rudest, jerk I have ever dealt with. He asked me “why my co-signer can’t make a payment for me.” I replied that my uncle was my co signer and had died this year and I told him to not be rude. This guy started yelling at me that “takes offense to me saying he’s rude”... Are you kidding me “Navient”. This is the type of people you employ? The guy then told me “good luck on trying to get a payment plan!!!"

I can't pay my loans because I can't get a good enough job to even pay rent and eat food like a normal human. The loans are sitting and collecting interest at 6.2%. If I look up my payment options, I can pay about $300 a month for 300 months and pay a total of over $80,000 on an actual $36,000 loan I took out over 8 years ago. Student loans are a rip off. Consumer beware. Go to a trade school and get into skilled labor or forever be a slave to student loans.

After years of faithful payments on the educational loan that was shuffled from Sallie Mae to Navient, and after paying thousands of dollars in interest, I was encouraged to get a pre-approved email offer to refinance my loan using NaviReFi. I applied using the offer code and was promptly denied. Further, I noticed that my variable rate recently increased (right about the time I got close to paying off the majority of the interest charges I've incurred over the last 12 years). This company is a disgrace and a rip off. It's shameful that this is the tolerated standard for EDUCATIONAL LOANS.

I made a rather large payment to pay off the balance of my loan. The payment was posted to an old bank account, which had been removed from my Navient portal years ago. I received an alert from my bank about the pending request. After speaking with three different customer service reps, including a "manager" and a "supervisor", I was accused of selecting the incorrect account from which to make the payment (an account which, to do this day, I still cannot see in my portal). The "manager" can see the account in question and insists there is no way that this could be an error on Navient's side. The only way payment could be drawn from that account was if I had manually done so. I have proof of the account I made the payment from, and it does not match the account that the payment was drawn from. When I mentioned this, I was told I was "mistaken".

I contacted Navient by phone about paying off the smallest of the two consolidated loans in its entirety and making a regular payment on the larger loan ahead of the forbearance date in November. After going through 3 levels of account representatives I was assured that my payment would apply to the smallest of the two consolidated loans and pay it off in full. That would have saved me approximately $45 per month which I could have applied to the principal on the larger loan. I later learned that they applied the amount to the largest loan so I still have two consolidated loans with Navient. I believe Navient deliberately misdirecting my payments in order to prevent me from paying off the smaller of the two consolidated loans. When I contacted them by phone on 10/15/2018 and described the problem, the representative was unresponsive. When I asked to speak to a supervisor I was put on hold and eventually had to hang up after about 30 minutes.

I am the co-signer on a loan taken out by my niece. The loan is paid by automatic deduction, yet they keep calling me saying the loan is not being paid. I am getting about 5-6 calls a day from them and am tired of it.

I took out a student loan for about $7600 in 2007. I have been making payments on this loan for about 10 years now. The payments that I've made total over 11,000 but my principal balance has gone down by only $2,000. They keep raising the interest rate so the amount of your loan attributed to the principal never gets higher. They don't inform you when the interest goes up. You have to remember to log in and check if it's gone up. They also don't let you know there may be a payment plan available that will get you out of debt sooner.

When the interest rate on my private loan from Navient went up to 10.35%, I knew I had to refinance. In order to do so, my new lender requested a 30 day payoff statement from Navient. Apparently this has to be generated with a phone call and is not available online. When I called, the woman I spoke to told me it would be available within a few minutes in my email. Perfect! Only problem was that I never got it. Called again and spoke to a man who told me this information was incorrect and that I would get it in 24-48 hours in my inbox, not my email. Perfect! Only problem is I didn't get it after 2, 3, 4 days.

They're predatory and absolutely unhelpful. You're better off researching ways of taking care of your loans than reaching out to them. They push forbearance on you so the loan increases. Terrible TERRIBLE company.

Sallie Mae changed their name to Navient so they could extort more money from students all over the nation. Their 'Debt Collectors' are idiots who do Navient's Dirty-Work. I called my attorney and lo and behold, as soon as I mentioned Navient's Vice President they immediately started laughing and told me to ignore him. Since Navient is a well-known scammer, don't think they can sue you. If they send you one of those 'Litigation Reviews', crumble it up and throw it away. I've had friends who were threatened by these morons and guess what? No one got sued. If you want to give them some headaches, do what Lawyers suggest to do when it comes to Debt-Collectors from Navient. Send them a certified letter asking to validate every cent that you owe.

Navient is the worse company ever and since they took over from Sallie Mae it’s been nothing but HELL. Their customer service is the worse and they don’t are not willing to help the customers. Stay away from this company!!!

After graduating high school in 2016, my parents convinced me to try one semester. Unfortunately I didn't have the money, and I needed exactly $1,200. I didn't enjoy college, and backed out. Leaving me with a loan of $1,256 including interest. 6 Months passed, and it was time to pay my loan off. Over the phone I agreed to pay $314/ month for 4 months (starting in April 2017, and ending July 2017). Payments were made in full and on-time, and Navient and I were done. The story doesn't end there though.

In June of 2010 I co-sign for a student loan in my daughter's name. For the past 8 years if she was so much as a day to 3 days behind Navient would call me in addition to sending a paper bill through the mail to my address. With eight full years of payments made and only three payments left my daughter mistakenly skipped a payment. I was never notified with a phone call or a paper correspondence through the mail. I never authorized nor was I made aware that they would no longer be calling me that they would send one correspondence to an old email address that went to the spam file.

Being disabled and living on SSDI is not by choice. Life and medical circumstances can be challenging to our lives in many ways, many times. Navient repeatedly denied receiving any forms submitted, repeatedly. Forms submitted requiring signature? The office stated they had no idea who signed but they did not receive. I had faxed, emails, and sent certified mail all necessary forms.

Navient is absolutely criminal. I have spent the last 4 1/2 years paying all of my monthly payments on time and always over the minimum payment due. My interest rate has consistently increased during the life of my loan without any notification ever. And by last month it was over 12%. I have made several calls to Navient regarding my interest rate increase over the years, and every time I have gotten the same rehearsed useless answers. The customer service is horrific and useless, and really makes you feel helpless.

If I could give Navient 1/2 a star I would. My issue with this company stems from my monthly payment for July 2018. My payments are due on the 27th of every month. I scheduled my payment through my bank's bill payment system on July 27. However, by August 1 or 2 I realized that my account showed a past due balance. I called their customer service and a lady I spoke with was quite presumptuous and condescending. But I stuck it out and made my case that I don't understand why it should take Navient so much time to update my account when other accounts I paid through my bank's bill pay on that same August 27 had updated already. The young lady convinced me that it can take up to 4 business days for payments to update. I was not convinced but I ended the call.

I am down to my last three payments and have made the same payments for roughly 10 years. When I logged into my account today, the total due was nearly double what I've been paying. I just called to find out why? Couldn't understand anything or get any clear information. After roughly an hour on the phone -- still no clue as to why?

This company replaced Sallie Mae so I had no say in choosing it. This company has the worst business ethics that I’ve ever dealt with. They are constantly changing the set pay amount, you look and all of a sudden you have a late notice. While no indication, notification or reason of why/when the change is happening. Lack of communication and unethical business practices run rampant. My suggestion to anyone would be to avoid Navient at all cost!!

More difficult to work with than Sallie Mae. Calls are made to an overseas service, service workers are difficult to understand and have yet to understand my requests without several repeats. Payments are higher with Navient than with Sallie Mae. Be cautious... whenever they reassure me none of my requests affect my credit rating - my score takes a little.

I've been with Navient, before they became Navient when they were Sallie Mae. Lately this year I've had nothing but problems with my loan and bad customer service with this loan company. I made a mistake in my life by getting this loan, I've come to accept that and I've owned up to my responsibility by make my payment on time for the past 4 years but, unfortunately I have low income and cannot survive and make the original payments of 215.00 payments. So I was accepted into the rate reduction program and set up auto payment and haven't missed a payment. Fast forwarding to May of 2018 I called in to do my financial so that I could continue on this rate program. I was advised it wasn't available at this time, and that to call back at the end of June when my program was done to set it back up. I called back after my "last payment in the rate program."

This company is horrible. They have hardly any payment options, and I refuse to use a bank account. They use to offer credit card payments, with an enormous fee, but they got rid of that option. They seem like a very greedy company and very inconvenient. It's pretty sad when a collection agency is easier to work with.

I have documents from bank payoff and check copies. Navient received check and applied 3 days later after bank disbursed check. They are telling me 10 years later that there was a 55 (1st girl) principal balance. I talked to a supervisor which then said it wasn't 55. It was 240. Now balance is over 400 from March 2018. I called again. They said no one can help me because the idiot manager put notes and she supposedly is giving me a deal. All 3 persons told me that if this has happening to them they would be very upset but they could not help me.

Terrible company. I have been trying to get the school to refund my loan for years, that’s a whole other battle over lost emails, paperwork, the person I was dealing with left and nothing can be retrieved. I recently had my loan put into forbearance by Navient because the school is finally starting to work with me, but since then Navient decided to send credit bureaus my loan is delinquent by 90-119 days, that dropped my TransUnion 78 points and my Equifax 50 point. If you need assistance with a school loan by all means do not use this company. They are not out to help you at all. I have in the past tried to get the school and Navient to speak to each other with no success, I just wanted the school to confirm to Navient that I am trying to work this out. To give an idea what Navient has done to my score I was on the closer side of 700’s. Now one of my scores is 545 and the other is around 575. Navient is a life destroyer. DO NOT USE THEM.

I was basically "encouraged' into doing their auto pay since I had delinquent payments. Okay fine, I'm cool with that. One year later, it's just not working. I need the flexibility of a non auto draft. So I turn off auto pay. At first they stopped, then the auto draft started again. Okay, it was unexpected, but our budget could cover it. I turn it off again. It happens again. I tell them on a call to stop it. It happens again. I send an email and turn it off again on my online profile with them. It happens again, this time overdrafting our account and taking our grocery money. I send an email and yet again have to click off autodraft on the page. I get an email confirming this. They did it again, and overdrafted us... again. I go and turn off autodraft one more time.

I received an unwanted marketing text blast. I called a company asking very nicely for support and an explanation in their process for text blasts. A very rude and defensively angry man, named Alan, said the best he could do was mark my name for removal. I am on the do not call list and would like to know who was responsible for making sure those numbers did not get included in their text blasts. He said it was him and he hung up on me. What good is the DNC list if business people like this are able to ignore it?

I'm a cosigner and I've been in contact with Navient concerning my loans because at the end of the year they stop taking payments from the trustee. Sallie Mae just forced us into this very high interest rate with this company who all seem like they don't have a clue about anything. When I got in touch with the advocate office, they did the same thing. No one has any answers but are quick to threaten me about payments that they didn't receive because they rejected them and sent it back to the trustee. Now I have my hard earned money stuck with the court. It's time to put these crooks out of business.

Wouldn't even give it one star if the option was there. I started paying my loan with Sallie Mae over 14 years ago (using automatic payments from my bank account). NEVER missed a payment and/or NEVER been late with a payment. They recently started increasing my interest rate so NOW I have an addition 3 years added onto my estimated last payment due date. This is insane. PLEASE do not trust this company. I noticed every time I include a little extra $$ in my scheduled payment is when they increase the interest rate (to compensate for the money lost when a person pays his or her loan off early). AGAIN, this company will screw you one way or another. They have increased my interest rate over 2 points in the past year and half (in small increments every time I pay a little extra towards my principal). OH AND THEY DO NOT NOTIFY YOU WITH EACH INCREASE. WORRRSSST COMPANY EVER!

I live abroad, make the painful effort to pay off my loans every month, even though they are crippling and essentially render me unable to do anything other than go to work, pay rent and eat. Now Navient is telling me that they no longer accept credit card payments and that I have to go through a third party money wiring service to pay them, thus accruing a fee every single time. This is absurd and yet another example of Navient punishing its CUSTOMERS. They also blocked me on Facebook for criticizing them. This company needs to be burned to the ground. They prey on students and are helping to cripple an entire generation.

Navient took over for one of my loans that I'd been paying faithfully since graduating almost 10 years ago. The first few payments went through successfully, then we got an email FROM NAVIENT with a new address for us to begin sending payments. We send the next TWO PAYMENTS to that address. Suddenly, I'm getting phone calls (along with my 95 year old Great Uncle, my co-signer) saying that I'm behind by 2 payments. It took multiple 45+ minute conversations over the span of 3 or 4 days for the supervisor to finally see that my payments went to the Department of Education and NOT to Navient, even though the payments were sent to the address that Navient told us to send them to. The solution? Call the Department of Education and request a refund (around $1600), upon getting the refund, send that money BACK to Navient...

I just spent 40 minutes with customer service at Navient. I'm not sure if I'm reaching a call center in a foreign country, but it sure feels like it. They just kept repeating my problem back to me. Putting me on hold for long periods of time. Then again repeating my problem back to me. I am a co-borrower on a loan, noticed an automatic payment was all of a sudden being split between 2 loans I have with them. For 10 years this payment was assigned to this one particular loan. I asked for them to not split the payments and allocate it to the original loan. Rocket science? No. They just couldn't wrap their heads around it. I finally hung up after 40 MINUTES of sheer futility. Stay aware from this loan company!

They are the worst when it comes to customer service. One person will tell you one thing and another person will tell you another thing. I have been dealing with this company for years and it has just gotten worst. Don't go with this company!!!

In March of 2018 I contacted Navient too and was approved for the zero based income program. I gave them ALL the information they asked for. In May 2018 I started getting letters from my creditors about seriously delinquent accounts, Navient never process the paperwork and gave on my credit. Right now 166 missed payments. THEY HAVE RUIN me. Creditors are closing my accounts. My car insurance company does not want to keep me. Who fixes this??? I’m furious. They have my character ruin and I could face losing my job!!! I have children and a home to operate and this company has ruin me. I wish I could post my credit report on here. It’s going to take years to fix this mess they have created. I am taking what I have left and getting an attorney.

Awaiting response for allocation breakdown and interest feeds added. For a few months now I've been "ahead" in paying and paying more than amount due. Now suddenly my amount due is more than last month even after my payment? As if it's not bad enough to be paying this off and on for 8 years I still owe more than I ever even borrowed. :/

I had this issue last year as well. But this year it was worse. The law is that they are supposed to calculate your IBR based in your AGI (annual gross income). I submitted our application and 4 times they insisted they were calculating it correctly, yet they were skewing the numbers by calculating our last years payment on our AGI, but this year calculating on our Gross Income, so the numbers came out that even though my husband was making less money (he took a pay cut) our payment was increasing by $75 a month. Their employees don't even know what AGI is.

I refinanced my home and cashed out, and tried to use the money to pay off my student loan balance in full. The refi company sent me a series of checks to then send to Navient. I did so, but apparently sent it to the wrong department at Navient. Rather than return the checks, they cashed them, and didn't credit my account. I called and asked what the deal was, and was told that they would have to issue a refund to the refi company, after which new checks would have to be sent to the correct department. This didn't make sense to me, but fine, whatever it takes to pay off these damn loans. A few weeks later, the refi company emailed me to tell me they had received the refund... but that it was 54k short! So a rep from the refi company and I sat on the phone with Navient for like 20 minutes trying to sort this out. It remains to be seen if and when the full refund will be issued.

Navient Portfolio Management take out the sum of $315 from my paycheck and withhold crediting the money to my loan amount for over ten days, while at the same time, the interest on the loan amount and the collection fees are being adding to it daily. When I called to complain last time and threatened to speak a lawyer and my congress and senate representative for my district, they quickly credit the amount. Must I always have to call for them to stop defraud me?

So I have a loan that is outstanding. I finally got back on my feet and was fixing everything. Well I called as I had one loan that was outstanding on the online website. I was told not to worry about it and just make normal payments. Well now I have a hit against my credit for the amount that is past due, not for the total amount. I called to try to get some answer as why this is happening and that the amount I have been paying them is not going towards the outstanding amount. 1 hour later after being transferred between both departments, I was given a number as my loan is in bankruptcy. :| These people are horrible. I got nowhere. I had to leave a message at the number I was given. Most likely I will have to wait till I can find a number on my credit report and call them to take care of the issue. The customer service is the worst I have ever dealt with. If I could leave negative stars I would.

I took out a Parent Plus Loan for my son about 15 years ago. I am now retired and cannot afford the high payments. Navient does not care. They refuse to do an income driven repayment plan. They refuse to do anything. When Harvey hit Houston other companies were very understanding. Navient was not. Do not use this company.

I keep a side calculation of what my loan should be compared to theirs. Theirs always higher. Got worse when I signed up for automatic monthly payments when they gave me no allocation breakdown. I was paying extra to my higher interest loan. It was scheduled to be paid off 18 months sooner than the others and with automatic payments slowing it was extending the end date. Multiple times I asked for breakdown and finally got the statements. They allocated $0 to my higher interest loan for 8 months in a row. And overcharged me .2% per loan. So misallocation. Higher interest than stated. And unexplainable extension of due dates of loans I paid extra to. About $3000 gone to their fraud. Their phone number is constant busy. I wrote them a message on my Navient account. Waiting for a reply. And wondering how I get in on this lawsuit to correct their error!

I have set up a reduced payment plan with Navient a month ago, I asked them why my "Past Due" status remains on my account, they said that it will just show up like that until I make 3 consecutive payments on time. Ok, that I understand -- fine! However, when I asked them if that "Past Due" status will make my account go to collections while I'm working with the new reduced payment plan department, they said "No." However, I have received two Delinquency Letters through their little Navient Inbox in my account and it does indeed threaten to take my information to collections. This is outrageous and this little quote from the President of Navient is not what I am seeing. "Enhancing the financial success of our customers is everything we stand for." - Jack Remondi, President and CEO

In February I sent a check to Department of Education paying off my daughter’s student loan. Navient is still showing a balance on my account. The first part of March I faxed a copy of the front and back of check to Navient showing it had been deposited by Department of Education. I also uploaded the check on my online account. Here it is April 1st and now they are asking I send an EFT transmittal form as proof of payment. There are no documents on my online account now. What happened to the fax and downloaded documents?? I want this resolved soon. Guess I am going to have to get my attorney to write them a letter. What kind of business is Navient??? Poor service and inadequate accounting.

Navient claims my interest rate increase is set by my lender not by Navient. Sallie Mae bought my private loan in 2016 from 5/3 Bank. Sallie Mae turned into Navient and pretended to be an entirely new company. Since August of 2017 my interest rate which has increased from 8.25% to 10.375% as of March 31, 2018 or to be more precise, the interest rate increases every time the principal balance is reduced by $800. Since November of 2009, I have paid twice the balance of my original loan amount of $8500. It is clear to me my interest rates will continue to increase as the principal balance of my loan decreases. I have other private loans with fixed and variable interest rates that have not increased at all, Navient is the ONLY loan service company that has increased interest rates as I pay down my loan.

I have reached out to Navient twice about my data concerns and four times about my IDR. I also mailed my IDR per their request on the form. I have wrong data in my web account. There is a wrong address and phone number listed for my personal information. I tried to reach out to my Navient Account Representatives. Several never responded; **. I was first concerned because of my loan amount totals. This is why I kept trying to contact them. I mailed the IDR revision. Then, I noticed they had an address from an apartment I had in 1998. When I lived at this address, I never even took out loans or went to college. That wasn't until 2000-2001. I called the phone number in my account, which belongs to a man that lives in Cuyahoga Falls, Ohio. I have no association to the man or the phone number in my account.

Navient is an extremely hard company to deal with. I am a co-signer on a set of loans that were extremely past due back in 2013. I paid the accounts current in March 2014 and have kept them current. I recently asked for statements because I was in the process of refinancing with another company due to the interest rates. I got the runaround several times as to why I had not been receiving statements. When I called, the customer service person told me that they were on the website. When I asked her to walk me through the steps of finding them she admitted that she could not see them. Which is what I had been telling her all along - 20 minutes of my life wasted. I then thought it would be easier to request the info online. I was told that I was not 'signed up' to receive statements. Makes no sense because my account online was listed as paperless and my email address was correct.

You would think that after all the bad press and being sued that Navient would want to clean up their act. Not the case. After harassing my daughter, and reducing her to tears although she is a single Mom trying to survive on part time pay AND calling and threatening my 87 year old father who had co-signed her student loans... I called and arranged to make monthly payments - automatically from my bank account to stop the harassing calls and letters that I thought might put my Dad into an early grave. Cost $1,200. a year - direct to interest or fees or whatever for over 2 years - and then I negotiated a lump sum payment. The payment was LARGE. I made it on time.

If you ever get a Navient loan, just pray that you never have to actually interact with their customer service. It almost seems that Navient takes joy in trying to cause as much misery as possible while they take your money. Their customer service seems to alternate between not knowing how to solve your issues to outright telling you lies and wasting your time. There's no accountability, no one to keep them in check, they're allowed to just do what they want. I jumped through hoops trying to get a simple thing fixed on my credit report, and after all my effort and calls, all I got was an email that said they couldn't do anything about it.

I am so incredibly DISGUSTED. I am a single mother of 6 children. Who makes under $20,000/year. I just got my small $3,000 tax check taken from the IRS. My check that was obviously already spent to catch up on bills & rent. I have contacted Navient NUMEROUS TIMES & the last time was 3 months ago. We made an agreement. Navient & myself. I was to pay them $600 out of my TAX REFUND, to settle my school loan for 20 years, providing I did not make over $80,000/year. Due to the school I went to being CLOSED DOWN FOR FRAUD/EMBEZZLEMENT. Which I shouldn't have to pay $16,000 for ANYWAY! Now I have No Degree, a crap-load of DEBT, & now my tiny Tax refund taken. When WE ALREADY HAD ARRANGEMENTS! I AM going to the News. I have been screwed over for the last time! I have a son in college now, & I am truly PETRIFIED for him. 1 word NAVIENT, Karma. SHE IS REAL.

Over the last few years my credit rate has been continually getting better. All my other creditors are lowering my interest rate. However, not Navient! They continue to increase my interest rates based on the fact "that they can" because I'm past the "grace" period of 10 years. In the last year my interest rate has gone from 9% to 11%! That is a 1 year time frame! And that has even been with me adding extra money onto the payments. These are student loans not credit cards! Navient should be ashamed of themselves and the way they conduct business!

I paid over 19k in student loans when I sold my house. The month prior I paid off one loan not knowing how soon I would find a new house. The next month I found a house and had to pay on that loan I had already paid off. I called a month later to ask them if I was going to receive a check back for that loan I had already paid on. I spoke to someone who told me, "Oh yes. I see that money is just sitting there." She asked me if I wanted that money distributed to different loans. I told her I would like that refunded back to me. She said, "No problem. I will send in the request. Usually takes 2-3 weeks and you'll get a letter in the mail." So I follow up 4 weeks later to see what's going on since I haven't received anything. Spoke to a guy who was confused on what I was asking about. Waited on hold for 40min until I hung up.

Negative 100. My Student loan transferred in October. Had no access to Navient yet, paid old company in October (pd extra). They have no record of the payment, sent proof multiple times, have called multiple times, always doubletalk. They have charged late fees, I have accrued interest and they are ruining my credit over something that is completely their fault. Working on getting away from them any way possible, refuse to give them another dime. I have had my loan for more than 10 years, never late, never delinquent. Would overpay for a few months and it would carry to the next payment.. This company needs to be closed down. I have been reading online about lawsuits, yet they are claiming it is unfounded. It is completely true. If you are stuck with Navient, GET OUT, any way you can!

I wish I could rate them negative stars. I usually select "quick pay" when my payments are due. TWICE after payment I sign on and see that I have overdue payments. How is that possible if I select quick pay?! First rep was actually helpful and told me there was some kind of reallocation of my money so only some of my loans got paid...WHAT?!? The second time (today) the rep said, "Well, I'm not there to see how you pay so..." I asked to speak with supervisor and he said I need to fax over proof. I said I have my email confirmation number and he said there's no way he can look it up so I have to fax it in along with my bank statement.

Can we give a less than 1 star rating. So every representative you talk to tells you something different, no one is on the same page. Anyone else have them ask to see your bank statement? Who do these people think they are?!? If they want to play games, then I figured so can I. At this point, after years of trying to come to an agreement with them, I've decided I'm not going to allow them to tell me what I can afford and I'm just going to mail them what I can afford that month. There's no escaping them. I believe they work on commission and will use any scare tactic to get you to pay what they want. I've been told that I overpaid for 6 months to get collection calls the following week saying I was behind. Called this past November and was told I didn't have to make a payment till January, but got more calls the next day saying something different. Real motivation for kids to go to college these days. They have this ** to look forward to.

Navient has been a nightmare since day one. To preface, I have never missed a payment in three years. I'll pick the two worst examples. First, I signed up for automatic payments to receive the 0.25% reduction. When I saw that there was no reduction, and in fact an increase in my minimum payment I called. They said essentially that all 4 of my variable loan interest rates magically increased by 0.25% on the same day they were supposed to decrease by 0.25%. So I saw no benefit, and in fact a detriment - prior to auto-pay, my minimum payment was $852, but every month I paid an additional $300 to chip at the principal on the very next day of my billing period (to make sure it went straight to my principal) so I gave Navient $1152/mo. They could not explain how, as soon as I signed up for auto-pay for the minimum amount magically went to $1152 exactly.

I'm in the process of refinancing my loans AWAY from Navient. They claim that they only got SOME of the money, even though the new lender says that they mailed both checks on the same day (why checks are being mailed in 2018 is another problem I have!). So, most of my loans are transferred, but Navient still wants me to pay them! So they get to charge me more interest and fees while they poke around in the mail room, taking their sweet time getting that check cashed.

Navient has lowered my minimum payment twice in the past 5 years, and also put my account in deferment (without my request, I assume because they found out I was in a PhD program but chose NO MORE LOANS); each time I double what I pay them. My plan is to have my 2 loans (for a masters program) paid off in 18 month, making the total pay off time 6.5 years. My actual payment is $110 monthly. I've been paying $500. I use the website to pay my loans but have specifically chosen that my account not be saved on their website (for security reasons.) I made a payment on Dec 2nd, got a confirmation # and thought little else about it. On Dec 15th I got an e-mail from Navient regarding my annual interest amount paid (for taxes.) I logged into my account to see I was one day from being overdue on my December payment. I quickly checked my bank account only to see nothing had been withdrawn.

Do NOT use this loan service. It is absolutely horrible and does not work with your income at all. You will regret ever taking a loan from them. I promise you. Constant harassment and expect you to pay a ridiculous amount of money in one payment.

GREED prevails at Navient. I signed up with another provider who paid off Navient and yet they still managed to come up with a balance due of $200 and change. Complained to one rep who said he would request a waiver from the Department of Education. Really? No word for three weeks. Just called and another rep reported that the request was denied. Unlikely that any request was submitted. I'm sure Navient has the ability to waive small balances but they're too greedy for that and prefer to state that they're taking orders from the Department of Education! Now they'll start adding interest on interest!

When calling in the toll free number - answering system (robot driven) does not respond to phone prompts and disconnects if you don't tell "HER" what she wants to hear... Click. OUTRAGEOUS artificial intelligence! Wow. Called back. After 20 minutes finally got a "person" whose accent was strong! Ouch. Asked for new person... much better English! Maybe the Navient machine needs a reboot?

I wasn't aware I had signed with Navient, as my original loans were with Sallie Mae and another Federal Loan service, before catching wind that Navient had bought out Sallie Mae etc etc. Well how nice of them. These idiots started contacting me as early as Nov 2014 when I was still active in school, stating they showed I'd graduated in 2013, which was a lie. Even when I'd sent them proof of my active school status they still dumbed up stating 'that could not be verified' and they'd have to contact the school themselves. Which of course never happened. Finally around May 2015 I received an email from them "informing" me they'd "successfully" contacted my school, and "verified" blah blah blah.

I feel as if I’m a victim of Sallie Mae/Navient and what I call their predatory lending and loan servicing practices. I graduated in Dec. 2005 with a Masters Degree. I borrowed approximately $150,000 for school and now the loans total over $250,000. These were private loans. I would have been able to pay them back if I could have been employable, but that plan took a U-turn. I became sick during school, couldn’t even attend my own graduation. Sallie Mae initially put my loans into deferment with no monthly payment at all. I didn’t know it at the time, but this wasn’t a wise option. The deferment stopped and the payments went up really high.

I am a professional and healthcare provider who had student loans sold to Navient. They kept raising my payments to an unaffordable rates which forced me to consolidate my loans. I consolidated my loans with another company who contacted Navient for payoff amount in which they paid. Needless to say Navient did not provide the correct payoff and left a balance on 7 of student loans in which they continued to charge interest. They are an unethical company who takes advantage of people.

I've been faithfully paying on my loans for almost ten years now. I've been going hard after them for the past 3.5 years, ever since getting my first full-time job. This summer I started drastically overpaying, submitting payments of $2,000 at a time. After I began doing this, I started noticing a pretty disturbing trend: the larger the payment I post, the longer that payments stays in what they label the "pending" status. I'm no financial genius, so it took me a little while to figure out their motivation for this.

I started paying my loan and when the hours of my job lower. I called Navient to get my payments lower. They decided to do a deferments. I did the deferment. Navient never said they were only doing certain loans on deferment. It was my understanding that the entire loan would be on deferments. Navient continue to put my loan in default. I agreed to a payment plan and when I check the account it say I was past due. My loan went from 60,000.00 to 66,000.00.

They just took out more than they should have and never notified me about this. They took 3 times the amount and never notified me of any change. It caused a bounced check and I am out 80.00 for nothing. Cannot wait to pay off the loan.

I have been dealing with NAVIENT in regards to my student loans for a while now. Here is a list of my main problems with NAVIENT: Jan. 2017 - Without permission, they began taking $300 from my checking account. They will not rectify the amount either. Aug. 2017 - I spoke to NAVIENT and confirmed with them that the grace period for In-School Deferment was in place. I was told "Yes." I confirmed that it was being applied to my Federal Loans & Private Loans, again I was told "Yes." Looking at my checking account I see that NAVIENT continues to withdraw money from my account. I am blocking them from my account on Monday.

I've tried multiple times to get access into the login page, but it always drops the connection as the website is taking too long to load. I've also received four e-mails from Navient, but all the links are broken with this error "This site can’t provide a secure connection open.entemail.navient.com sent an invalid response."

First, I have always paid my student loans on time, set myself up with automatic payments from the beginning and never really thought about the loans much except wondering when I would ever pay them off. I was able to pay off my private loan with another company early, but the one with Sallie Mae which later was transferred to Navient just seemed to be taking forever. However, I had paid a big chunk of money after I finished a year in AmeriCorps and received an education award I could use toward my loans, and that moved up my next payment date for several years. Since I was planning to volunteer for a year abroad and then go to grad school, I was fine with that. When at some point in grad school, I started getting bills again before the date of my next bill was supposed to happen, I called them, asked what the deal was, and told them I thought my date had been moved forward several years since I had paid that large amount.

In the summer of 2015 I applied for the Income Driven Repayment program through Navient. I submitted required application through their portal and sent hard copies of my proof of income to the appropriate address. I heard nothing from them for weeks. I continued to check on the status of my application through the account portal on the Navient website which indicated that I had not submitted my proof of income. Finally, I called, and wonder of wonders, they were able to locate the documents in their system after only two minutes on the phone, moreover, they were able to approve the income driven plan over the phone.

My wife and I are paying off a student loan for my son: Brendan **. Navient calls up to 6 times a day to harass us. When informed that we do not owe Navient any money their representatives tell us they can do nothing to stop the calls. When I request to speak with a supervisor I am told there none available - of course call back promise are an empty joke.

I recently paid my student loan with a bank loan (thank goodness). It all started back in 2007 when I went to Massage school in Las Vegas, NV. The company at time was Sallie Mae. During school and afterwards this company gave me difficulty. The service was ok at the time but always a language barrier because they were most of the time based in another country. I had this loan for 11 years. Almost every year the interest would go up and most of the time I would just pay minimum because it added to almost $400 a month.

I am 40 years old and my only regret in life is having a loan with Navient. The customer service is by far the worst I have ever encountered. I'm referring to simple transaction requests or asking for simple information I could not find on the site itself. I cannot express enough how horrible my experience with that company has been. Feel free to listen to the recordings Navient!

I filed my annual IBR paperwork in a timely manner. This is my fourth of 25 years to be in the program with a goal of loan forgiveness - if indeed I live that long. I'm 64. Seems the application got lost somewhere. I started getting notices that my payment has increased and is now due so I called. Credit due to the young man who helped me for his patience with my increasing frustration. Big fail on the part of the government for the guidelines. I now have to file a forbearance form in order to not pay the $657.00 payment now due so that my account can be "brought current" and the payment can be attached to the end of my loan. Gee thanks...

I called Navient and spoke to someone that was initially very helpful to ask about lowering my payment. She asked all the questions, placed me on hold and then told me what my new payment would be. I explained I would have to call back to give the bank routing number and she became very short and answered with "uh yeah" and "nope" etc. I am not sure if they are on some sort of bonus system that the more "sign ups thru bank routing" they get then the more money they make? If not, it sure is what it seemed like. She seemed very bothered after she realized I couldn't give her my bank account number.

Then, I called, paid over the phone, and my statement online said I owed money because I supposedly didn't pay enough. Paid the next two months over the phone with the same issues. Supposedly it was fixed. Paid correct amount for 2 months and had same amount due for September 12th.

In August of 2015 we were contacted by an attorney seeking payment on a Navient private school loan. It should be mentioned that we were contacted previous to this by Jefferson Capital which is wholly owned by Navient with a one time settlement offer of roughly $9000.00 but they refused to send any documentation that payments had been made. The attorney threatened us with placing a lien on our home if payment wasn't made to the tune of $21000.00 plus dollars. Given the fact that Navient and two attorneys in Florida were slapped with a class action suit for basically doing the same thing, just wondering if the attorney here acted on his own to collect $21,799.77 from us and pocketed the extra with Navient’s blessing. In any event we still have one loan with Navient and to say that they speak out of both sides of their mouths is an understatement.

Where do I begin with this dysfunctional company. I can't even log into my account for months, and they give me late payment fees, then they want to call threaten, but not help you to log in and see how much you owe and breakdown of everything. They just want money over the phone. They talk over you and are just the most abrasive people. If you work in this business, you have no education or future, be nice to those who call who do and are paying off student loans. The guy said I was "making excuses" because I need to login to my account, so I can make them on my own. I'm not going to call every time I need to. He even hung up on me. MIND BLOWN.

I have had my loan (UNCHANGED) since inception, beginning payments in 2008. However, upon completing the form for Public Service Forgiveness, was told that Navient (taking over for Sallie Mae) consolidated my loans into an ineligible type? Upon calling Navient, they noted I did this in 2006 and send me unsigned forms or requests I never completed!

I won't list all the specifics here of my dissatisfaction with this company. I can second all the reviews. I have my payments set up to auto pay, I have my records, yet they continue to harass me with many, many calls starting early morning, weekends and last night at 2 minutes before midnight on a Sunday. I show where I have made all the payments (for my daughter by the way). I've paid off my student loans. They continue to tell me I haven't and it must be my bank's fault. I have all the documentation where payments were sent. I have never, ever worked with any company like this. I've experienced lots of student loans, myself and two daughters have graduated college. Run, Forrest, Run!!! Do not get involved with them. I just don't understand how they are allowed to stay in business and do this to people. I don't understand why someone doesn't step in to help.

Let me just start with, when my loans were with Sallie Mae, I never had any problems and could afford the monthly payment. Now that it is Navient, I have had nothing but problems. I have been asking for a deferment for the past year because of financial hardships and all they can do (so they claim) is do 3 month at a time forbearance but I have to pay $50 per loan (I have 2) to cover that 3 month time frame. I NEVER had to do that with Sallie Mae. They told me I could only do a deferment if I was a current student or in the military. Yet my mom goes through them and she has a deferment because of medical problems.

Navient has mastered the art of dodging questions, misleading customers, and creating unnecessary anxiety. Throughout my relationship with the company, I was forced to seek legal guidance, consult financial advisors, and record phone calls with their customer service representatives. They automatically debited from my bank account without permission and subsequently took 8 day to return the money. When I asked if a financial advisor could handle my future negotiations with the company (on three different occasions), each representative noted they would research this and call me back. They never did. Ultimately, I threatened to sign over power of attorney to a legal representative.

Since 2011, Navient has been telling me my consolidated loans qualify for public service forgiveness and not to worry. I have called them repeatedly to inquire about the eligibility of my loans. Every time, I was told that my loans qualify, and that I'll be eligible for forgiveness in October 2017. I just received a letter from the U.S. Dept. of Education telling me that my loans are not eligible. Needless to say, this was shocking and disturbing news. I immediately called Navient, and I was met with a defensive and evasive representative. He told me there were no records of me ever calling Navient about public service forgiveness.

I called them THREE times to see if my account was eligible for the lesser rate by enrolling in auto payment. ALL THREE times I was told yes, it's every account. After being charged the higher rate and sending emails they simply said Sorry for being misinformed. The lady I spoke to on the phone was rude and tried blaming me for their error. The worst company I have EVER had to deal with. Cannot wait to leave it.

We signed this student loan along with our daughter when she was in college a few years ago. Several times over the years we have tried to get the auto pay to work or manually schedule a payment and it consistently does not pull from the bank as it should. When Navient calls to say there is a business matter they need to discuss, there is no one to take the call when we try to call back - and they continue to call hour after hour even through the weekend and there is no way to talk to them.

I started receiving phone calls from Navient. Responded and difficult to reach representative. I was told I did not make a payment that I did make. Sneaky business. I was told that my payment was sent to one of my loans and I didn't make the other loan payment. I wrote both accounts on the money order and included both slips with amounts filled out on each slip. Unbelievable a loan company that can't add two numbers and see the amounts are together. I did this the previous month and there was no problem.

Originally my loan was being handled by Sallie Mae. I didn't have any trouble then, the payments were low and I paid on time. The loan changed hands a few times over the years. Ten years into paying I got married, and also went through financial hardship. So I took a few deferments- this is about the time Navient must have taken over the loan. Once my deferment was over I did NOT receive a new payment schedule NOR an invoice NOR anything like a bill. Also they did NOT call or email. NO CONTACT from their end for TWO YEARS when they sent a collection notice!!! Which was okay - because I was unemployed. No way to pay it anyway. Now I have a job and they have decided to garnish my wages. Even after I wrote to them asking for a new payment schedule.

This company has friendly, but very unknowledgeable staff - on purpose. No one there can actually help you. What they CAN do is (eagerly) try to get you to sign up for more debt and they do this with programs that make your monthly bill affordable, but never have it pay down your principal. They don't tell you this, but if you know the gimmick and ask "Does this pay down the principal" they will begrudgingly admit it or try to rephrase it so it doesn't sound bad - but it is...VERY BAD.

If I could write a consumer affairs review on the state of the U.S. educational and universities system, believe me, I would do so happily. But I digress... It's pretty obvious from the other reviews and the amazing 1-star rating, that Navient has a lot of issues. I am no different than many of the other dissatisfied customers. I signed up for my student loans with Sallie Mae. I carefully reviewed the interest rates and other information closely with my father, who is the co-signer on my loan.

I called Navient in March to ask how I can fill out an application because the studentloans.gov site was down. They told me to fill it out and they would take care of the rest. Three months later, I am charged a ton of fees and told it was incomplete and I had to do it again. I had a woman at studentloans.gov help me fill out the application and resubmit it. Last week I was told it was done incorrectly and that I had to do it again. More fees were added to my account. The woman on the phone made no effort to correct the situation both times. They take no responsibility for anything. They set you up for failure, and when you fail they add more fees. It's a crooked system backed by the government!!!

In May I called to have my date for my school loan changed from the 15th to the 1st of the month. The lady I spoke to neglected to tell me that since my payments were automatically taken out that the only way the payment would not be deducted was to stop the auto pay. So 2 payments were taken out and I was told that the next payment would not be taken out until August 1. Well another payment was scheduled to come out in July. I asked them why the lady I spoke to in May neglected to tell me that fact about the auto pay. Well the supervisor said he didn't know and was sorry it happened and it was their mistake, but there was still nothing they could do to resolve it. I have never been so frustrated in my entire life.

When I went to college - I went years - I was able to pay off my loans in 5 years. With Navient I carry 4 Parent Plus loans with Navient - I pay what I am suppose to - on time - no missed payments and yet I see the amount of the loan increasing not decreasing every month. I asked for a reason and have not gotten any response. I agree they do act like a collection agency and are not helpful.

Trying to Navient is equal to finding a needle in a haystack. The numbers provided on the tools and request page don't work. There is not real contact information on the Contact us page. There is no attempt on this company website to make contacting for help and information forthright. I have to google contact information for this company when I need to contact customer service. Whenever I engage in some kind of communication or request where I have to fill out information I never receive any kind of confirmation that the request reached this company or any of its representatives. When I call to ask why I'm pointed to the sites internal message log when there should be an option to receive communication updates by multiple email account, etc.

They do not take into consideration hardship. In fact, if you say you are struggling, they ring their hands--smile evilly and have you fill out a forbearance or hardship form. Then charge you interest and increase the balance of your loan. Evil laugh, crack of lightening. Your failure to pay is win-win on their end. Paying rent in California with a family, old cars in need of repair, just getting by and they want $484 a month. I hope this company gets hacked by Russia or China.

Run far and fast if you can! If your student debt does get assigned to Navient, prepare, and stay on your A game. I've been with them since graduation, never missed a payment, and the experience has been HORRIFIC. All customer service is routed through an automated system. When you are able to get someone on the phone they are often less than helpful. They will often provide inaccurate info and try and steer you toward forbearance without even mentioning that it will cost you much more in the long run.

I have five Parent Plus loans, four for our son and one for our daughter. They are so messed up, I've already been working on them for two months trying to sort them out and there is still no resolution in sight. Payments made in first 120 days of loan disbursement should be posted as refunds and no interest applied. However, they only applied the refunds to loan 2. Payments made prior to repayment status are to be prorated between loans however, there are months where 100% of the payment went to loan 2 (the one with the lowest principal balance of all five loans) and no payments were posted to the other four, allowing interest to accrue at a ridiculously high rate.

Navient is a legalized scam company. I applied for the 2-year plan of $172.00. I was told I would be notified when the 2 year period would be up and I’d be able to apply for another 2 year agreement. Upon making my recent loan payment I noticed that my loan had increased from $172.00 to $465.00. I immediately called Navient to see if this was an error. I was informed this was my new payment. I asked why I wasn’t notified about the increase either by letter or email. Daniel, the representative stated I was sent an email on May 4, 2017. I check my email everyday even my junk email, there wasn’t an email stating this new transaction. This company lies to cover their own mistakes. The representative starting asking me for my tax information which I thought was very odd. I had to put my loan in forbearance until they get their lies together. This is a horrible company. I hope this is one of the companies that is eliminated.

Sallie Mae/Navient calls me every day, sometimes multiple times a day from different numbers. I have tried blocking all numbers that they have called me from and have run out of the allowed number of blocked numbers that my provider allows. They attempt to call me on weekends and late at night. They never leave me alone. I am paying what I can when I can pay them and they are almost paid off but yet they continue to harass me day in and day out. I hope the pending lawsuit wipes out their company. They are the worst company I have ever dealt with and that's saying something having dealt with many bad organizations/companies over my adult life.

Beware of this student loan ripoff company. I received loans estimated at $10K in 2006-2007. I have made monthly payments on these loans since June 2008. I am not a delinquent borrower. I still owe over $5K. I sent in additional money thinking the principal would go down and allow for quicker debt repayment. I read an article this morning in the paper, advising borrowers to check to see if the loan servicing company is applying extra loan payments to interest or principal.

I'll just give you the latest. Read all other reviews of this company to get the picture. The money I'm paying on my student loans is being stolen. They show in their records literally a payment of one dollar for this entire year. My bank records strongly disagree. Meanwhile, they have been tacking on interest at will, and the little bit of money they do show me paying is only going toward that interest. I have no idea how far back this goes, as I have been paying on the loans for 10+ years. That's my own fault for not monitoring well, but I don't think I'll be able to find records of anywhere close to all the money I've paid that company.

Reading through these reviews, it's easy to see NAVIENT is scamming everyone. I have been paying on my loans for years... since graduation from medical school in 2001. As a physician, our student loans are through the roof. Doesn't matter what you make, student loans are a killer and NAVIENT makes it worse. My payments are now $425 a month, but they keep trying to get me to pay that twice monthly. It's easy to see the payments have gone through, but they will keep doubling them each month and saying I'm late. It's confusing as hell and I hope the lawsuit sinks them completely.

Graduated payment plan scam. I agreed to a set payment for 2 years. I was told once I fulfilled the 2 year payment agreement, I would see my balance decrease. In speaking with some kind today, that's not true. Even the little applied to principal has been deducted. So I will owe the exact same amount after paying for two years as I did when I started the payments. The balance will be the exact same. SCAM!!!

This company is horrible. I've tried to correct inaccurate accounts from back in 1998 to now. Please don't use them. They still do not have it corrected. I've been to ombudsman, Washington Dept. of Education, all the fraud departments, consumer advocate center, and still nothing. The only place to use is Nelnet and if you are disable, and still have to pay on the amount in taxes if you sign up on permanent disability. The biggest kick that can down the road situation. I've talked to over 15 supervisors, several individuals in ombudsman, and Attorney General. Still no one can take out of National Student Data System on inaccurate information. NIGHTMARE. NIGHTMARE. NIGHTMARE, stay away from this company!!!

I attended this school in 2007 for the Medical Assisting program. From the first month in I complained to the Dean that we did not have sufficient supplies, Medisoft Program did not work and students were literally fighting in the classroom and or coming in still drunk or high on something. Nothing he would do about it! Again, went and complained I am being charged for services promised and still nothing works and problems in classroom persist. Dean stated "well drop out then" and you will still have to pay student loans! I wrote letters to the Dept of Ed and received not one reply. I quit my job at the time to go to school for hours a week to better myself and Family. I may have graduated with honors but, it did not better my situation at all. I even took the AAMA test and passed thinking this would help me. Nope just a waste of time and money again!

So I have a payment plan with NAVIENT, $100 a month directly out of my checking. Just received a call and Voicemail saying I was behind a month. Called back and they said that the last payment they received was March 1st. That they only do 24 month incriminates when deducting from Checking accounts. So my question to them was why did it take you 2 months to get a hold of me. They said they have been calling since March 1st and that on April 24th they left a Voicemail for me to return a call. Now unknown numbers I don't answer and if it's an unknown number with a Voicemail I delete!! (Scams are ramping up these days). I asked why they didn't send a letter or anything and they said point blank it was my fault that I should have returned their call sooner!! Seriously so many complaints on this forum and the government hasn't done jack about it!! When will enough be enough. This company has no respect for people and are just disgusting in nature!!

I have two years left on ten years worth of student loan payments. I never had any problems until Navient took over my loans. Now I am bombarded with calls about "missed" payments despite the fact that my payments go through every month (they're automatically deducted from my bank) and Navient misappropriates which of my two loans to pay (despite the fact that after EXTENSIVE calls, they assure me my routing info is all correct). I have walked through "troubleshooting" calls every few weeks, am told the situation is resolved, and then like groundhog day I get another call saying I'm delinquent again. This company is an absolute disgrace. This is the first negative review I've ever written in my life - but at a certain point, enough is enough.

I called and requested to pay extra money on my loan, above my monthly payment. This was increased. I now called as I need to go back to my previous monthly payment as before. The representative told me that I could not do this and that the terms of my loan had changed. I explained to the Rep that the original Rep had said nothing about changing the loan terms when I called. I did not sign anything either. The Rep did not say that the loan terms would change if I paid a higher amount each month.

I took out 2 private loans with Sallie Mae in 2006. I graduated a few years later with a debt of 30,000. My private loans we 4,100 @ 18% and 4,300 @ 18%. I didn't qualify for any grants because I was at the age where I still had to use my parents' info as income even though I hadn't lived at home for some time. Fast forward to 2009. I'm married and pregnant. I get put on bedrest for almost 2 months and was not allowed to leave my bedroom. I called Sallie Mae about my loans and explained my situation. They told me that I should sell my vehicle so that I could pay my loans. I was very upset. My husband worked out of town and I planned on going back to work after the baby was born and I could. How would I get to work and pay them if I sold my vehicle. They refused to help me.

When you end up spending years as a "customer" of this company you will find out too that as life throws you different situations and you ebb and flow with financial hardship at times during the years of repayment, that the employees of this company consistently don't show any concern for your situation and the company itself doesn't offer many solutions to help you during financial hardship. Reps consistently give you inaccurate information and you feel like you're in a never ending game of tug of war. Nobody can be held accountable. You're screwed.

I filed for student loan forgiveness in December and final approval for it was on December 26, 2016. I got letters from the U.S. Treasury that they were going to start taking money out of my SSI Disability check in March 2017. I called and spoke to Navient and Washington State Education also about it and kept getting the runaround. I told both of them that I had letters from them stating all was cleared, kept getting well when WSE sends a letter stating all is forgiving we will stop taking money from you. Then I get hold of WSE and they say the opposite of what Navient told me. So I got money taken out in March of this month and again they are taking money out this month.

Twelve years ago we took out a student loan for my daughter. When she dropped out of college we set up a payment plan and I don't know how we ended up with Navient. My husband took care of all of our finances. He is now currently disabled and, before his surgery in January 2017, I had to quit my job to care for him in our home. Now Navient is telling me that they will garner his social security to pay back the loan. That's all I have to live on. We don't own our home and have mountains of debt excluding his medical expenses.

They do NOT send out tax forms. When you try to get your tax form online, they ALWAYS tell you your password is no longer valid--even though you have recently logged into your account to pay. When you call to get it fixed, you are placed on hold and can only "talk" to their automated attendant. When you ask to talk to a real human, she SERIOUSLY hangs up on you. She tells you "I'm sorry, but I'm going to disconnect the call" because you want to talk to a real person. You have NO options to have a human help you. I NEVER chose this company. They are AWFUL. The entire student loan business/service is terrible and this company is the worst one my loan has ever been "sold" to. Just terrible. Can I choose to take my loan elsewhere? If so, how?

Navient has consistently proven itself a predatory lending practice, profiting off of students who are struggling to get the jobs it touted in exchange for signing away on massive debt. Every day, I have to look at every penny I save and say "should I be saving for retirement now, or pay off my student loans?" If I had been able to save HALF of the money I'd been paying Navient, I might ACTUALLY GET TO RETIRE SOME DAY. But no -- probably never -- Navient bleeds me dry. And now I hear that they're trying to have a lawsuit thrown out because Navient OFFICIALLY STATED in court that its public statements encouraging borrowers to contact the company didn’t mean it would act in their best interest. THIS IS DOCUMENTED. Navient has been claiming for YEARS that they are trying to work WITH us, but they admitted in court this is a lie. That is absolutely appalling.

Worst customer service company ever. I had 2 signature loans with Sallie Mae for graduate school. In 2011 I had to drop out due to severe illness and multiple surgeries. I am now on SSDI due severe Crohn's disease that will not go into remission. Anyways I am receiving a lump sum from an LTD settlement and want to pay off my student loans with most of it. My federal loans from undergrad are paid off but it took Navient who took over the loans over 6 months to send the congratulations letter though I got 3 letters about defaulting for those. How? Set up auto pay on the private but that was another six months before those payment issues were applied correctly.

I recently took out a Direct Consolidation Loan through FedLoan Servicing, and was approved early March 2017. Several of my loans had recently been transferred from ACS to Navient. Navient has been sending me information informing me they are the new loan holder of those several loans, and most recently a statement informing me I had a payment due four days after I received the statement!

Every single review on this horrible company is so accurate. It's scary they are still operating. After they set me up on automatic payment plan, the second payment got reversed. No calls from them, they just simply kicked me off my payment plan. It was not until several months later I figured it out. They refuse to fix their mistake and put me back on my plan. They instead insist I can afford double what my payment plan was, which is ridiculous. Occasionally you may get a nice person but for the most part they are rude and unhelpful. You get transferred at least three times before you get someone. I have made so many complaints still nothing is being done. They do not care what you have going on. They want your every penny, they can give a ** about you.

I sent a payment via the mail (the only way they will accept payment from me in Canada) over 3 weeks ago. I received a notification I may be charged a late fee a week ago since I knew I had made payment. I just received a notification again that my payment has still not been processed. Certainly something must be wrong with the way Navient works. I suggest an overhaul of the processing system so that payments from a country other than the US (many foreign students attend US schools and require loans) can be made expeditiously. I have sought a remedy through the Federal Student Aid website. On the other hand, kudos to Nelnet. Nelnet is a company that knows how to deal with a paying borrower.

I find the Navient website to be unhelpful. They pretend to provide monthly statements in digital format but both formats are bad. When I click on "PDF" I get a. do file which cannot be opened on a Mac without installing an unsecured app which is not available in the App store. When I click on "IMG" I get a PNG file which puts 3 pages into one minuscule PNG file. When I launch InDesign and place the PNG file, and spend 10 minutes cropping, resizing, and copying and cropping and resizing, I get a 3-page document - the content is blurry. There is no way to get a printed statement, and no way to talk to a human being, at least on the weekend. I can only do this on the weekend because I have a day job which does not give me time during Monday-Friday business hours.

I consolidated my loans. They did not send all of my loans to the consolidation servicer. They hid them, then turned them over to a collection company. They ruined my credit and now the collection company takes my income tax refund each year (for the last 3 yrs) despite me trying to pay off the loans. They add thousands of dollars of attorney fees and handling fees. I only owes 1500 on one loan and now it is over 10k. I tried going through the omnibusmen but they were no help either.

Have been enrolled in auto-pay forever, have even been making extra payments. In December, we entirely paid off one large loan, and so our monthly payment had been reduced. Now we logged in tonight to find that all of our accounts were showing past due amounts, despite the auto-payment being taken out on time, as usual. Additionally, the loan we paid off in December had re-appeared as having a balance again, despite it having been shown as completely paid off for the past two months. So either the information was incorrect in December, and we still owe them money, or the information is incorrect now, and the loan is paid off as we thought it was.

Navient is by far the worst company I have ever dealt with in my life. They should not be in business! I had 4 student loans total, 2 stayed with Navient and the other 2 went to Suntrust in which I pay. Navient is reporting 4 bad derogatory loans on all 3 of my credit reports and 2 in good standing. I have called to have them remove the 4 bad accounts that they put on my credit and no one will help. I get the run around. I don't get answers and every one of the reps is rude and mouthy to me including managers. My next step is hiring a attorney. It is ridiculous that this company destroys peoples credit for no logical reason. The manager I spoke to today told me he was confused and got mad at me for questioning why they added two loans to my credit. He said I just don't understand. I'm getting nowhere with this company.

I lost my job and don't have any income. This is the 2nd time I have been laid off. I have used my forbearance and deferment for when I got out of school and when I lost my job the first time. I have never missed a payment and overpay on the loan each month, but when I called asking for help to suspend the payments for 6 months to a year while I look for a job, the answer was no. Actually, their customer service was so rude. They yelled at me and asked that I stop asking ridiculous questions that only make us speak in circles. My "ridiculous" question was how do I pay a loan when I don't have any income.

9 auto generated calls. When given the #, they are not open. When you call the auto-generated voice comes on telling you that it is new and will "learn" about you and how better to serve you. I would never have used them but they bought my student loans. Their average is 1 star. It should be none.

They told me according to my MPN I maxed out 48 months of in-school deferment. When I checked my MPN's there was no mention of a time frame of in-school deferment. This is now breaching my contracts because they are not living up to Sallie Mae standards as they should. In addition my co-signer passed they did not release her from my loan. They forced me into deferment not telling me about other payment options, and told me to reconsolidate my loans, and never sent all of them to the new lender. 90% of my loans are still sitting on my credit report under Navient. They are rude, and tricky, and needs to be shut down, and give us our aid money back while they are at it.

How is a company allowed to operate like this? I have had loans through Sallie Mae/Navient and have yet to come up with a viable and affordable solution to pay these loans. These people are willing to make you live in a cardboard box as long as they get their money. Truly awful and unethical the amount of money they are making in the interest of these loans as they make it impossible to pay them off. Not to mention the robocalling/harassing phone calls!!

I called Navient to lower my student loan payment and they said I had to wait until a payment was due to get it lowered. So I call back the next month to find out they hiked my interest rate so I was basically fighting to keep my loan payment at what it was, instead of the $30 more amount. Unreal. Then because my loan is under $30,000 and under 5 years long, they said they couldn't lower it at all. I absolutely feel they hiked my interest because they KNEW I was trying to lower the payment. Conveniently, if I got the interest rate reduced, it would go back to being the payment I had before. But I can't. I hope this lawsuit hits Navient hard and they are under high scrutiny to make sure no one else is verbally and emotionally abused by them.

I changed banks and had to update my new account information. I called three different times and it was never done. I am on the phone now as we speak waiting for a supervisor for 26 minutes and counting. The level of service is the worst I have ever seen by any company in my life. The first time it was set up wrong and the person had to call me back, and still didn't do it correctly.

Navient has not had my loan since April of 2013. I moved it to fed loans and now they are calling me, sending me bills. Even on my credit report it shows that it closed with them and open with Fed Loans so why or how can they call me and send me bills???

Navient Student Loan Service is the worst and the lowest of the low company to deal with student loan. It is equally sad that our government permit such hideous practice to destroy hard working people who in good faith have tried to live up to their commitment. Where is the faith and strength to continue paying, when your monthly payment is $327 and only $15 (under $50.00) is applied to the principal? How can one muscle up the strength and encouragement to make monthly payment when the total amount consolidated was $34,000.00 & one have been making monthly payment of $327 ($3924 per yr) x 4yrs = $1596.00 and your balance is $35,000 still!?

I took out approximately 60k and blinked and it turned into 100k. I was scammed into taking interest only payments because I couldn't afford to do anything else? They wanted 500-1300/mo. Who can pay this? I was on phone 3 hours trying to find solutions. Once again they tried to sell me forbearance. I don't qualify for any help whatsoever. I am not enough of a burden on society and now what? I'll be dead and in default. "Solutions for 'my' success". What a joke. Solutions for THEIR success, not yours or mine. I pray to God everyday that the lawsuit against this monster is successful and millions of people including myself get their day... THEIR payback for the pain, suffering and ruining of lives THEY have caused with their unethical practices.

My account is in forbearance for those months which they reported me late 90 days, Navient "claims" they cannot remove because the information is accurate. Attempted a goodwill request, speaking with customer service and advocate office and still they are "required" to report. Okay but aren't they also required to follow the statutes of the FTC and the FCR and the HEA and report current and updated information to the CB. Who regulates these companies. Very frustrating as there is no recourse - they review your file 15 minutes, determine it's accurate and RUIN your credit for 7 years! I hope this lawsuit against Navient puts the hurt to them by sticking them with fines for all the complaints they receive about cheating their customers.

The last large payment I made to Sallie Mae was to pay off one of 2 loans. I was adamant. I only wanted 1 balance left since they were charging me interest at 5.3%. I later filed chapter 13. 2-3 months later it was transferred to Navient. The Bankruptcy verifies my student loan balance remaining was $4,624.46. During that time I returned to school full time on grants and scholarships.

I became a Navient customer because I had Sallie Mae Loans and I have federal loans that are managed by Navient. My federal loan payments were over $750 a month for 20 years, and I just couldn't pay that. After going back and forth with them, I was told that my best option would be IBR. So I filled out the paperwork and they sent me the amount I should pay. A few weeks ago, I was informed (not by Navient) that my loans will continue to increase in amount and I'll be responsible for interest after 20 years (which will easily be 75k+), so now, my loan is higher than it was, I can't pay what they say I should to cover the interest, and I was never informed of what going on the IBR plan would do. I basically threw money away to owe more. I'm devastated.

My normal payment date is the 15th of each month. For some reason this company took the payment on the 2/13. I called and told them it was the wrong day and they gladly changed it back. Good... Wrong... They scheduled another payment for 2/15. You would think common sense would kick in and say "Hey... He just paid one today, the next one should be due in a month." So I called and they said they can't stop it but call my bank to stop it. My bank charges $31 to stop a payment. I'm not paying for their screw up.

NAVIENT - READ THIS! So NAVIENT says we owe 15 thousand dollars on a Loan from 2007 for my daughter... My daughter would have been 3 years old at that time. I'm not sure where they get their information from but I have tried to call them with no successful call back just a call back from a phony IRS agency saying she owes Taxes. OMG, Somehow I am starting to think these two are linked in a huge scam. THE IRS WILL NEVER CALL YOU. How do I get rid of this bogus bill?

This loan company can't seem to do anything right or in its entirety the first time. In practically every instance that I need to send in filled-out forms or documentation, they tell me the wrong thing. Or I mail them what's required and it doesn't get processed in a timely way or maybe overlooked. So I get scary, demanding notices, as if I hadn't complied with them at all. Also, their reps don't always know how Navient forms are supposed to be filled out. So naturally they don't suffice, requiring me to do them all over again. I haven't dealt with them online. I don't know if that would help, but in doing so by mail, I have to buy postage stamp after postage stamp to send them what they need. And things get dragged out for weeks, months. Just unreal.

If the name Navient was not associated with Students loans I would think this is a scam. Not that the government ever was involved in any scam. Why out of the Blue no Student Name or Loan Number comes out with a Bill and Tax form. Exchanging critical information or providing information on myself or anyone in my family could create room for a scam. So, unless the connection is made through the source of the Loan where it originated in the University or School, then I may think on providing more information.