Navient Reviews

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.

I am an ex-Sallie Mae student-loan customer whose loans have been transferred to Navient. Navient refuses to acknowledge me as their customer. I don't know if it's because I am a victim of education scam(s). I was notified by a staff member of the federal agency U.S. Dept of Education, via phone call, that I was a victim of education scam(s), after they received an alert of tampering of my student-loan file. The scam went so far as to try to block me from attending additional college courses under federal aid to obtain my master's.

I have never had a positive experience with Navient. Here is just the most recent issue: My husband and I recently realized we were both eligible for the RePAYE program, which would decrease our payments each month significantly from what we're paying on our other income based repayment plans. When he called Navient to ask about the status of our Dep. of Education student loan. gov submissions, the lady on the phone said Navient doesn't participate in the RePAYE program! This was confusing, since, they are directly servicing our loans from the government, and we applied to the program through studentloans.gov and they HAVE to participate in the program... but this woman insisted, three times, that Navient did not participate in that program, and they were happy to just recalculate our payments on the plan we were ALREADY ON.

I owe $108,000 on my student loan and I have contacted Navient on many occasions since 2011 to discuss financial hardship. Twice my loan was placed in forbearance, while interested accrued. Finally today I was approved for an income-based repayment plan that reduced my payments from $608 to $277. Prior to today I was always told that I did not qualify for any other repayment plan and that a forbearance was my only option. Doing the math based upon my current income I have overpaid on my student loans around $18,000 since 2011. This company is greedy and does not have the best interest of the borrower in mind. I have borrowed from my retirement twice in pay back this loan.

Class action lawsuit was filed if you want to get onboard. They are sending me bills and already sold my debt to a third party company within two weeks. I had no idea if it was a scam because it seemed shady. Looks like it is a scam but in a gray area. Contacted me only in E-mail and now the new company is contacting me.

I signed up to received income based repayment plan. I received a letter indicating they got my application. Now I just received the new invoice, instead of $200 a month as agreed on. I am being billed $700 a month. I have worked on this loan many times since 2009 to get the income based repayment plan, I recognize I will be paying for the rest of my life, however I do not have $700 a month. I can't get anyone to help me.

I went on their website to pay in full the remaining balance on my son's student loans. There were 2 consolidation loans listed, one with a balance of $3900, and the second of $1200. I clicked to make a payment on the loan listed as, 1-01, and made the payment. I then tried to go back and make what I thought was the final payment on the loan listed as, 1-02. The system showed no balance and would let me make another payment. I called today, spoke with "John" (ha-ha), ID #**, and asked why I couldn't get the payment to come up for the other a loan. After an almost 40 minute call, I found that the payment I made 2 days ago was SPREAD OUT between the 2 loans and both still have balances due. I thought at least #1 would have been wiped out but NO.

I've been paying loans that were formerly under Sallie Mae since 1997. I can't put into words how much of a boat anchor they've been on my life. Yes, I finished my degrees. Yes I'm working, but have had to go through periods of unemployment and underemployment, and ended up taking the forbearances--where they stop payments but keep adding interest. I honestly believe they want you to do that as it keeps stretching out your payments. What had been $256 a month is now $440, and what should have been done literally next month now is looking to go on to 2023.

Unable to voluntarily increase monthly amount paid without permanently restructuring loan. Ridiculous. This company has always been difficult to deal with and had poor customer service. I never mind customer service agents speaking English as a second language. I do mind all customer service being outsourced and NO common sense.

Statement is dated Jan 5. Post mark shows a date later than 1/10. They apply a late fee on 1/17. From postmark to late fee, they only provide 3 business days to pay before charging a late fee. This is an unfair set of payment terms. Student loan companies should allow people a fair amount to pay a bill, like 30 days or some other reasonable number of days. This happens every month. They charge $10 per month in late fees. They have been doing this to me for over a year.

I have been requesting an income based repayment plan since 2015. Every time I call to request they put my loan in forbearance for two months, tell me to call back if the paperwork was not received. End of two months I call back this cycle starts over. In the meantime they are reporting my loan as delinquent!!! They are the only thing on my credit report so I need to pay a car, I would like to buy a house but I can't thanks to them!!! They are stealing my American Dream!!!

I have defaulted a bunch of times on my loans because 500.00 a month for an Associate degree and try to have a house, etc. is crazy. I can't afford my monthly payments, and I have tried to get help lowering them but all they will do is put me in a forbearance or lower my payments for a year, which of course does not help, the amount I own on my school loan is crazy. I barely see a decrease on my loans since I graduated.

I have been paying my student loans for years. I pay almost double what I'm supposed to but my balance barely goes down. On some of my loans my payments actually went up even though I pay way more than I'm supposed to. I can't get an answer as to why, if I pay an extra $10 over what's due, my balance only goes down by $3. I think Navient needs to have a class action lawsuit filed for mismanaging loans.

I graduated college in 2007. My loans through Sallie Mae were transferred to Navient. I am on autopay for as long as I can remember. My payments change and are allocated any which way to want to. It is not their decision on how my money should be allocated. I also have no way of controlling this feature online. You can only make additional payments. They also lowered my monthly payments without my consent after one of 3 loans was paid off. I would have kept my monthly payments the same applying more money to the principal of the 2 remaining.

Apparently, it is my fault that Navient and my university have a failure to communicate! I have received multiple phone calls in the last few days, many outside business hours and over holidays, requiring me to call. I call, and their voicemail refuses to connect me to a human or informs me it is after hours! Apparently, the computer is working, and no one is working. I can't express my frustration and my paying the price for their stupidity!

These people contact both my co-signer and myself several times per hour 24/7. We've asked them to limit the calls which they do not. The calls come from all across the states. Even though I make payments they continue to call beginning at 8:00 a.m. (including weekends) until after 8:00 p.m. (including weekends).

I have been on hold for 3 hours now. The auto prompt said it would be in excess of 30 minutes. They did not lie. This auto answering system is so frustrating, it's nothing more than a stalling system. Avoid Navient if at all possible.

Took out a private student loan in 1993 that has since been sold to Sallie Mae and now is Navient. I have been harassed with endless calls for months. I have sent two "cease and desist" letters, both sent via certified mail, and both with signature requested. I am still getting calls constantly and now Navient has begun to contact friends and family. I am so tired of the harassment. Never has Navient been able to provide a copy of the original promissory note. Their collection practices violate the law and I am tired of it.

I open my email this morning to find that I am "late" on my payment. I am not quite sure how this could be as I pay my bill early every time. When my payments were started the first payment was due 2/1 and I made that payment in January. Fast Forward to now and I am being told that they did not receive my January payment... How can this be when you clearly received a payment in December for my loans.

This company purchased my student loan which was being paid efficiently and regularly paid via the ACS website. Then when it went to Navient they split the loan into two separate loans which are impossible to pay online with one payment. When you call Navient their automated system takes roughly 15 minutes of begging to be connected to a human to get past because it cannot help me within the system. Actually it disconnected me once because it "couldn't understand me" and I had to start over. With today's technology, these things should be easy. It has worked so simply and easy since 2004 with ACS. Now it's a source of contention and anxiety just to pay a bill every month. Unacceptable.

I cannot afford my private student loans payments. They want me to pay $264 a month. My area was hit by a hurricane a few months ago so my loans were put on a deferment. I was told that when I came off the deferment that I could do a rate reduction payment. The deferment is over and they told me that there is nothing they can do to lower the payment. I have never worked with a business that has no heart. I was on the rate reduction for 2.5 years a few years back and paid it every month. Now all the 12.25 interest that has accrued it is back to where the original was. My life is totally over with this business not willing to work with me. I hope that others will read all the negative reviews and to get a student loan elsewhere.

Navient has terrible customer service. I make weekly payments. Sometimes I pay on it more than once a week. I pay what I can. I made a payment Dec 15th and the money was deducted out of my acct Dec 15th but did not show payment made on my acct with Navient so I emailed customer service Dec 15th and you know what the response was I got back on Dec 16th? “We saw you have not made a payment since Nov 25th. Please send copy of check or the EFT information from bank.” I looked at my Navient acct Dec 16th. There is the payment I made on Dec 15th. I have made 6 payments since Nov 25th and those payments show on my acct?? So what was this rep looking at when she responded to my email? That tells you these reps are not trained or they don't care! I will not call them because they are rude and say they will help you in emails and voicemails but that is not the case. They just want to make your life miserable and ruin your credit.

Since graduating college, I have since defaulted on my student loans due to a variety of reasons. A couple years ago, I enrolled in the rehabilitation program to remedy the situation and get my credit in check and stop the annoying collection calls. Upon completing the loan rehab my loans were automatically transferred over to Navient through the Department of Education. I hadn't experienced any real problems until recently.

A while ago I took out some "Signature Loans" from Sallie Mae to supplement the Stafford Loans I got when I was starting a PhD a number of years ago (long since aborted). Total was around US$20,000. Well I had been paying on them for many years as I wasn't making that much as a university teacher in South Korea. Well long story short, came back to the states a couple of years ago and due to a number of reasons I had to file for bankruptcy this year and took a teaching job here in China. Well according to the law, these types of loans are supposed to be discharged in bankruptcy cases, however the clowns intentionally labeled them as "student loans" which they say can not be discharged in bankruptcy cases.

In my senior year of college I took out a private loan through Sallie Mae to help cover what federal loans wouldn't. I had to have a co-signer who was my uncle (never was really close to him but he was willing to help me out). I graduated; yay, and after 6mos the payments started to become due. The amount was too high so I called Sallie Mae, explained the issue and they were able to lower my payments for almost 2 yrs. During that timeframe I lost my job; but was still making my payments, and my loan was transferred to a company called Navient. When the payment plan was getting close to coming to an end I received a letter saying to call in and restart the program.

I got a loan out for about 10,000.00 through Sallie Mae. Sallie Mae was sued in a class action suit so they conveniently changed their name to Navient. Sallie Mae and Navient are one and the same. I have been paying on these loans for decades and the balance never seems to go down; however, my monthly payment continues to go up. My monthly payment used to be $165.00 now it is $386.00. Then suddenly I receive an email from Navient saying "new loan information". I go to the email and log in to see what is going on and suddenly Navient has a new loan from 2002 for Webster University. I never attended Webster University in 2002.

I have been trying for 7 months to secure a discharge of my sons student loan and reimbursement for payments made since his passing. I have completely fulfilled all of Navients requests for documentation... Including certified mailings of certified death certificates. Yet every time I contact them for an update, representatives (located in philippines) tell me they never received, or another form is needed or they'll contact me via email with their findings!!! It's a constant run around!!! NO MORE! They are simply trying to avoid the loan discharge and reimbursement. Which is totally against the law. Death of a student is a legal and legitimate cause... as stated on the US Department of Education website. I will no longer call them and will be turning this over to my attorney. BEWARE, ANYONE CONSIDERING USING NAVIENT FOR A SCHOOL LOAN. They can not be trusted.

Per Navient letter (code **) received at my physical home location on 11/22/2016 I am still “seriously late” and Navient states, “I am in jeopardy of DEFAULT with signature loans 1841, 1858 and 1866.” Keep in mind the letter is dated for 11/11/2016. I didn’t get this letter until 11/22/2016. The letter also stated, “Navient has made several attempts to resolve my situation.” It also stated, “that by paying a min. of 42.53 by 11/29/2016 I can delay loan default and allow additional time to work towards a more long-term solution.”

I am a frustrated 20 year old college student and before I go any further, let me add that I am still enrolled and not even close to graduating yet. I am in more debt I could ever pay off in my lifetime and the next. I graduated high school in 2014 and a few months later, I enrolled in a trade college (not my ideal school but due to certain circumstances, I had no other choice). By the time the first quarter was coming to a close, I was already wanting to call it quits for how piss poorly the institution was run. I only took three classes and paid for my own textbooks with graduation money and my scholarships totaling $12,000 should have covered them so there was no need for two student loans to be taken out or even the Pell Grant to be touched (at least I thought).

My student loans are held with Navient. I have opted of the Income-Based Repayment plan as I work for a non-profit and may be eligible to have my loans forgiven after 120 payments. Navient gave me a monthly payment amount based on my application for the Income-Based Repayment plan and I have been making such payments timely. So as I do from time to time I looked at my credit report on Credit Karma and noticed that my Navient loan balance had increased. I immediately went to the Navient site and logged into my account however I couldn't locate how the change in my account balance was calculated. I couldn't even find the previous month's balance. When I called Navient it was explained to me that the monthly payment that I was given did not cover the monthly interest that was being accrued therefore the difference was being added to my loan balance each month.

Sallie Mae, now Navient, has irreparably damaged my credit and finances. After graduating from college and not being able to find a job for close to a year, they refused to work with me to refinance my loans, despite my various attempts to work out a payment plan with them. Once employed, I resumed my payments, but they were too high as I am only 23 and an entry level employee. Again I contacted them only to be given the runaround, and when I finally spoke to someone of stature, they told me that the only way to refinance my loans was to default on them, which I did. Once I defaulted, I made another call to Sallie Mae and was able to get my payments down to $565.64. Fine. But upon recent inspection on my part, I found out that they've been taking more than the agreed upon amount totaling to $640.01. I'm now unemployed again, due to health reasons, and am virtually stuck.

I have fully paid my Sallie Mae student loans back in 2005 and closed out my loan account with Sallie Mae. Suddenly in 2013 I start receiving harassing phone calls at my work phishing for my social security information and saying I owe them money. I get letters to my work saying I owe them money. I call to confirm Sallie Mae and my account is closed. How did Navient get my information if my loan is closed? Not one person has told me a balance value and this place is a scam. Very frustrating.

This is my first review for a company. I have never experienced such terrible customer service in my entire life. I originally took private loans out through Sallie Mae for college. I paid these loans while they were in deferment. Each time I called to work with them about my payments and payment options I got a different response. One representative told me that I was a year and a half ahead and no payments were due. Another representative said that my payments were another amount. When I requested different payment options, he told me there was nothing they could do. These high payments affect my ability to buy a home, and I have been unsuccessful in refinancing even with a 670 credit score. I really hope someone can do something about this company. I just feel like they are leaving everyone without options.

Several months ago I was contacted by a company to reduce my student loans. I was approved by the company but something about the company made me uneasy and I was reluctant to sign the paperwork until I spoke with Navient. I spoke with an individual at Navient and went through the phone application process and was told I qualified for the very same program to reduce my loan payment. I was told that I can go online to complete the paperwork and that the documentation was being sent to me by hard copy in the mail. I never received the hard copy and have been trying to contact Navient for months.

So disappointed in Navient! Their customer service is a big ZERO. You can't get ahold of anyone - they don't have any way to communicate with them, thus they get away with what they just did! Basically Navient decided to NOT send out payment coupons for the loans they have with people. In doing this they are making people be late (because in my case, I thought we had paid the loan off). You would think the same thing... No stub to pay from = no more payments. (NOTE: since 2003 I have been getting stubs from them.) So, to my SHOCKING surprise, the payment is now 2 months late, they have hit the credit report and added finance/late fees. After MANY MANY MANY attempts to get ahold of someone, I finally figured out how to log into their HORRIBLE website and say I am super late.

I have paid my student loans religiously for 10 years. I recently started looking at the actual allocation and billing summary. Not only do they frequently apply payments to lower interest rate loans when I've requested and document them to go to higher interest rate loans, but payments "disappear", problems are not resolved in a timely fashion and I have spent every free minute the past several months try to fix "computer glitches" that result in more money in their pockets. They are unethical and borderline thieves. I am actively looking to take my business elsewhere, even if it means a higher interest rate loan.

I am incredibly frustrated and disappointed with the customer service at Navient. I never write reviews, but I felt in this case, it is warranted. Halfway through my school year in 2014 in California, my loan servicing company switched from Sallie Mae to Navient without my consent (I feel as if we should have a say in this?). Since I had already accrued 40K of loans in one year in the states, my Swiss husband and I decided to finish the rest of my master's degree in Switzerland, since it is only 867.00 a semester (amazing, right? That's how it should be...).

My husband is paying his student loans using the employment based deferral plan. He was doing a regular payment of $25 and had authorized Navient to make automatic withdrawals for that amount. However since August 2016 the company took out unauthorized payments amounting to $500, $250, $500 and again $250 over a two month period. All complaints have fallen to deaf ears. They have the ** customer service. My husband has filed a small claims with the district court. You can also request a relief from Court costs. He followed this with a complaint on the consumer finance website under the Student Loan section. Here is the link http://www.consumerfinance.gov/complaint/. I encourage people on this website to follow suit. You can't let companies like this get away with this **. Please do your part towards getting justice. Thanks.

I have gone back to school later in life and I am still working towards my goals to achieve a higher pay level in my work. I was told because of my current age, I am in high debt collection. Navient is calling persons not on my loan for collection. Navient is threatening me. Navient is calling me multiple times daily. Navient is not recognizing I have full time status for college and that I am under Federal allowable time to be in college for full time status. I believe in our Federal System and I believe this Navient collection system is error and will not work with the working population to be able to satisfy college achievements, working achievements, and responsibilities by the way Navient ignores the Federal Laws they represent.

This place is unreal. They are nothing but crooks and thieves and it is embarrassing to be hooked by them. I woke up one day and Sallie Mae was gone and Navient had appeared. Instead of having my information automatically switched over, I had to re-enter it. I messed up on my bank account information and put one number wrong on the account #. Any normal, well run business will obviously not run my bank number because it's incorrect. I should have gotten an error message. Instead, they accepted the bank information and for three months I could not figure out why my payments weren't going through.

I have NEVER in my life had problems with my student loans until Navient took over my Sallie Mae loans. I have been trying, unsuccessfully, since last February to get an IBR due to unemployment. My loan came out of forbearance in Feb., and I filled out all of the papers for the IBR and mailed them in. I did not hear anything for 2 months and figured all was well. In May, I received my first bill. I called them right away, asked them why I did not get the IBR. Navient said they NEVER received it. I faxed the papers this time. 6 TIMES!! They state they never received it. I end up faxing the paperwork while I have a supervisor on the phone with me. They finally receive it. She tells me that I left off the last page of my tax forms. I send it again!! She says they received everything and the IBR is processing.

I have over half a dozen different student loans. Up until recently, four of them were with Navient. However, two of my loans were recently transferred from another lender (National Education). I had applied for renewal of my Income-Based-Repayment to my first lender shortly before my loans were transferred. Navient never contacted me about the IBR application, and instead took money out of my bank account at an unadjusted rate, resulting in nearly $400 of extra payment each month for which I had not budgeted.

Navient should be listening to their phone calls because they have rude employees. I received the answer, "That's not us," twice today followed with being hung up on. I called the two phone numbers on the two letters I received last week... but none of them can transfer me to the income based driven "Navient" number I needed to see if my application had been processed because I was told with the financial information given, once sent in my loans would be on hold for a year except the ones my two cosigners are already paying on. The first guy said, "Tell your cosigner to call us. We have some programs that may help him". I replied, "You've already told my father (we both received ups letters saying Navient would be taking us to court to take payment) they would be taking his 401k in Maine or his house if he didn't start paying".

I had $7000.00 loan here or rather SM. I graduated in 2009 and started paying $83.00 monthly plus larger sums very often!!! My balance today is 6700.00!!! I inquired about the impossibility of my debt being that much after years of paying SM and Navient!!! I have paid $4000.00 but nothing on PRINCIPAL except $300.00!!! I hate to give them another dime. But they assured me that they would be reporting any missed payments to Credit Bureau and I DECIDED to pay! 8 more years debt will be paid in full. Liars... greedy... cruelly unjust with interest rates that are MAFIA type!!!

I never chose this company; my lender was changed and I had no choice in the matter. These people are awful! My loan was in good standing and I was making payments in full and on time. My co-signer passed away and they took the ENTIRE amount left on the loan from the estate. The people who could have received this money from the estate (who had nothing to do with my loan whatsoever) did not receive it. I called to reason with them and I was given the runaround before they finally admitted that I had no other option - if the money was in the estate, they were taking it. While this is legal, there are other loan companies that will release the deceased co-signer if the loan is in good standing, or give you other options. Navient gave me NO options. PLEASE, for your own good, go elsewhere for a loan. DO NOT get a loan from these greedy, inflexible people.

In 2011 my mom and I took out a 15000 dollar loan from Sallie Mae for college. I did not use the full loan and used about $13500 of it. I already had a huge amount of student loan debt through a different company (which was not giving out student loans that year) since this was the end of my 4 years of college. While in school they required us to make monthly payments of $25 of interest, paying almost $1000 in interest before I began paying on my loan after graduating in 2012.

Be very careful with these people. I found a student loan on my credit report. When I called to talk to them about it, they said I had signed electronically. I asked them to email the note and application form that I had filled out. I was told that they had to mail it out because they are not allowed to email it. How odd is that? They claimed they accepted my signature electronically. A double standard. They seemed to care very little about solving this problem. The fraud rep I spoke with gave me erroneous SS# and date of birth. They act like they just don't care.

Where do I start with this scam of a place Navient!! Well first off I do not have student loan debt and this company continues to call and harass me about my fiancé student loans. I know he has been paying them yet this company wants more! I finally had enough of this harassment! I called and told Mr. Tim ** to stop calling my personal and my parents who are not on the debit and informed him that it is illegal to do so! He was awful to me but I held my ground. I called and called Navient and complained giving them the hard time they give me and my fiancé. When these awful customer service people would hang up since I was not very pleasant I would call them right back! I asked to speak with someone of higher management they gave me a name Bruce! Well Bruce with Navient and Tim ** I will be filing suit with customer financial protection bureau!

I have had surgery more than 5 times since I left college. My college closed not even 2 weeks after I left. To top the off I'm considered disabled and Navient continue to harass me and not follow thru with sending out. No payment paperwork. It's very frustrating. Since Sallie Mae changed to Navient the service has gotten worse. Plus they only accept online payments or checks. I have had credit cards stolen more than once and don't write checks.

Navient is a horrible student loan company when trying to pay back loans from school. They will not work with you and tell you have exhausted all options just to pay them back. I'm in a financial hole right now and I wasn't able to pay them in three months. They have sent me emails to call them so I can work something out. When I finally spoke to someone she told me the only thing that I can do is to submit my pay stubs and they will calculate how much I can pay back and set up an automatic withdrawal from my bank.

I had requested that they stop auto pay out of my account since my work has been erratic lately, but they did it anyway and overdrafted my bank account. The representative was rude, and did not listen to my request. These customer service people are so irritating when you tell them the situation and then they say "I see you are behind on payments", REALLY? NO **, I JUST told you that's why I was calling and that I cannot have the auto deduct feature! He talked over me when I was explaining that I had called last month to request no auto deduct.

Why ask if you'll not going to answer. I have been calling for the last past year to let Navient know that I cannot pay because I'm not working and I'm on SSI. They keep telling me they're going to send paperwork to fill out but all I get is bills.

My wife's student loans are serviced by Navient. I always put a huge amount of money on the loans so they can be paid off faster. For one particular semester loan last month, I paid the loan down to zero. The online menu actually said there was a zero balance and nothing more was owed. A week later, there was a balance of $7.28 that was said to be still owed. Where did this come from? I don't understand how it was ZERO one day, and a week later we still owed more? Granted, $7 isn't a lot, but it's the point that this charge came from nowhere.

We set up a monthly withdrawal for student loans and this month they took out 3x the amount we agreed upon. Called them and all they said was they sent an email. They make an attempt and increase the agreed payment plan. Said they wouldn't give the money back unless we went negative. Did nothing to work with us. Now we don't have enough to last until next paycheck thanks to them. I wouldn't recommend this bank to anyone. There are plenty others that work with you and understand each individual's situation. Not everyone is the same. Very disappointed and frustrated.

https://www.consumeraffairs.com/finance/navient.html. The customer service at 877-713-3833 for private loans is a joke. The recording while I am on hold is unbelievable. They just look this short message about how calls will be answered shortly. Very annoying. The biggest problem with calling them is that they do not even give a hint as to how long the call will be on hold. HORRIBLE customer service. Unfortunately, I will have to deal with this joke of a customer service dept. for years since student loans last that long. I have been on hold for over 40 minutes now. Called earlier a few times, and I had to hang up after 20 minutes since I cannot wait on hold for that long since I am working and trying to make money to pay back this evil bank corp. I guess that since I have no choice who administers my student loans, and student loans are necessarily FOR LIFE, I will have to deal with this joke of a company for a long time.

I am trying to allocate an additional payment with Navient and finding it extremely difficult. First, the service person presents to not understand English well. Second, he has changed the amount of money owed on the account three times. Third, after going over the $500.00 he was supposed to allocate he couldn't tell me why there was a discrepancy, the numbers did not add up.

Navient has to be the worse loan servicer out there! I filled out all of my paperwork on time, mailed it in but for 4 months they said they never received it (even though their own website said they receive it & were reviewing the request). They stabbed me with a 110 day delinquency in the mean time which dropped my credit rating 120 pts!!! How could I make payments if I'm unemployed? They are ridiculous.

I have been dealing with Navient since they took over Sallie Mae. However, nothing has gotten better. I never get any closer to answered questions even when talking to supervisors, get hung up on and get nothing but attitude but I try to rectify a situation. When my mother tries to call, since she is the co-signer, they tell her they can't release any information to her even though I have faxed over documentation permitting them to do so.

This student loan company is the worst. I cannot call them to ask them a question because my question is not on their menu. They are making it very hard to find out what documentation they want me to send them. In one e-mail it says they have received everything they need and yet I have no updates on my account.

Why do they have an automated question about paperwork when you call? Apparently, I'm not the only person that has submitted the same paperwork over and over and over. Is there someone who just throws out the faxes as the arrive? WTF???

I guess this is frustration therapy. Needed to vent somewhere and this seems to be a good place. Seems like all of the earlier reviewers have a very congruent and fair assessment of what dealing with Navient is like. I have spent the last four months trying to sort out an issue with my online payment... which is consistent across different computers, etc. Basically they acknowledge there is an error that gives me the message "an error occurred" when making a payment but they have been unable to sort it out. I don't have the strength to write anything more. But you can guess...

I am currently have some in school deferment with Navient AKA Sallie Mae but the problem is I cannot afford to attend school or pay my student loan. I have tried to work with Navient but my monthly loan amount is $2073.98. I am currently the only person working in the household. I am currently trying to sell our home but with house payment and apartment payment in another city it is impossible for me to pay. I had to travel to keep a job so I had to move 2000 miles away for my home. I am trying to sell our house now but I have to keep up with the mortgage payments until it sells. The town we moved to is very expensive so my apartment is more than what our house payment was. :( Some months I barely have enough to get groceries. I do however make good but by the time I pay, Mortgage, apartment, car, insurance, and groceries I have 60.00 left out of my check.

My federal loans from CMU are directed through Navient. I am still in school but I got a letter about 7 months ago saying I was going to have to start paying in 6 months. I called immediately to let them know I am still in school and they "took care of it". I got a voicemail the other day to login to my account, so I did and it shows that I have a late payment due of $256.xx. I am ENROLLED FOR THIS FALL SEMESTER. This was supposed to be taken care of and now I have this issue and I know they are going to be rude because they always are. I am so furious that this has even happened to me when I was prompt with taking care of the issue when it came up 7 months ago.

I am not one to share experiences or post reviews, but I was compelled and determined to write a review against Navient/Sallie Mae. The automated phone service I just experienced was worthy enough to almost jump off a building. I called to simply change my address and it was just changing the apt number! I spent 5 times repeating my actual address over and over, before it hung up on me. Then I called back and the wait time was 1 min. before it hung up on me. Finally after repeating our address verbally, slowly and with patience... we FINALLY got our address changed. It is no surprise their overall rating on this site is 1 star. If I could provide NEGATIVE or ZERO I would be more than happy to.

Since Navient took over Sallie Mae loans, I have had nothing but trouble. According to Navient I owe 167,000.00 on student loans with a income based payment of 1224.56. I am a senior citizen with a monthly income of 1124.00 from social security. Deduct 775.00 for rent monthly, medication that costs about 150.00 per month, leaving me maybe 22.00 to tide me over until the next social security deposit. They say I'm not eligible for any type of hardship deferment because they were all utilized when I was with Sallie Mae. They continue to add interest and late fee. I filed bankruptcy last year and with the trustee, "his comment was that's enough for a new house." What other options do I have with these shysters, you never receive accurate information when you call and they constantly call harassing you about your payment. I'm at wits end, what can I do?

I have encountered so many issues with this company. My husband has three student loans that Navient received from Sallie Mae when the "split" occurred - one private loan, co-signed by my mom and two federal loans (one subsidized and one unsubsidized). When this happened we were in the middle of a Chapter 13 pay-off plan and had been paying Sallie Mae regularly through our Trustee.

This is the second time that my FIXED rate, FIXED term has changed! It's a few dollars, no deferment, no changes, etc. In most cases this would be a violation of law, but not this outfit. Looking at a equity line today to get this loan killed off! Thank GOD I can do it, I feel terrible for the hard working people that can't change. I DON'T feel bad for the freeloaders who we have to pay for!!

I am done trying to work with this company. I miss Sallie Mae. I had never been late and had a deferment due to the school I was attending actually going out of business and leaving the state. I was billed for classes I could not even take. I have tried and tried to get this corrected and forget trying to get a late payment mark off. I sent credit reports, showed proof of the school closing and multiple requests to remove or correct. I have paid all payments due on time, and have more than 10 late strikes and have never been a day late. This is not fixable and I am upset that it is this hard to deal with them.

NAVIENT is a federal student loan and they use multiple different collection agencies. So far I've had to deal with ERS (Enterprise Recovery Systems, Inc.) and now Allied Interstate LLC. I was all set to have my loan paid off in FULL this Aug. 2016. In FEB. ERS said to me that if I paid a lump sum of $606.23 of the $1212.13 balance I owed my loan would be listed "as full settlement of debt paid." I repeatedly ask if I would be contacted about the remaining balance and was assured the account would be closed. NOT!

PLEASE READ!!! Navient has truly given me the worst experience ever! I qualify for the Public Service and Income-Based programs. Navient told me I was enrolled. After a year of payment, I went to the Federal government student loan site and found out that Navient never reported I have paid a year into my Public Service program, which means I would now only have 9 more years to pay (in the Public Service program it means I qualify to only have to pay my loans back for 10 years). Navient told me they have nothing to do with that.

I have student loans with Navient and one other servicer. I am on the Income Driven Repayment Plan at this time and recently sent in information to update my plan for the next year. I called to get confirmation that they had received my information and later that day got some emails. One was correctly addressed to me, but three others were addressed to someone with my first name and a different last name. Then a few days later (just this past week) came several letters to my address for the same person with the same first name, but a different last name. (I sent them all back "Return to Sender.") Then came collection phone calls for this same person on my telephone answering machine two days after that! I am current on my student loans!

I have been trying to get Navient to change my son's loan back to the original loan terms. Somehow it has been changed to an interest only loan. I call and call the women I deal with call back when she feels like it. Sometimes not for months. My husband is the co-signer and now he is paying back the loan. They want all this credit information to see if he qualifies to have the terms changed. IF HE QUALIFIES...ARE YOU FREAKING KIDDING ME. It has now been 3 months since my last call or email. I never get a response.

It's almost impossible to get through to a live person. I finally figured it out on my third call. You have to press 1 for "Make a loan payment" and then you can press the number for a live person. The person who finally answered just repeated back everything I said. I finally had to tell him to shut up and just answer my questions. I guess they stay in business because people need the loans. Next time I'll use one of the other companies. I'd give them less than one star if I could.

I have, unfortunately, had to deal with Navient for a number of years. I have been attempting to lower my student loan payment amount since May 2016. The extremely unhelpful customer service reps have done absolutely nothing to assist me in this endeavor. I had to do all the research myself and jump through hoops for Navient and here we are in JULY and still not making any progress. In addition I requested forbearance while I was working on lowering my payments to something I could actually AFFORD to pay and that didn't happen. Now they are saying I am behind in my payments. If I don't stay on top of them every minute they screw everything up! I consolidated my loans and now they list my debt TWICE - once as the original loan and then once as the consolidation loan. They have the worst customer service and I do not understand how they are able to stay in business.

So like clockwork, I make my payment. Heck, I even pay twice what my payment total is. At an interest rate of 12.5 PERCENT!!! I have a great credit score and nothing I am into has an outrageous interest rate like this. So I called customer service line for help. Lady at Navient says I have one option and it will lower it .25 percent. Are you kidding me?!?! 0.25 percent on 12.5 is NOTHING!!! I hope the American people and government come at Navient with everything they have, shut this place down. They're stealing from people who are trying to better themselves and be better providers for their families, military hero's veterans. How dare you Navient!!!

My son took out student loan and I co-signed for another student loan. I talked to them and paid it off two times now. They have impacted my credit rating and still after the second payoff have sent me another bill for $740 after confirming the amount for a 2nd time and pay it off in full. They are a bunch of cheats and liars. They gave me the same loan number they assigned to him and having thought mine was paid off they continue to bill me. I paid it off in full again after making a 2nd call to them. Today I get another bill for $740.

In February 2016, Navient put the consolidated student loan with my husband in forbearance without my husband's signature. When I called to find out why my monthly payment was not taken out of my bank account, they confirmed that they had made an error and that they would put our loan back in repayment status. This was never done. I called each month trying to straighten this situation out. Each month I called only to be told it would be fixed and my next payment would be the next month.

If I am 30 seconds late making a payment, Navient will call me upwards of 5 times a day and they've gotten tricky. They will call me from different numbers and area codes. I've gotten calls from them that register as Washington, Delaware, NY, PA, etc. Sometimes the calls are back to back, sometimes they are spread out over the day and can go into the evening hours. Super unhelpful in getting payments adjusted. I'm upset that I even have to give them 1 star. They deserve none.

I have been making payments for 4 years now, and my loan doesn't seem to drop. In fact it looks like I owe more. One of my loans was paid off. I even received a letter from Navient confirming loan paid in full. Two months later it went into repayment. I am very disappointed with this lender. I even went through an Ombudsman to fix the problem. That did not help, so I decided to stop payments. May god help me.

I can't even begin to say how disgusted I am with Navient. I am a STUDENT, full time, I work as a restaurant server full time, and make MAYBE 24,000 a year. I pay rent, bills, and for my school all by myself. Navient requires me to pay interest on my loan every month. At first they told me 550 a month and I obviously told them they could forget that. What am I supposed to do, forego my rent to pay them? They lowered my payments to $174-190 a month, after some haggling. When I had a past due balance and told them I literally only had a certain amount in my pocket, they let me give them 220, and said they would stop the calls until the following month when I could pay again. NOPE, called me every day three times a day or more, even when I picked up the phone to explain that I had paid and could pay again the next month, which a representative had already told me was fine.

Communication SUCKS! I especially "love" the endless robo calls that when you ask for a human hang up on you! I also "love" how they electronically respond to my emails and called on a complete different topic! What a mess.

I have switched to the income based repayment plan because I currently have $0 income because I have not been able to get a job since getting out of Grad School. Hence all my interest is capitalized. Or sort of... But there is a catch. I have accrued FEES from late payments/former payments... or something else (they can't tell me what the fees are from. Hummm???) I paid off the $167 in fees online because they wanted to charge me $12 to make a payment over the phone. (That's a high fee!!)

I have two Private Loans with this company, it has been a nightmare from the start. I have had payments misapplied several times. One of my loans was with a co-signer which I made sure got paid even if the other one did not. Due to economical events I became unemployed for awhile and had to endure threatening phone calls and disrespectful representatives. Point of interest, Navient plays "Good cop, bad cop" to get something out you. "Is there anyone you can get the money from?" My personal favorite.

I have multiple different loans that have been in deferment and forbearance their whole lives. I have never made a payment on these loans but somehow they are showing up on my credit reports with multiple 190, 150, 90 day lates. This is impossible because they were in deferment or forbearance their entire lives. When Sallie Mae had these accounts it was only showing 2 or 3 lates. After the transfer to Navient in early 2014, up to 11 late payments per account have popped up on my credit report by you. This has ruined my credit. Also, these late payments are being reported very oddly. All of these separate accounts have different late payments for different months. This makes no sense because they were always due at the same time.

I am a co-signer on 3 of my partner's private student loans with Navient. We have had issues with them ever since they have gone into repayment status. When he was working on his internship for his master's degree, we filled out the paperwork to have the payments deferred. SURPRISE, he didn't qualify and he was told that the internship deferment wasn't eligible for those loans, after he was told that they were. Then in January (2016), they were supposed to go into default. It was 3 months later before they actually did, 8 months after the loans had gone into default, which last time I checked was 240 days when the standard is 120. During those 3 months, we offered Navient a payment that we could afford but we're told that they "couldn't do that amount" because the lowest they could go on the interest rate was 1%.

When completing the consolidation for my student loan, I have printed documents that Navient would not begin processing for 6 months. It has only been one month and they have completed the processing and are now billing me. When I called to complain they stated that once you consolidate your loan payments being immediately which is contrary to my written documentation. Also, the amount quoted is a lot less than what they are now billing me. The interest rate is also much higher than quoted. DO NOT CONSOLIDATE YOUR LOAN WITH NAVIENT!

My son is in default on his student loans through Navient. He is also unemployed. I am a reference not a co-signer on his loan. I was called at least 3 times by 3 different numbers with only 1 voicemail today and the same thing happens day after day. I then received an e-mail message from the Human Resource department where I work. It contained a voicemail from Simone **. I was seriously taken back by this. I went outside my office and called. The number that she called was a self-prompt line. I asked why she did not do the spell by name for myself. She said that option was not available.

I have always wondered why I could not go on the Navient site, log into my account, and increase my payment. Recently, I received a letter detailing a required change to lower my monthly payment and then an automatic decrease. Is this so they can milk as much interest out of me as possible? I'm taking out a balance transfer on a credit card to pay this off today. If I have to work 2 jobs to do it, so be it. I'm not giving them another dime.

Navient (Sallie Mae) is definitely a rip off. I started paying on my loan about 4 years ago. When the government started the loan forgiveness program, I called Navient to make sure my loans were under the correct program because I work for a public service company and my loans could be forgiven after making 120 qualifying payments. They specifically told me I was in the correct program. Now 4 years later when I decide to check on my progress with FedLoan, I find out that I've paid Navient over $14,000 (4yrs of payments that doesn't qualify). So I immediately begin to transfer my loans to FedLoan servicing. I was on auto pay with Navient. They received a payment that FedLoan sent back to them. I have been calling them since October 2015, trying to get my money back and Navient keeps giving me the runaround.

3 loans I consigned with Robert ** (nephew). I have set up repayments for three loans Loan Numbers **. I have the payments at twice the minimum amount due to pay loans off asap. Bill pay is set up to be received on due date, on 25 April 2016. I received a letter stating loans are past due. I called Sallie Mae/Navient to see where the problem occurred. I spoke with a disinterested employee who told me my payment was late. I escalated to a supervisor who seemed to be equally disinterested in understanding the issue and simply said he would waive the "late penalty".

Every time I call Navient, I get off the phone feeling like there is just shady business going on. I had put my loans in forbearance and when I began repayment this month, I was on the graduated repayment plan. While my minimum monthly payment is $191, I was okay with this because I will ideally pay more than the minimum payment and at the very least, I am paying the interest that accrues. When I logged on to the website on 4/14/2016, the amount due was an additional $100 from my agreed upon payment. I paid it, without question, since I was sure I had some outstanding interest from the forbearance.

Have made monthly payments in either $25, $30 or $50 increments over the years. Statements show less credit than what I have paid and in odd amounts; shorting my credit by less than $1 every time. Principal + interest = what I paid. Where is the money being allocated/siphoned? Sent a letter asking for explanation of discrepancy. No response. Multiply this by how many thousands of customers per month and it adds up. They should be audited!

Navient has the WORST business ethic of any company that I've dealt with, here you have people who are trying to take care of their loan situations and these guys make it extremely hard! I've sent them an Income Based Repayment Plan 4 times and each time I have been lied to and I really would rather not deal with these guys, so if it's possible to switch my loan to another lender I will be looking to do so and I advise YOU to do the same! Navient = TRASH.

I was under deferment until June 2016, or so I thought. Until in March I started getting emails saying my payments were due. So I sent in paperwork for the Income Driven Repayment Plan (I would owe nothing per month - sucks being poor), they said they received it on March 31, but I sent it in on March 28th. On Friday, April 22, 2016 I get an email telling me that my paperwork was still being processed. But on Tuesday, April 26, 2016 I'm told I'm late and I have to pay. So I called Navient. I was told where to go to on the website to apply for forbearance or deferment. Well, those have been used up and nothing else is available. The woman said that I would have to pay March and April's payment or risk being "late" until my paperwork is processed. To which I asked her why I'm being penalized if they are the ones taking their time with the paperwork, that's when she got pissy.

I faxed my Income-Driven Repayment plan request several times and I called customer service to make sure they received it and they say yes. I just received a letter in the mail on 4/22/16 saying I'm no longer eligible for this program and my payment will be going up! I'm on non-taxable disability! I’ve called several times to Navient for myself and my mother and was told to fax the forms several times and they said they got them! There is something going on with this company!

I have fallen on some really hard times and went from making about 60000 a year all the way down to 29000, I can barely afford to make it day to day. On top of all of this I was living on the streets for a month because I could not afford a place to stay (thankfully my friend let me stay at his apartment till I get back on my feet). I called Navient to try and put my loans into forbearance and they said, "Sure but you have to pay $150.00 and that would be for 3 months." They said after the three months I could call again and put them back in but would have to pay another $150.00 and then I could put them in for 3 more months (the max 1 year) and pay another $150.00.

Have been emailing the president and executives from Navient for 6 months to negotiate my over 100,000 of loans which now tacked on about another 25,000. They have also given me the runaround and are threatening me now. I had a friend who co-signed and they said they can afford to make the payment when in fact they cannot. She is old in hospice and Parkinson's and Alzheimer's. They have threatened her. Really how greedy and heartless can they be. I have been offered by a friend a lump sum of money to settle the debt for approximately 60%. They have refused because of the co-signer. They were supposed to call me back today but did not... Another days interest. Help.

Sallie Mae/Navient has ultimately drove me to the point where I will refinance my loans elsewhere. Customer support (if you have the time and patience to wait to speak to someone) is unable to explain to me why certain changes had occurred to my loans. Simple Q&A that should be available with a phone call is a horrific task that leaves customers like myself bitter and broke. The constant struggle for personal and financial support has left me exhausted and defeated. I'd rather pay another provider the rest of my life than give Sallie Mae/Navient another penny. YOU SUCK NAVIENT!

I had some student loans through Sallie Mae that I'm told were sold to Navient a while back. Recently I had fallen behind and told them I started a new job and hoped to catch up. As in the last 2 weeks I've started receiving phone calls during the day about being behind. After the first one that came during the day when I'm at work I called back on break and asked them to cease calling during 8-5pm but could email me and I would respond when I got home...

Recently I paid my loans in full and sent the full amount to their GA address. I held two loans, one with Dept. of Education and one private loan with Navient. Navient owned both loans. The Dept of Ed cashed the check for 62,000. This was at the end of March. Since April 1st I have been waiting for the check to be returned to me and they continue to call me and harass me that the account is in default. Meanwhile they are aware of the issue and that they are sitting on 35,000. In addition, they keep telling me I owe money but they have yet to send me a bill. This was another problem I noticed throughout the years. They would call me to harass me to pay but I did not receive a bill for that month. They are very inconsistent and NO ONE can answer your questions. DO NOT DEAL WITH THIS COMPANY!

I would happily give back my degrees to not have to deal with this company. They said Sallie Mae change to Navient to better serve us. That is such a load of crap. No matter what I try to do, I get the runaround. They have no office hours on Saturdays to deal with these issues. I do not have hours during the week to be on hold, transferred around, and then be told I need to contact someone else. I called the agency I was told to get my paperwork that Navient said they do not have access to. (Really? Then what do you do?) Contact them. They tell me to get in touch with Navient. I can't, My account has been disabled forever. I can't get it reset. It's Saturday and when I call, choose the option to reset, they tell me they are not open and hang up. Exactly how is that helpful?

I got my student loans in 2010 and paid til 2013, I owed at that time $7,000... I been unemployed since 2013 with major anxiety attacks. I've called so many times and I can't get a hold of an operator. The time I did he told me that I can apply for forbearance going onto studentloans.gov and had to apply there, and that website was going to automatically sent all paperwork to Navient. Oh but I forgot to tell you I been trying to log in my account that I had online. Previously with Sallie Mae I had no problems but it's been over a year. I can log in and called the number and no help. So this guy tells me to create another account which I did...

I have a 20-year consolidation loan which originated in 1996. I have always paid on time every month since the beginning. I did have a 14-month forbearance which began in 2011. At the end of that forbearance, my payment was increased as I was told by Navient to cover the accrued interest which was added to the balance. In 2015, I called Navient to see what my balance was and to confirm when my payoff date (last payment) was to be in 2016.

I consolidated all my loans after graduation. My mother, whom cosigned on one private loan, has been getting terrible phone calls everyday demanding more than 1000 dollars and threatening to sue her for my "default account." Navient refuses to contact me directly, and they refuse to send us ANYTHING in the mail. My mother and I have contacted our local DA, and Consumer Protection. I also filed a complaint with the BBB. These people are nasty, rude, and have no intention of "working with" anyone. I am not default, and there is no indication on my credit report, and when I contacted Navient directly, they told me, "We don't handle collections."

Since my loan was taken over by Navient, I believe their loan processing (interests rate and allocation of funds) uses incorrect or fraudulent practices. I sent payments in on a weekly basis. The combined monthly payment exceeds the minimum amount due. For example, two weekly payments in the amount of $60 and $10, for a total of $70 per week or $280 per month. Reviewing a 2 month period, only one of my payments showed more funds going to principal than interests. All payments are routed to interest first even when the check is annotated with "PRINCIPAL ONLY". Calls to a Navient agent does not result in a payment being deferred only to principal and none of the agents I have spoken to on several calls have the ability to explain anything about my account other than amount currently due. However, I have had that answer change on several calls to the company on the same day.

I have been making payments for several years now, but they still have me listed as delinquent and default by 33 payments and you can't get in touch with someone by phone. I also notice that I was charged for a 1-01 Career Training course of $426.10 in May 4, 2016, which is confusing since it's a future date. I never took any course, and it said I'm already behind? Is there any way to get legal action or just someone that can hold them accountable and reverse the damages they are doing to my family's finances and my credit score? The crazy thing is they claim I only invested 0.1 cent on my student interest loan when last year it was over $1,000. Both years I've been paying the same amount on my student loan.

I decided to make a large payment on my loan. It was taking out of my account, then later I found out that Navient reversed my payment and now I am charged a late fee. I have tried to make the large payment again and the same thing continues to happen. I have now "missed" payments and three late fee charges. No one via email or phone will correct the mistake. Action will be taken as I have proof from my bank that it is Navient doing this to me.

I took a loan out, started paying it back and the amount is still greater than what I took out. I barely make enough to cover my own expenses and they call 5 times a day pressuring me to pay. I have made attempts to pay as there is financial hardship. Customer service are very judgmentally and voice their thoughts about the fact I'm not able to pay enough to them. Please I need assistance. I am doing the best I can with what I have. If there is anyone who has some extra money to help pay off my loan or if this company is doing fraud please help me!

I am pretty sure I got scammed. I was on Facebook and clicked on a link that said Obama's Student Loan Forgiveness. I got a phone call right away. Gave my info. They said I could have my loans consolidated and I would have to pay $499 for some processing. I could set up a plan to pay the $499. They charged $1 to make sure my payment would go through. I called them back and cancelled that but now I got a paper in the mail with Navient "Department of Education Loan Servicing" with all my student loans consolidated into one amount. I haven't made any payments to them yet. Is there any way to change it to a legit Loan Company???

Navient - no email contact, no application to switch your payment plan, have to go through 15 different automated robot options to speak to a live person, the live person is usually someone who does not speak English well. If they do not want to be bothered talking to people, why do they not have an email contact or forms online for repayment plans? Just like to waste your whole day with robot options and talking to someone who barely understands you.

I have nothing good to say about this company. They are now servicing my loan after they claim it defaulted with Sallie Mae. (I was laid off from my job and couldn't afford to make payments but Sallie Mae handed my loan to Navient regardless.) So I have consistently made payments to Navient for 2+ years, never late, they automatically withdraw my student loan payment from my personal checking account. I was reviewing a statement from almost a year ago which showed a smaller balance than the one I currently have. I called Navient to ask them to explain this and their only response is that they need a high level manager to call me back which never happened after 3+ attempts to get an answer. The rep I spoke with said should feel lucky that Navient has even agreed to help me at all. He kind of insinuated that I was ungrateful.

So I spoke with a Navient customer service rep on or around Feb 16, 2016 concerning my loan because I notice that my entire payment was being applied to interest. After some discussion I was told to pay $50 to lock in the monthly payments of $455 and that my first payment is due on April 1, 2016. I was assured that there would be no additional fees and that monthly payment would be $455. I logged on to make a payment today only to find that they wanted me to pay $320 more than what was agreed upon. When I called to ask why the payment was $775.67 they said I applied for forbearance, which is not true.

My son has 7 loans that are in default with Sallie Mae. Navient keeps calling us up to 7 times a day about these accounts even though we have no loans through Navient. They refuse to provide us with paper copies of these loans or promissory notes. Today they sunk to a new low by calling me and somehow using my son's phone number. I cannot see this being legal. I am considering contacting a legal firm to start handling this.

I have tried numerous times to pay more than my minimum due when I have a bit more money on certain months with my credit card. I get rewards on my credit card more so than their BS 0.25% discount for auto debit and they say I can only do that with my bank account number. I don't like having a company whose policy is we will take this money not that money to have my bank numbers. Isn't there some law against penalizing students from paying off their loan faster?

My payments to Navient recently went up from $78 to about $191 which is a huge jump! I received two very nice letters from Navient stating "your loans are about to go up, we can help you with payment options," which I thought was extremely nice! So, I call them up and I get a gentleman on the phone, and I tell him that more than doubling my payment is not going to work for me since I live penny-to-penny. I pointed out that I'd been an incredible customer up to this point and had NEVER missed a single payment; if they raised by payments by this much, I was not going to be able to continue making payments.

So I receive an email yesterday from Navient saying my statement is ready. So I took a look and saw that I owe over $500! I flipped out but because it was Easter Sunday, I wasn't doing any business on the Lord's day. I call them this morning and am being told that I owe $255 and some change on March 25th even though my bill said I owe $100.16 and also for upcoming April. The rep is telling me that I reapplied for the IBR Plan in January and I'm telling him no I didn't since I applied in Dec. He said they have a signed application from me and I sent them proof of my income in Feb. which I now remember doing but I thought it was from my original application so now my payments have gone up by $155 even though my income has NOT changed from last year and I get paid once a month.

According to Navient's own website, I have paid $36,767.23 on my loans. Navient has applied $28,653.18 (or 77.93%) to INTEREST. At this rate, I will never be free from these loans. When you try to go through your account records, there are sales, adjustments and purchases that make no sense. It's impossible to figure out what is going on. Avoid them like the plague. Their tag line should be: Navient- new name, same predatory lending practices!

I have been concerned with Navient's customer service but after reading some of the complaints on the Consumer Affairs website I'm actually encouraged because now I know that I'm not alone. I believe that together we have a fighting chance of bringing Navient down. They will not get away with trying to destroy the financial lives of so many families. I have been sending Navient my information since January 2016. Navient never responds to me to let me know what it is that is lacking. The only correspondence I receive are account summaries with total payment due. I am doing all I can on my end, but I am upset with how time-consuming Navient is. I am extremely disenchanted with them at this point.

Navient does not work with young college grads to repay loans and will not reduce payments to a manageable level. They agreed to a payment plan and 3 days later came back and said the Sr manager did not approve. Was put on a 20 minute hold before hanging up when I requested to speak to a manager. They hung up on me 3 times after requesting to speak to a manager about their behavior and lack of willingness to review the loan. I had to call another department to speak with a rep and even they agreed that the behavior was uncalled for. They are the WORST student loan company ever and no one should ever secure a private loan with them.

I've spoken with this company with the attention to settle previous debt that I was trying to clear up. I called them in January of this year with attentions of rehabbing my student loan and this rep refused to do it after Navient told me I must rehab to consolidate my student loans. Amanda ** who refuse to give me her employee ID mislead me to believe that she would fax over a hearing request 3/21 & 3/22, then after they refuse to answer my calls over 5 times today they then put a so call manager on the phone that explain the mail room was closed for today and no fax could be sent this last.

First of all, I have received 40 calls from 888-272-5543 since Feb 25th of 2016. That is when I went to NoMoRoBo and found out how to block this number. These 40 calls so far are logged. Previous to 2.25.15, I'd get the calls 3 times a day. I finally called the number back, being that my name and the name they are asking to speak to are not exactly the same.

In addition to refusing to make negotiations via the mail, after repeated attempts to get answers without having to talk to someone on the phone (which I contacted the CFPB about a few months ago), Navient has received over $20,000 in payments from me over the last 5+ years. I was horrified to find out that as of today, almost ALL of that money has gone into interest only payments. Of the five separate private loans that were taken out, only ONE of them has decreased by around $1,850. The rest of them have gone up - way up. In short, $64,000 has turned into $75,000, and counting (yes - that's $30,000+ in interest and fees - just about half of the original loan). This is a nightmare.

Called yesterday 3/17/2016 to get help concerning student loans with are behind due to wife becoming disabled and currently cannot work due to neck and back surgeries which have not worked thus our household income has been reduced by 1/3. What a joke their customer service is. The first line agents know and do nothing, placed on hold each time she had to see if they could help me (Multiple times). With all their supposed programs they cannot help people in trouble. Been laid off three times (Dislocated Defense Worker, caused by the US Government).

I am so frustrated. I really do want to pay off this loan faster. Years ago all my loans were consolidated by USA Funds. Then I was switched over to Navient. My total loan is now around 35,000. I have been making all the regular scheduled payments online. Then I started making a few extra little payments online. It seemed to me the daily interest they charge was going up so I watched it daily. I supposedly have a fixed interest rate of 8% (too high I know but I had no say so in the matter - this is what they assigned me).

When Fannie Mae was forced out of business because of deceptive and criminal behavior it became Navient. Navient has refined the deceptive and criminal behavior to an even greater degree. Navient has created a plethora of associate companies that they use in their deceptive practices. Find any student loan guarantor or collection company and you'll find they are all part of the Navient family of deception. My son has been trying to pay off his student loans for 6 years. First Navient took his monthly payments and applied them only to his low interest loans early and making his high interest loans go into default. Once they made his loans go into default they started charging him additional fees often great than the total interest on his loans.

This company gives you a different answer about what you are calling about every time you call. They harass your co-signers before even calling the principal account holder. You think you are getting it handled and the next week you find out that last person told you the wrong thing in the first place. This company is fraudulent and crooked, and needs to be investigated. I am surprised there is not a class action lawsuit yet.

I had made three payments on my loan over the course of three months. The interest deducted from each payment is about $250, however, my monthly calculated interest for all the loans I owe is approximately $90 confirmed by the Navient customer support. When I asked why I am being charged $250 a month interest when I owe only $90, the very uninformed customer representative keeps telling me that the interest rate is compounded daily. I said "I know, answer the question I have," then she says I owe over 1200 $ in interest. I asked for what period, and she has no clue.

I was a student with an associate degree, and I want to complete a BS degree. My education is very important to me and I accrued student loans because my college grants were not enough to pay for my classes. I had loans through Sallie Mae and up until 3/18/13 then I started get email from Navient a company that I did not know. I began to experiencing Loan amount doubling from 24,561.06 to 43,345.78 on the same date of 3/18/13 . I contacted this company complaining, and I told this company I wanted to stay with Sallie Mae. I did not have problems with Sallie Mae like overcharging me, and I would like an investigation of this contract company that took over my student loans. I have been a student and I still had loans still increasing by 20,000 after I called Navient. I went in online and completed forms to get a deferment and it completed.

I have several loans with Navient (Sallie Mae). I keep my loans in forbearance while I make payments because I can't really afford the payments they require. So I make more than interest payments each month, so they don't go up. But recently checking my statement I found that Navient says I have to pay $247 a month in interest. But when I make payments it only take $180 each month for interest, leaving me a leftover interest amount every month, which they then apply in July, like they did last year. All my payments went to interest and then they capitalized more than I paid in principal due to their faulty payment processing. When I raised a concern with them over the phone, nothing but talking in circles, and saying this had to be researched. I believe they are doing this to keep people in debt...

Navient keeps saying that my account is delinquent. They say I owe money when I do not. I keep getting phone calls stating that a payment is due. I overpaid them $100 in the month of February hoping this would clear any past due amount they said I owed. Well, that did not. They are still calling me requesting more money.

If you don't have a tablet or a smartphone their payment website will not work. It never fails. From month to month I log into my laptop to make a payment and it never works. I then need to log into my account via my smartphone to make a payment. I find this to be annoying and not user friendly. They need to change their website immediately for proper payment (by which is interest only).

I am currently unemployed and unable to pay the required payment(s) amount. I was told by customer service that based on my income of $10.30 an hour I qualified for an IBR plan and that my payment would be $0.00. I recently received via email (recently) two different statements. One showed a payment around $300 and another showed an amount around $600. That is not an IBR payment. Who are these people? They seem to be mimicking the scumbag, loan-shark mafia of ACS. A few people have already filed civil lawsuits against ACS. I'm waiting for a mass civil lawsuit to happen. Seems to me that these people are not even following the rules that Obama set. Aren't the interest rates supposed to be no higher than 3%? I'm clearly confused and have no idea what's happening.

I don't know what the difference is between the Federal and Private loan divisions of Navient. This all started because after 5 years of being on a very low payment plan, I was notified that both my Federal & Private loan payments would be changing. I should start off by saying that I had a fantastic experience dealing with them for my Federal loans last month. The rep worked with me to explain my options and come up with a plan that actually works for me. The rep told me it was too early to deal with the Private loans, as that payment wasn't changing until April. He recommended I contact them in March and gave me the number to call.

Navient has been a one of the worst headaches I have ever received from any business/service provider. I have recently found out that the monthly payment that I have been making were all going towards my loan's interest. This would not have been such a shock if I was not misled by Navient that some of my monthly payments were going towards the interest and some towards the principal. That was a lie and it took me almost a year to find this out. I have been making about a year worth of payments and the total balance has increased. How does that even happen? Well it was due to them taking my "extra" money payments (etc. "extra" meaning money I have paid over my monthly interest payments) and paying the interest instead of the principal.

Every year when IBR time comes around, no notifications are ever sent out and account us always been disabled months in advance, so students don't get notices. This company continues to defraud students in an effort to make them late and compound interest. They refuse to process paperwork and keep rejecting, so that they can collect late fees. They have destroyed our ability to buy a home and we are now living in a hotel with our 2 children. If our income is 53k per year, how can the payment be $1500.

We originally had Sallie Mae for our school loans, and they were fabulous and easy - but then they got bought out by Navient. Navient is, BY FAR, THE worst loan company to deal with!! Our biggest complaint is that they make it difficult to actually pay them!! They hound you for payment, but are extremely picky about how they want to be paid! With Sallie Mae, we were able to use a credit card, debit card, or check and it didn't matter who paid it (spouse, parent, etc.).

I'm writing here because maybe not enough people have complained, which is why NOTHING is being done about Navient, but they are low down. They're crooks. Yes, we took out the loans. YES, we want to repay them. When you can't pay a mortgage, you can refinance. We don't have that option. You work with the company. Right now they're telling me I can more than afford my payments. I just did the math... no, I can't. I'm left with close to $100/mo when I calculate how many bills/expenses I have to live, and how much they want me to pay. That's all I have. $100/mo. And we all know how expenses work.

My account was recently disabled and I was not able to log in- I engaged Navient's customer service team, and it has now been almost 3 MONTHS and my account was JUST fixed today. Navient mixed up my social security number with someone else's which somehow caused my account to become disabled. In total, I probably called close to 13 times before the issue was ever solved. I was told I needed to fax over a copy of my Social Security card and once I did that the problem would be solved. I was not comfortable faxing my SSN Card in the first place and asked for another option, the representative told me that I could log into my account and attach a copy online. I laughed at her because how could I do such a thing if I am LOCKED out of my account... I was then told I needed to reset my password online, which I couldn't do because my account was disabled. I was told that the login was not case sensitive, which is not the case...

Navient is performing credit report soft pulls every time they call to collect on a debt without consent. This is illegal and I'm going to seek an attorney to sue them.

I can't login into my account to get the tax form I need due to not having the ID/password combination. I tried to reset it, but I keep getting an error message. When I called, not only was the office already closed, they claim it was already sent. Trouble is, it was NEVER mailed or e-mailed. And we have a tax preparation meeting tomorrow.

Navient's overseas call center calls me three to five times a day. I'm making payments, but not the amount they require. I've been trying to resolve my student loan problems for years, but there are no programs they can offer to assist me. I've told them to stop harassing me, but they persist. It's having a negative effect on my mental health and is not just annoying but torture.