Navient Reviews

Navient continues to call relentlessly when I am late on a payment. They will call me and I will explain the payment is forthcoming on the following payday, saying they are taking note of the payment and will immediately call my cosigner and bully her into a payment. I was just today able to pay off the remaining balance of approximately $2600 (Mind you the original principal was around $10,000 and I have since paid almost $30,000 in payments over the past 16 years). The amount was paid online last night and they called my cosigner this morning (who made a payment on my behalf the day prior) to tell her there is a past due amount that must be paid.

I had given up on paying student loans. Navient has taken 450-500.00 a month from me for nearly a year, and said I was a month away from paying off a personal loan. Then I get a call from them, and they told me they received NO PAYMENTS FOR MY STUDENT LOAN!!! I was flabbergasted! I said, "okay, let me call back in an hour." (I wanted to see if the number, I have been talking to, whilst paying my loan, was the same one.) I even called the Department of Treasury, to see if this was the same company. It WAS the same company!!! I have proof they have taken out monthly 450-500.00 and they say I've made no payments! I have bank statements proving it!

I was set to review my student loan repayment plan and turned in my application two months before it was due. Then January rolls around and my application was never processed. I called Navient and they said they were missing one piece. Did they tell me that beforehand? Nope they didn't care. It is now two months later and every week I am faxing them things and recalling them trying to get things settled. They claim they can't call me or let me know if they receive the information or if they need more so it is a huge guessing game and tons of time out of my life. When talking to the representatives they blame everything on you and take no responsibility. They don't care and I am getting the impression they are out to screw me. Every week it's a new issue and they even claimed I haven't been sending them anything when I have been doing this for months now. This is the worst company, do not use them!

I am currently enrolled as a student finishing up my last year of my degree. Now that Navient has taken over my loans I have had nothing but problems. Every time I enroll for a new quarter I get a letter from Navient saying that the school reported that I dropped out and as a result my loans are no longer in deferment. I have called the school and it is not happening on their end, they are reporting my enrollment correctly. Navient says they can't help it and they need to hear from the school even though the school has notified them every time I register for a new term. I feel like I am being scammed at this point.

In 1991 I obtained a BS in Sociology, in 1994 a MSW and then in 2002 a BSN. It is now 2016 and I still owe greater than $68,000.00 on one loan and greater than $3,800.00 on a second loan. As so many others have experienced My loans were with Sallie Mae who sold to Navient. The purpose of this complaint is I spoke with a representative today who affirmed that greater than 90% of my monthly payment is interest. I have been paying on these notes since 2002 and there has been no decline in the amount owed.

I have been faithfully paying student loans. All of a sudden I have gone from 60,000 to 170,000. Navient is the worst company I have ever dealt with. They call a million times and you can never get a straight answer. I have rec'd 10 letters saying the same thing. I wish they would go back to Sallie Mae or some other loan servicer. They also drafted money out of my account after I cancelled the payment which was not due. It has taken a month or more to get my money returned and I am still waiting. I wish someone would listen to us about this company.

I applied for a loan with Sallie Mae in 2008, fast forward to Navient taking over I'm paying roughly $325 monthly. The dollar amount slightly differs each month. I will not finish paying off this loan until 2028 @ $325/mth. It stated on my online account I will pay $77,580.89 total at the end. This from borrowing $23,850 in 2008. How can this be? I asked for a lower interest rate. I was told the only way to do that is get auto pay for a 2.5% lower interest rate. This is just brutal!

My Sallie Mae account was bought by Navient and ever since I have been having trouble. They have the rudest customer service reps. My name was placed on my granddaughter's loan and now they are harassing me for payments. They even told her that I can afford to pay my loans and hers; therefore she should talk to me. I have been trying to get my IBR form but the way they have set up the new site makes it virtually impossible to retrieve the form and send via electronically, although they say the best way to send it is electronically. They were supposed to send me one by email but the only thing I received was a link, the same link that is on their page and doesn't work. Someone needs to do something about these people, who in the hell choose these folk anyway to take over the accounts. They are the worst business ever, be careful with them everyone.

Last year, Navient locked me out of my account, and due to my bankruptcy, I was late but had gotten it caught up and paid off one of the three notes the month prior. They are 3 months late on their reporting, so when they got notice of my bankruptcy, I was already final. They locked me out after the bankruptcy, and I was all caught up on my bills and had auto pay. When they stopped my auto pay, they made me go into forbearance and pay a late fee, which three attempts to get back on auto pay, ended up with the rep keying in the wrong account numbers. So, I was still late and had to go on mail pay. I paid it every month until some rep, got my bills and started only paying on one of the slips of the two submission invoices that I was sending in. Now I am two months late on one note and I am not due for a payment on the other note for two months.

I have to be fair and in my post on 2/6. I stated that Navient in error stated I had $0 payment due. In exploring that further and in speaking with the additional staff there, I guess my income is low enough and in the Repay plan I end up having a $0 payment. This still counts towards public service loan forgiveness but will probably leave a really big tax burden at the end (one mountain at a time). It is possible to have $0 payments under a few of the IBR based plans so I have to correct my review and give Navient props, for now.

I think they are the worst! They are unprofessional and do not have the customers best interest! They have messed up my credit, and constantly harass me with calls about these loans that I have been paying down the last 2 years! How can we get ahead when Navient applies all types of late fees, interests that are unreasonable! I hope they bankrupt!

Working night and day right now to stave off attacks from Navient leeches. After hiring an attorney and disputing the debt for my wife's education (a huge economic loss), the debt should go into a "disputed" status. Which means by law I can withhold payments while the investigation is taking place. The creditor may not take any legal or other action to collect the disputed amount and related charges (including finance charges) during the investigation. Everyone is entitled to dispute a debt and investigate the lender for any violations of the contract or validation of the debt. In most cases, the lender would not even be able to provide proper documentation tying you to the debt. These violations, combined with unlawful debt collection practices, can be leveraged to force a settlement or get your debt dismissed in court.

I am a teacher of 7 years with slightly less than $5000 left to repay on my student loan. I am 100% eligible for federal teacher loan forgiveness. My remaining balance should be erased. In October I applied but was rejected on a technicality - the dates of my employment on the application were not written in the precise mm/dd/yyyy format. I thought this was silly but I had my HR supervisor fill out a new application for me and applied again in December.

Okay it is not just me having problems with Navient. I cannot believe how many e-mails I get hounding me, new documents and payments, etc. Plus, their website just sucks. It is not user friendly. I have 2 student loans with them and it is a nightmare. My first student loan was around 4,100 dollars, payment 124.00 a month for 10 years. How is this possible. My payments should not be this high for this many years. I had a student loan with Nelnet at one-time, loan amount was around 7000.00 dollars, my payment was 50.00 a month for 20 years. When I could not make payments to Nelnet I would file a Hardship Deferment. And make payments when I could. Anyways had to go on disability ran out of deferments; so I call Nelnet - they drop the payment down to 25.00 dollars a month. Did get it paid off with NO PROBLEMS, along with other Student loan companies.

This piece of crap company asked for it, so they got. Return the same harassment back to them, be a big pain in their ass and they will beg YOU to leave them alone... keep reading: First, start a claim with the Consumer Financial Protection Bureau, lawyer up or harass the company back with letters via US Mail immediately. Start a paper trail. The last thing this company wants are more and more lawyers coming after them, or a paper trail by you. They want scared, uninformed people who will say yes to their harassment and bow to their demands. I got fed up with the way they conducted business with my loans and so I had to fight back.

I am cosigner of my daughter's student loan and tried to pay off the loans last Oct. We sent three checks to pay off the three loans. Two were cashed and a third was "lost" even though all three checks which were bank checks with fraud protection were sent in the same envelope. We have worked with twenty different individuals, callers, supervisors and an ombudsman named Jeff. Jeff will not leave a phone number when he calls and our bank has sent a letter to be signed from one of their officials that they never received the third check. Signing it would just allow the bank to cancel the third check and issue another one.

I am at the end of my rope and don't know what to do anymore. We took out a student loan for our daughter while she was in college 10 years ago. At the time, the loan was done with Sallie Mae. We have been paying $600 a month for 10 years on the loan as unfortunately my daughter became medically disabled. Fast forward and Navient has taken over the account. Even though we have been paying for ten years and the original loan was for $30,000.00, we now owe over $70,000.00. How is this possible???

While trying to get an accounting from Navient on my sister's student loans after her death, I kept being told that no one would talk to me because I didn't have a POWER OF ATTORNEY for her. This is true, what I have are LETTERS TESTAMENTARY from the court to administer her estate - there is NO power of attorney for a DEAD person. Her loans were cancelled due to her death and no money in the estate to pay them. When I received the 1099C statement, it was incomplete - the date of the cancellation was not listed. This date is important because I am trying to show that her estate was insolvent at the date of cancellation to try and not have to pay Fed Income Tax on almost $36K in cancelled debt.

Navient is the most irresponsible financial service provider on earth. I am the co-signer on a school loan who has taken over the payments as my niece (the primary) kept missing her payments. Her grandmother was trying to help as well but both are extremely poor. They were also poor at documentation when they actually did make payments so they have little proof of some payments they made, in particular with money grams. Even in instances that they obtained a confirmation number on a payment, no one at Navient can ever find their own confirmation number.

When this company used to be Sallie Mae, I would receive documentation regarding my loans and IDR re-application through my inbox. On the Sallie Mae website, this was already difficult to find. As a result, I missed an IDR notification and my loan amount went up which forced me to use a month of forbearance. They don't even contact you to let you know you have a message in this confusingly placed correspondence area. But I won't make that mistake again.

Sallie Mae/Navient have created financial ruin and depression for many borrowers. There is no way of getting a reasonable payment that you can pay off in a reasonable amount of time. No wonder so many fail at repayment when they are setup to fail. The high-interest rates and fees add up faster than a person right out of high school has the mindset to understand the consequences of. Had I know I would be repaying a never ending loan, I would have chosen a different path in life. One with attainable goals not half of my income going to a student loan that the principal never seems to lessen. As if the capitalized interest over the time you are in school isn't enough income for this company, they also continue variable interest for the rest of the repayment period (15 to 30 years). An original loan for $8,145.00 will have a total repayment amount of $30,860.96. That is robbery if you ask me.

I have made several payment arrangements over the last 10 years with Sallie Mae/Navient. I was threatened and told I had to make a settle payment of 8000. Although I didn't have the money, to do the harassing calls to me, family, employers made me borrow money. I never received a receipt stating the settlement I paid and what loans it was allocated to. I then made an arrangement for monthly payments which started to be devoted multiple times on the same day. Anytime I call and ask for clarification I get harrassed!!! Enough is enough.

Navient took over my student loans. My loans are from 2005. Even though payments were being made it just keeps going up. From 25,000 it's now 45,000. I'm on disability... Navient gave me zero to pay until next October. I need someone to advise me on the forgiveness program.

I am a co-signer for my daughter's school loan. I have three loans. She has been diagnosed with an illness. I have informed Navient in the past that she was diagnosed and that the max she could pay them was $158.00. It seems that they never document her account because I have had this discussion EVERY month for the last 8 months. I received no phone call or direct mail to inform me that a payment had not been made. I called to discuss that as the co-signer was not properly notified. I would bring my account up to date. That because I was not properly notified as the co-signer I request that they remove the delinquent from my credit.

I had gotten my student loans consolidated through Navient and have been paying on them since 2012. They take it directly out of my bank account every month. However, I received a letter from the department of education that the loans are not being paid. I called loan locator to check to see what loan. It's the SAME one I've been paying on for the last 3 years. I call the dear tent of education first and talk to them. They said I need to have Navient send them a letter stating that the loan is being paid. So I call Navient and the lady was COMPLETELY rude to me, told me that they don't work for the department of education and they will not send a letter to them. I've sent my bank statements and all proof to show that I've been paying it but just keep getting the runaround. Where has my money been going then? $10,000 is a lot to have to pay twice and no one will tell me what the heck to do. They are crooks. Stealing money and then lying.

I emerged from Chapter 13 bankruptcy a few months ago. All of my debt has been discharged. I noticed a past due amount from "Sallie Mae" on my credit report last week, and immediately called the credit bureau to report the error. Today, I received a bill from Navient. I had never heard of this company, but a quick Google search shows that they are the "new" Sallie Mae, and nobody is happy with them. At this point, I am trying to decide if they are incompetent, thieves, or both. They will be hearing from my lawyer.

The issue has now been taken care of by Navient. I understand everything, and they explained things patiently and well. I am happy to say that they did a nice job.

Last year, I asked Navient on the phone if it was okay to take units from two different colleges in order to become a half-time student. I was told that I could. I was not told that I would have to do some separate paperwork. I went them a message regarding this via email when I first received a request for payment. I did not receive a response. I called and was told I needed to go to one of the schools and request some paperwork, however, Navient was unable to send me anything written via snail mail to instruct me as to what the school needed to do and who to call if they weren't clear.

I had a pretty large consolidated student loan with Navient, and while I have to say they have never given me any issues with applying my payments or customer service or anything like that, their predatory and very shady practices/lawsuits were really a deal breaker for me. I refuse to let them make anymore money off of me any longer and have since refinanced from a whopping 8.25% variable loan with these loan sharks to a 5.19% fixed loan through Charter One.

Navient is one of the worst loan company I ever saw. They don't care about anything. They call friends and tell about my account. I called the Navient manager not expose my privacy before they contact. They simply told me that THEY DON'T CARE. I advice the public not to borrow money from the company that Doesn't care about their customers.

My loan Sallie Mae Sept 2014 was at $21,000.00, which was hardships and forbearance etc. I switch to Navient. Now it's 50,000 showing on my credit, then they offered the Rehabilitation loan - what a wonderful solution. It increased my debt. :(

I got nowhere with Sallie Mae/Navient: I had complained about my borrowing $9000.00 to finish my degree. The school told me that my only choice was a Signature Loan through Sallie Mae, not knowing that it was the same as a Personal Loan. I later placed everything on hold to finish my Master’s degree. Sallie Mae allowed me to do so also. Once I began to pay I noticed that my $9000.000 loan had grown to a $29000.00 loan and that was over a period of 15 months. That's when I started looking into things with Sallie Mae. I agreed to a low interest loan payment so that I wouldn't default. I was told that 3 months of on time payments and on the 4th payment 0.01% would go toward my principal amount. So after paying for 1 1/2 years I decided to call and asked how much had I paid down towards my principal and was told none, that I had only been paying interest.

It's been time and time again that this company has disappointed me. I was finally able to resolve their consistent denials of my loan forgiveness this year after 3 years of trying. I decided it was time I consolidate the 4 loans I have with them so that I could just make one lump sum payment and somewhat of a smaller monthly payment to make life a bit easier. Well, I just received two letters from them, one stating the actual amount that I should be charged and another that says I owe what I originally took out from them! This happens to reflect on my account as of right now. That means all the money I have paid these past few years have all been wiped away???

Within the last 3 weeks, I have received 4 letters from Navient showing 4 different payment amounts. The balance owed varies in dollar amount. I have no idea why I am being charged late fee because I have been in forbearance which ends soon. I don't understand how they can just have their way with me and keep changing my payment amount. I also don't understand how Sallie Mae can just turn us over to Navient without us having any say in the matter. We are a one income household, my husband is waiting for his disability to kick in. I need to know my options.

I am in the second year of my PhD. I have had to file an in-school deferment on my private loan every semester for some reason. My federal loan is deferred until the end of my program without an issue. I applied for the next semester as usual, but was denied. I wrote asking why I was denied twice but was unable to get a person on the phone or anything other than a stock letter. It is incredibly callous to just repeatedly send someone a stock letter when they have a legitimate question.

On 12/24 (Merry Christmas :/ ), I received an email notifying me of a billing statement available on their website and the payment due date - my loans are in deferment! I have the deferment approval letter that puts them in deferment until sometime in 2017! I have emailed twice now, and have only received one, (after my second email), AUTOMATED response! I have now responded, via email, and attached the deferment approval letter, but hell, it's automated for God's sake - who will actually read it??! I loathe this company!

According to what was showing on my wife's account we had 2 open loans, one for $6,500 and one for $3,400. A couple months ago we decided to take the money out of our savings and pay off both loans. Recently I noticed they were still taking money out of our account each month so we looked at our account and it said we still owe $6,400. We called to find out what was going on and they said the $6,500 payment didn't go through and it was refunded to our bank. It was not refunded to our bank. We made a copy of our bank records and faxed it to them like they asked. Now they are telling us they did receive the $6,500 payment and the additional $6,400 we still owe is for a federal loan which shows up nowhere on any of our accounts. We're really upset and don't know what to do. They just stole $6,500 from us and are trying to make us pay an additional $6,400.

I make extra payments when I can, but I'm still accruing interest on amount paid toward principal, because they advance my extra payments to future regular payments. So if I make an extra $100 payment (in addition to my monthly payment), they hold it rather than applying it to principal. Then they apply that $100 to the next payment. So they are in effect charging me interest on that $100 twice (the original month, and the month they didn't apply it to principal). I contact Navient repeatedly, stating, "do not advance my extra payments, apply all extra payments to principal." I then receive an auto-generated email telling me how they apply payments, and if I don't want them to advance payments, to please contact them. I have contacted them in writing and verbally repeatedly, for both my Education and Federal loans.

I have been trying to get my IBR application to Navient since September 23rd of this year. I have called, emailed it, faxed it, mailed it, filed a complaint with the BBB and they still don't get the application, don't respond to me, NOTHING!!! I know they are under investigation right now for their unfair practices in processing veterans' loans, so if they are cheaters with them they are cheaters with me, I think it is ridiculous I have to get an attorney just to turn in an application WTF!!!

I don’t know where to start with these **. Navient just took over my Sallie Mae account over a yr ago. I remember having a 4% interest, now my interest is 9.75%. I owe over $100k and I don’t even break the $40k yrly mark. I just had a baby, so how am I suppose to pay all my bills when Navient is charging so much. What can I do? Can someone help me please, bc I feel like I'm running out of options. I'm reading other reviews and I've seen to stop paying these scammers. This company needs to get stopped from taking money from people like me. So please help.

Navient changed their misleading form that caused most of the confusion and a very helpful representative walked me through the annual recertification process. Knowledgeable employees, rather than those who are not will make all the difference. Thank you, Nathaniel.

Some Sallie Mae has switched to Navient. I have had to change my password about half a dozen times. Apparently my password never works more than two months in a row. This site is a joke and half the time. I cannot even reset my password, because that password doesn't work and I have to call and have a forty minute conversation to get unlocked out of my account. I hate talking to them because they have people who aren't well versed in English and are difficult to understand, and the whole thing could be avoided if they had half the security system of Sallie Mae.

For the last couple of months I have received 4 separate e-mails from Navient - specifically from this e-mail address: CustomerAssistED@Navient.com. The first three e-mails I disregarded because I have no idea who this company is. In the e-mail it states: "We are sending a follow up notice because your student loan(s) account requires attention. Please visit Navient.com to review your account and make a payment today. Or, mail your payment to the address below: PO BOX 9533, WILKES-BARRE, PA 18773-9533. *Please write your account number on the check or money order.

They lie, cheat, and lie again! This company should be shut down!!! Do not get a loan through this company. I had a 20,000 loan through Sallie Mae, when I got out of bankruptcy the loan had DOUBLED!!! How can I ever get out of debt?! They took a cosigner off without permission and told me I make so little money I don't even qualify for income based payment. They also told me to get another job after I explained my 6 day work week and other normal expenses... I cannot believe the scamming and cheating this company does. Terrible human beings, I am ready to take them to court, and let the world know. Do not get student loan or any loan through these scammers! YOU WILL NEVER GET OUT OF DEBT IF THEY CAN HELP IT!!! I hope my story helps someone!

On more than one occasion, my payment has been misplaced or they claim they have not received it in full when it shows on my bank statement that they have. I believe there is blatant stealing going on. The customer service people are nice but they usually assure me that they will fix my problem and they don't. I am completely fed up with them.

Ended my student loans 23 credits short of my degree. Now have been harassing me for repayment. They have been calling my church members, and family. Their tactics are appalling. I refuse to pay them anything. I can't get an answer from anyone about my loans. I am a Christian, and an ordained Baptist minister, but they are making me angry! They are the worst thing that could have happened to students seeking help for their education.

The past year I have been on a rate reduction plan with an affordable monthly bill that I know I can make each month - it is the exact most I can pay. But that is fair. As of December 31 this plan ends. When I called 12/1 and 12/2 to try and extend this plan I was denied. My job and finances have not changed, nor has my cosigners (he is retired and well into his 80s - nothing can or will change for him). They were not able to explain why my plan was drastically different from the year before ($500 more). Every time I called (3 times in two days) I was told something different. The same EXACT THING happened last year till finally they said they were able to approve it (but no reason for why it was different). There is no way I can make this new payment and I was told my only option is default?! I just want someone to work with me. I want to pay my loans, I want to do it on time.

10.25% interest is loan sharking students. I hope the owner of this corporation loses sleep at night for making it difficult for the future of America to educate themselves. Please for your own well being never take a loan from this lender. The customer service representative told me it was my fault for taking a loan. I have never spoke with somebody so rude.

I have two loans with Sallie Mae, one federal & one private. I've been submitting payments through my bank for a year and a half. Now that Navient has taken over my loans, i keep getting late notifications because they have been applying payments to the wrong account. I called once and the one representative said she will get it reversed. That never happen. I keep paying and my payments are not being allocated correctly and they keep saying I have never made any payments.

My account was with Sallie Mae, reasonably easy to deal with. It was switched to Navient (not my choice) and everything has gone to hell in a hand basket. I filed an unemployment deferment. It should have been for a minimum of 6 months. They requested a month later that I provide proof of benefits. I did. Months later I find out they charged me a late fee after I filed for the month between filing and their request for proof, that they ended my deferment with the last date of benefits I provided (although I continued to receive benefits), that they failed to properly notify me in writing of any changes made and that they continued to look for ways to charge late fees.

Every month I send my payment into Navient via mail so that way I have physical documentation of the payments I made. All of the sudden they claim they do not have the payment when I know I sent this payment. All of the sudden they want me to send the money order receipt, and this past month I misplaced it, and they are trying to take advantage. I don't want them to debit my bank account so what I will do now is continue to pay through the mail and if they don't receive it, they don't receive it period.

I am currently 7.5 months pregnant and I've been out of work on FMLA due to pregnancy complications. I am behind on my school loan. Navient knows my circumstances and harasses me day and night, all hours of the day. When I have a customer service representative on the line, that person has always been condescending, without fail. I had Navient take out 500.00 out of my checking account on November 25, 2015. A customer service representative proceeded to call me today and continue harassment. I told the lady I made a 500.00 payment 3 days ago, and the continued harassment is unreasonable. I told the lady to put off these calls for a couple of weeks, that is when I get paid again. Her reply? "You are the one that cannot pay your student loans."

Navient does not offer a real way forward, I have been on the phone trying to resolve my Navient account, only to have Navient call me twice while I was in the midst of the call. Navient representative seem to have a mission to repeat the mortgage companies irrational and brutal behavior.

For some reason people have this false understanding that late college loan payments don't affect your credit... THEY ARE WRONG. I WAS WRONG. I had Sallie Mae for about 5 years and then it became Navient. Despite making monthly payments for the past three months they continue to update my credit rating stating "payments past due". DON'T LISTEN TO WHAT ANYONE SAYS. Late payments for school loans will ruin your life. I checked my credit rating on Kredit Karma and out of a potential 251 payments (to various accounts, car loan, credit card, Navient etc) I was late on 12. All 12 were for Navient and all 12 times it was reported to credit bureau or whatever. ** My Life. Thanks!

Hello everyone my name is Jack and I do not have any business with Navient but my wife does. Long story short, not only we thought this was paid but one year after we paid this them loan they send my wife a bill that she had a balance of $454 and that she was past due 3 months. Since I'm in the business of credit card and credit reporting. I know how this works, but here is the crazy part about my complaint. I made a final payment to this people, not only you get to talk to people in the (Philippines) only but the gentlemen who took my payment over the phone, I know he is responsible for my credit card info been used today 11/20/2015, just got an email from my credit card comp, confirming my transaction that took place in **New York** which I'm here in CALIFORNIA...

The employee at Navient talked to me in a belittling way. If I wasn't able to pay my loans due to certain reasons there is no reason to talk to someone like they are a child. This employee seem to be upset with me about MY payments on MY student loan, that I owe, like the money was coming out of his pay. After a certain amount of time he then decided to go and get his manager, which he should have done in the beginning. This employee could really benefit from some training on dealing with customers. Just because you call people for payment on loans doesn't mean you can just talk to them any kind of way, Mr. Nick **. How do you expect someone to respond to you or even want your help when they are spoken to in such a manner? Also, it doesn't matter how you feel or what you think as an employee. There are policies in place when it comes to dealing with customers.

So, I get an automated email from Navient stating that I need to check my account. I checked my email and noticed Im two months late and charged fees. Im thinking this cannot be true, Im a full time student in Grad school. I called customer service in which I despise doing because I receive a different answer each time. After speaking with customer service and explaining to them that I was a full-time student, I was told that they didnt receive the information from the school. So, I explained to them that should not be the case since my Federal loan holders received the information. "Have you checked the data base?" I asked! They said there is nothing they can do. Im at the point where I cannot argue and fight with these guys any longer. My credit is good at this point, but enough is enough.

Make no mistake about it; suit will be filed against your corporation and each of you individually. The days of screwing people over while feeding at the trough of the United States government are over. Each of you, in some manner is responsible jointly and severally for the current state of student loan debt in this country. Under the corporate direction of Messrs. **, ** and **, each of their underlings have committed one of the following several actions for which suit may be brought in Texas:

I received a telephone call tonight from a woman in NY who stated she received a consolidation packet of MY HUSBAND at her house today. I also received a packet from Navient today and, lo and behold, I have her consolidation packet. Thanks to the incompetence of the Navient staff that handles this correspondence, this woman and I are now in possession of each other's SS#, DOB, name, address, and personal reference info. I called the Navient #888-272-5543 and spoke with "Avie" who gave me the #800-891-1391 for the Fraud Dept. When I called, it's a non-working number. I will be contacting news media and higher authorities who deal with identity theft to make them aware of this mistake.

Navient is the worst!!! I have had so many lost payments and payments that were not applied correctly. I emailed them asking where 4 payments, yes 4 payments, have not been applied to the acct. They said they did not get them and to send in copies of checks and I have been thru this with them many times. It is a nightmare! Believe it or not 3 of the 4 payments were credited the next day. Navient did ACH withdrawal on the checks and one of the checks had crossed out my acct# and put another acct# on it!

Finally received credit. Why does it take this company 2.5 weeks to cash a check that has been mailed certified?

Since Navient took over Sallie Mae, they have decided to go back in time and create new fees that were never on any bills before. I have called to get their explanation and literally going seven years back in time, they have started creating new fees per month in around the 5 dollar range until they came up with $150 in 'previously assessed fees', except these fees were NEVER on any bill in the seven years prior. Now for 'October 2015' they suddenly have fees due going all the way back to November of 2008. They claim these were always there, but not a single bill can show that outside of their 'new system'. This is a serious offense, in my book. And I am certain, it HAS to be illegal too!

I am not a happy camper with Navient. Been paying for my loan for 3 years. Got confused of why my loans weren't going down. So I called and lady told me out of $89, I've been paying each month only $1 went toward my actual loan and the other $88 went toward my interest. WTF. I sign up with Sallie Mae from start then Navient bought them out. I had 1 loan. Now I have 2 loans which I have no clue where 2nd came from. Still pissed that it took me 3 damn years to pay for freaking interest and nothing went toward the actual loan. Jerks. I'm paying off loans in hundreds now to have it paid off. DO NOT borrow from these thieves.

On November 10, 2015 I noticed my scheduled payment to Navient (aka Sallie Mae) had not been withdrawn (ACH) from my bank account. I then accessed my online account and seen notices that shown that Navient had not withdrawn money from my account since August. I called the customer service representative number and the csr person provided little help and was rude contradicting herself. She stated it was my fault because I had not provided the correct information. She told me that the reason the money had not been taken out in months was that my bank account was closed. I told her my bank account was not "closed", and never has been and that the money is in my account presently and awaiting their withdrawal. I also confirmed with her that the account information was correct. She told me that Navient had sent me emails about my account status over the last few months.

My fiance's loans are being serviced by Sallie Mae, now reformed into Navient. (A brand-name change in an attempt to escape negative reviews like the one I am about to write.) She has 6 "Smart Option Private Loans" totalling $117k and has to make payments of $1728 a month. Now, they try to sell Smart Option loans as just that, a Smart Option because they advertise that all you have to do is pay the interest while you're in school so you can keep your balance down. But, once you have already signed up and have had the money dispersed, you quickly realize that as a student carrying a full time course load and trying to maintain a part time job, you won't be able to afford the interest only payments.

If I could give a no star rating to this company I would. I went through Sallie Mae to get my loan over 4 years ago. They were great. My payment was withdrawn every month, no harm no foul. As soon as Navient took over, all hell broke loose. They quit withdrawing my payments for some strange reason. After a month or two of not seeing it come out, I called to inquire what was wrong. They couldn't ever tell me what had happened, and said they would fix it. When the payments started coming out again, they were in smaller amounts. This may sound nice, but there's no way I was about to longer to pay my student loan than needed.

I have not received the same type of positive servicing on Student loans through Sallie Mae now Navient as I have with ACS. I am called several times a time, often they hang up when I answer. Navient uses people in the Philippines to call and try and collect. I've complained for years about Florida Metropolitan University and about a loan that never should have occurred only to find out that the student is held to a higher degree of accountability than the schools or the lender?

After 2 years of payments on time every time I was checking my loan balance and it is more now than the original amount, last month I called to ask why and the girl kept trying to tell me it was because of interest. She kept telling me the monthly interest comes out to 170 per month but I kept saying "I understand that but I pay 233 per month which is more than the interest so at least a small amount should be going towards the principal" and she kept saying, "Well no because you are paying interest." She told me, "Well we will put out an investigation and it will take a few days." Within hours I got the results so clearly there was no investigation. No way it could be done so quick.

I have had multiple horrible experiences with Navient since they bought Sallie Mae. I asked about lowering monthly payments while experiencing some financial difficulty. I answered many many questions about my personal expenses, income, etc in order to qualify for a payment plan. I was told I qualify, authorized a direct debt, and thought all was well. Then weeks later was getting repeated calls from Navient. When I spoke with someone I was told that my account wasn't current. I was told that the repayment plan didn't receive manager approval and I was now in default on the payments. They were very unhelpful when I told them I signed up and was told I was enrolled in the program. They said under terms and conditions it had to still be approved by a manager. He said it didn't look like it was submitted correctly. I asked why I should be negatively impacted because the employee didn't submit it correctly.

I qualified for Income Based Repayment with Sallie Mae. I was told that I needed to reapply every year. Navient took over during the first year. When it was time to recertify, I actually made less money than the previous year. I submitted all the necessary documentation, but to no avail. I have not been sent any request for further documentation, but I receive constant calls and emails. This is a nightmare. I owe over $200,000. Sallie Mae and Navient have charged me thousands of dollars in late fees. I will never be able to repay this debt.

I made an automatic payment through my banking online bill pay on 10/5/15. I was on the phone with Navient every other day on my lunch break trying to find where the payment was. Navient stated on every call that they did not receive payment and I needed to send a bank statement. I called my bank who gave me a trace and confirmation # of the check that Navient cashed. I forwarded that information with the bank statement to Navient and it still is not sufficient. Now they want an "Electronic funds transfer transmitter form" which my bank does not have for me. Now my payment is shown as past due when I made the payment two weeks early.

Navient are liars and potential crooks. I am still in school and they are trying to make me pay for my private loans. Their consumers services reps are rude. And they will call you and say you never called them, when you have called them and the calls are recorded. This company really needs to be looked at by the federal government closely, because they are trying to rip students off while they are in school.

I took out a loan a year ago to help pay with school at CSU. I took a year off and they wanted their money back. I have tried to set up automatic payments multiple times to no avail. Navient has no physical records of anything you have done or need to do. My complaint is that I can't even log in because Navient forgot all my info. I have my SSN correct and they confirmed that. When I try and log in I can't because they won't tell me my account number, my "correct" SSN or my login ID. They don't have a single way to get help without logging in and I can't even log in. Very unprofessional. The only thing I get from them is harassing 800 number calls saying to log in and then they don't even help log me in.

They are processing my payments and posting them to the wrong account. They are contacting the Credit Bureaus telling them I'm delinquent when I am not delinquent. Their customer service reps are hanging up on me when I call to make payment arrangements when I'm behind on my payments. Yet, when I mail a payment to bring my account up to date, they are posting my payment to a student loan where payments are not due yet instead of towards my past due student loan account.

I was paying 500+ every month for a couple of years to pay off my student loans that Navient took over about 2 years ago. I paid last month and looked online a few days ago because I had a feeling something was wrong. Sure enough they are saying my account is delinquent and my payment isn't showing. My check was cashed and I have proof from my bank that someone from Navient cashed my check with my Navient account on there. However my payment from October 4 still is not showing up in my account as of November 3rd, so odd. This made me think, how many other payments did not show up in my account. For 1 full year my payments of $500 each month were not posted into my account, that's just the 1 year I looked in, there could be more. That's about $6,000. Are you serious? For all I know my loans are already paid off. I am clueless as to who I go to about this at this point. They are robbing me of my money and I can't do anything about it!!

We are one family in many struggling with Student loan harassment. After one year at IADT, International Academy Design Technology, the only thing my son gained was an enormous debt, no job and no education. The "For Profit" school had a serious lack of qualified instructors, false promises, unethical sales tactics. Their financing office even called family members to push them to co-sign loans, finally calling my son's grandmother and putting her through the guilt session. This has ruined her credit also. What can be done???

I filed for bankruptcy and the attorney notified Navient. During this time Navient charged interest during the filing and when I went to the filing hearing they immediately sent me a bill by email for 1800.00. Even when the bankruptcy judge looked at the bill he responded amount charged was the price of a house 162,000.00 and they continue to charge interest. I have called them and they told me to send paperwork with my income for last year. I did. My bill was reduced for 181.00. I'm retired and barely make ends meet. Customer service is rude, demanding and most of the staff is foreign and you're unable to understand them. I'm 65 years old diagnosed with MS and unable to work. They said I cannot have a medical deferment or eligible for forbearance. Where do I go from here? Even as I write interest is being charged.

Just from navigating through the site, it became very apparent to me that the User Interface is set up to make it very, very simple to make a payment or update payment information, but incredible difficult to get any help. First off, Navient does not really provide customer service and what they do provide is incomplete and very limited in options. I am trying to change my payment due date, and on their website the ONLY thing that has the phrase, "Can I change my payment due date," is an FAQ with an incredibly short answer with no details about how to proceed with this action that, essentially, only answers, "Yes, you can." I tried calling, until I realized THERE ARE NO CUSTOMER SERVICE AGENTS YOU CAN REACH BY PHONE!

You will know you are in hell if you have any dealing with Navient. Tried four times to get account info then called a liar when I complained - I tried four times. Asked for a manager. She basically told me I was wrong. Customer service was able to call me a liar then she hung up. Thanks Desiree.

Last month I called Navient because they sent me a letter stating that I MAY be qualified for assistance (I took that to mean a lower payment), which I didn't trust based on my previous conversations with Sallie Mae (hours on the phone) in which they knew my financial situation yet "couldn't" lower my payment. So I called just to hopefully get them off my back for a few days. The woman I spoke to was friendly and helpful. I was told that if I called them again next month it was possible that my payment could be at that same rate. I agreed. They have called me every day since. And this morning (Saturday) I was told that I needed to call them by 1 pm to discuss my account. I replied that I had already discussed my account and stated what I was told. She again asked for the last four of my social, and I declined. Then she repeated that they "need" to talk to me about my account and hung up.

Even after telling Navient Recovery & Navient of the divorce decree stating who is responsible for this loan - they continue to harass me. They tell me, "You need to pay off, we do not care about what you have." When I try to call them, the phone number rings busy and the letter they sent me states open on Saturday. Calling 1-877-306-1391 & 1-877-550-1382 rings once and goes to busy tone. And when I try calling Navient - they said they are closed. What a hypocrite company!!! They call me all holidays and evening and day in and out and they are closed??? BS!

Access was denied even though I used the correct ID and password. The required information to continue was my full social security number along with date of birth; a demand to adjust my internet security to accept cookies, then I would be allowed to continue. So on an unsecured site is it safe to be posting your SS# along with your date of birth, while decreasing the internet security on your private computer?? Why all of this? I use three different financial institutions online and none of them require SS# or date of birth to log in. In fact they recommended not giving out the above information.

Still attending the school that I have been for 2 years now. I was sent a letter in the mail asking me to start paying starting January on a SUBSIDIZED loan that I was told I wouldn't have to pay until I've been out of college for 6 months. On top of that, I tried to register with them, and yet my account number (the one written ON THE LETTER) was invalid? Also my SSN wasn't even in their online database, so I couldn't even log in to look at the information for deferment. Calling them tomorrow hoping that maybe SOMETHING will be resolved. Even if it does, this should NOT be happening. -1/5 for either outcome.

The worst customer service ever! She could hardly speak English and could not answer the question. When she could not answer it, she dropped the call on me!

If I could rate negative stars, I would. Crooked, invasive, lack of inter-company communication, rude, hold times, lack of understanding is forcing me into financial hardship. Awful, awful, awful.

So, I am not in the country and I go to pay my student loans and the login field isn't showing up on any browser. I tried using a pc and a mac and a smart phone. Nothing. I have been trying for two days. I do not want to call because I am abroad, but I cannot imagine I am the only one with this problem. They are suppose to be a professional company. Now my payment will be late.

I have been trying for months to get Navient to process a forbearance or deferment. I have faxed student loan information, pay stubs and tax information and I have uploaded it to their online portal as well. It's been months and they won't process either one or even tell me if I'm qualified for either option.

These people have been calling at least once a day if not more for months (since April) and they do not understand that I am not who they are calling for. They have the wrong number and after saying several times they'd take me off the call list, I keep receiving calls. I am on the National Do Not Call list and I've told several different people I don't know who they're asking for. Also, they spoof numbers so I can't call them back.

I had 9 loans through ACS who we had been paying, without a problem for 2 years, on time through the income-based repayment plan. Then Navient took 4 of the loans and separated them into 8 loans and raised my payment. I emailed Navient for over a month to no avail. I emailed the White House with my complaint, and they gave it to the Consumer Protection Agency. I didn't think they would do anything, but they have gotten in touch with Navient to find out their side of the story. Email like I did and maybe if enough people complain to them something will get done.

First of all, I was not informed that they changed from Sallie Mae to Navient. This should be a sign that they're crooked. Second, six months later they try to charge me $3,000 of interest (three years of interest!). I got the letter promptly, go on the phone and yelled at them! I told them that I knew what the balance was. Not paying one penny more. ** take it off and btw it was training program, not a four year college. The woman was apologetic, said she sorry and I told her I keep off everything, kept honest or I make another call! Then I found out because of total and permanent disability (psychiatric disorder) that someone in some state paid it off. Told them they tried to put off ten years later to accrue $2,000 of interest extra! Then said "What! I'll have a talk to them!". Checked Navient to make sure these don't pull anything else. It said paid in full because of permanent disability.

My daughter took a loan with Sallie Mae, with my husband as a co-signer so she could return to school. The loan was turned over to Navient. When my daughter was having health problems and couldn't work we paid the loan. This year she signed up with a Student Aid Center and they review the loans and said that they would be consolidated or forgiven. Now Navient after 8 months is telling us and the Student Aid Center that this loan is not eligible because it was a private loan. If my daughter doesn't make payments we were told that the full payment of the loan fall on us since my husband co-signed. My daughter tried for a deferment but that was denied. Navient has called us nonstop and have sent us letters threatening litigation if we don't pay. Navient has been rude and have hung up on us when we try to explain or ask questions.

I contacted Navient loans, formerly Sallie Mae, regarding arrangements for lower monthly payments. Initial representative was quite rude when I told him I was experiencing some financial hardships. I requested to speak to another rep who was kind and helpful. I did get on a lower monthly payment plan. First payment was due in 2 days so I made payment over phone, and received verbal confirmation number besides email.

I have been making payments to my account on time. Direct debit from my account. I receive a notice on my credit report that my account is 90 days past due. Navient has been doing a payment reversal on my account for the last eight months. They failed to provided an explanation for reporting my account past due and I'm stuck with the 90 days past due rating on my credit report due to their error.

I have been dealing with Navient all year. They call me 8-10 times a day, and at all times of the day and night. I am past due on my loan, but as I've told them (many, many times) I do not have the money to pay them. They tell me there is no option other than to pay $50 every 3 months for a forbearance... well, that's not an option for me either. In the mean time, they will continue to call me excessively and completely disregarded my complaint about the times they call me and the fact that they never leave a message. They also told me that in order to limit the calls, I can answer every day and repeat the same information over and over again. It is positively ridiculous, and they should not be able to get away with it!

I was notified by mail that Navient had bought my student loans. They explained that nothing would change and that I could still access my account online. I made several attempts to access my account online to no avail. I called customer service several times and they reviewed my accounts but never made online access accessible to me. Each time I called, the individual was short, rude and unhelpful. I really miss Sallie Mae.

I keep getting calls and emails from Navient saying my account needs immediate attention. They claim I have missed 2 payments when I've tried three times to submit payments. Navient has reversed all three payments with no explanation. I am not being told why my payments are being reversed. My account information is correct and there were sufficient funds in my account to cover the payment. After reading all the other complaints with Navient, I'm in the process of pursuing legal assistance.

I am beyond disappointed and frustrated with my experience with Navient, if I could give a negative 5 stars I would. I wanted to apply for an educational debt program with my work and have been working with Navient over a month to complete the process. Every time I talk to customer service and write an email, I have gotten different answers and no one seems to know anything. Even trying to get a straight answer about when and what time forms were being faxed was a headache. For example, when I received my forms via fax, I called customer service to ask if they can re-fax them because they were not clear and I was told it would be done within 48 hours. I waited 4 days (since it was the weekend) and have yet to receive anything, I'm no computer genius, but I do know faxes do not take days to send and receive.

My student loans were bought by Navient and I have had nothing but issues ever since. First it took getting a hold of the ombudsmen to even find out my account status because no one even supervisors could tell me anything. Then I call in to change the account the autopay processed from... I changed banks... it happens. Navient never processed the request so the payment came out of the old account that had a low balance.

Website doesn't function properly. IVR doesn't function properly. I am simply just am trying to make a payment and can't. I never signed up to work with these people. They bought my loan from another company. If you have a choice, never work with them. This is the most incompetent organization I have come across.

First, all student loans (government) have been outsourced to Navient. I received an e-mail from Navient in late August after the beginning of our new quarter (PhD dissertation phase program) stating that I may begin to make payments on my student loans because of my non-student status. I telephoned to state that I am still a full-time student and not required to begin payback. The Navient representative (NR) asked to have my institution provide Navient with a letter confirming my status.

They purposefully misappropriate my payment every single month. I waste 45 minutes on the phone every month making them correct their accidentally on purpose mistakes. This company needs to go!!! Class action strike - if every single debtor stopped paying they would be out of business fast.

I became permanently disabled after a car accident in 2010. I went on Social Security disability in 2013 and went through the Nelnet complete and total discharge program. In May of 2014, all of my student loans were forgiven. Sallie Mae was handling my loans at the time and everything was taken care of, or so I thought, until Navient took over for Sallie Mae. They are saying I am 472 days delinquent, they call, they write letters, they report me to the credit reporting agencies and Nelnet says they have been sending them all of the information, and I have sent them copies of everything, and still they do NOTHING! Oh get this, they don't have email access? You cannot email them. You can only fax or snail mail them.

Navient sent my loan to a debt collector, Enhanced Recovery Company. Navient refuses to speak to me and tells me I must speak to that collector. The collector will not discuss with me why my balance does not reflect the $2500 garnished from my 2014 tax refund. Also, they had some record of a previous loan I paid off over 15 years ago. I believe Navient should be investigated.

Navient Student Loans did not offer me an affordable payment option. They consider any money left over after paying monthly bills as "disposable money." Disposable money of $150 a month is considered an acceptable amount according to their calculations. Paying the minimum payments on credit cards was their suggestion. They told me,"Why should we lower your monthly payments so you can pay off other debt?" In conclusion, I was not eligible for an alternative payment plan. I will be paying back more than double that I originally borrowed.

CHECK YOUR MONTHLY PAYMENTS, INTEREST RATES AND BALANCES! DO NOT TRUST THIS COMPANY!!! I've been making student loan payments for 13 years without a late payment. I've had everything set up for automatic withdrawal and never an issue. I went online to Navient in April 2015 to make a large payment in an attempt to get close to a $0 balance. The payment went through without issue.

About 6 month I find out about ECMC online advertising help for those that own student loans and I called because it said that they will pay the full amount if I qualify. I am on disability for mental illness and I can't work anymore. I explained my situation and they ask me for a medical records even my medications and I did it all, that cost me $75.00. I fax all the information and they told me that I qualify for a full amount pay loan at no cost. It was too good to be true. I keep calling ECMC because after that never heard from them again.

I'm in the middle of closing on a house, which the mortgage company is basing off of my official student loan payoff. This matter is obviously time sensitive. I requested an email to be sent to me, formally for the pay off of my student loans (8 loans total). I was told the email could be sent in 1-2 bus. days. After 8 days, no emails, I had to call and request the loan pay off emails to be sent once more. 1 bus. day later I got an email to review the pay offs but for only 2 loans.. not 8.. So I had to call again, and request the last 6. They sent only 4... Then I had to call again!!! And request the last 2... and the 4 days pass and no response. I had to call again and get the 2 Fed. Loans I've been waiting on. So here we are- 17 DAYS IN TO THIS AND THEY CANNOT GET IT TOGETHER.

I consolidated my loans when I graduated with Citi. They were bought by Sallie Mae and subsequently Navient. Do NOT consolidate with this company. They refuse to work with you to get your payment lowered. Last year I was eligible for the income-sensitive repayment, but it is a FIGHT every year to get them to actually process your application. You have to call daily and demand to speak to supervisors and you still get nowhere until you are literally screaming and crying in the phone for answers because the payment was hiked up to $200-$300 when they have the application in their system.

A loan was paid off on April 4, 2008. On January 1, 2013 we received an invoice for this loan showing the full amount of this loan. By mistake we paid $2,707.87 on this paid off loan. The original amount was $3,500. I called them to correct the matter. Well, I have talked to so many people. They pass me off to a supervisor every time. No results!! They have no idea what I'M talking about.

My daughter has student loans in which I was a cosigner. She pays on them but cannot pay what they want. She tried to get my name off but they insisted that I start paying if she couldn't make whole payments. They wouldn't work with her and I'm on social security now and can't. They wanted all my bank info but I refused. They have been calling my house from 8 am-9 pm every day for two weeks nonstop and don't say anything. She can only pay what she can but that doesn't satisfy them. I'd like the phone calls to stop. Thank you for your time and patience.

Navient wants customers to use the online services yet they call and harass me every hour over payments when I simply use the online services.

I have been paying on my student loans for 13 years now, never been late and never missed a payment. I originally consolidated with Sallie Mae when I first graduated in 2002 and qualified for the interest rate reduction benefit, lowering my interest rate by 1 percent. Last month I applied to have my payment lowered, based on income, it was approved. Today, I receive a very vague letter in the mail from Navient. The two sentence letter caught my eye when I read, "no longer eligible for the consolidation savings benefit because we did not receive your loan payment on time." I immediately called because in 13 years this has never occurred - never been late or missed a payment. This was confirmed by the phone rep. Navient informed me that my interest rate would be increased by 1 percent for the balance of my loan. I explained that I mailed my payment on time and I would go to the bank and get proof payment was made.

I attended Full Sail University for not even a year last year. I put in for a transfer and told me student advisor I could not sign my name. So it was processed anyway as a dropout. But then all of a sudden in July-August, Navient starts calling me everyday and sending me letters. Come to find out, I suddenly have "Subsidized and Unsubsidized" loans adding to almost 10k. I never even talked to these people to begin with little alone take loans out with them. I didn't even sign anything with Navient. All I had was a couple grants and FAFSA.

I would give them no stars! I called twice to set up lower payment plans, they wouldn't help me, told me I was refusing to pay which I was not. They said it's not their problem, they were rude, insulting me the entire time. I reassured them several times I want to pay the loans and they will not help me. They said I'm delinquent 2 days. They call me and my mother 10 times a day. When I asked if the call was recorded in case I need proof, they told me yes but sometimes calls do disappear so there's no guarantee. I would not go through them for anything at all. I asked why his customer service skills were unprofessional, he told me he's Collections and customer service skills is not required and to deal with it. I am now in the process of going with another lender and paying off Navient. Absolutely a joke. I'm surprised they're still in business. This cannot be legal. Something needs to be done! I've never felt so harassed or degraded in my life!

I hate this company! They are the definition of incompetent! Every time I have to change something or discuss something, they always get it completely wrong and then start harassing me with tons of phone calls and emails. They never apologize and treat me like I'm the one causing the problems. Someone commented how their payments were going to the wrong loan, I had the same problem. I've been overcharged on many occasions and they can't figure out how or why. They doubled my month payment (which my original payment was already very high), I ended up doing a deferment because I couldn't afford. In order to adjust my monthly payment they need to see my finances so THEY can tell me what I can and can't afford! I know what I can afford and it's not what they are trying to charge me. Every time I have to deal with them my blood boils! I am trying to consolidate my loans with another company because I need to get away from them.

I received a grant through Americorps of around $5,800. I was also told by Americorps that they would pay all of the interest between 9/4/2014 to 6/26/2015 (this would be separate from the $5,800 that could be applied to the principal.) Instead of getting a consistent read on the interest, they told Americorps that the interest that accrued was significantly lower than what they told me on the phone weeks earlier. Instead of having the freedom to apply the grant money however I wanted on my loans, Navient applied the money however THEY wanted to, including using money that I wanted allocated toward the principal onto the interest, too! I've been dealing with trying to clear this up for months, and they're still giving me trouble!

It's very hard to find a number where you can actually speak to a representative. I have written by snail mail to them requesting an application for IBR. No response! I have eventually spoken with a representative requesting a paper application for IBR to be mailed to my home. I have been waiting for three weeks. Nothing... I am beyond disgusted with this company and their attitude. Lousy way to run a "so-called" company.

We are the co-signer on this student loan. We had an online account set up, month after month the payment gets kicked back. We call in to make the payment and it's always a half hour or better giving them information over and over. Then when you try to make the payment they give you a hard time. I have asked for the actual loan paperwork 3 times which we still have not received. This is the worst ever.

They changed account numbers to two separate accounts. We had no idea until the harassing phone calls started. >10 ten calls a day. We spoke with them and asked if late charges could be removed due to the fact that they change the payment account number and the entire payment went to one account. The answer was NO. And the calls continue; can't wait for them to get the check.

Servicing of student loan debt has decreased considerably since Navient took over from Sallie Mae. For some reason, in July 2015, they started "reversing" my payments, despite the fact that I have used the same checking account for deductions for 8 years. At first they told me it was my bank, but when I called my bank they advised there was money in the account and Navient never tried to make a deduction. So, when the payment is reversed they start harassing me and I have go on and use a credit card. No one there knows how to correct this issue.

I was sent a letter and tried to make arrangements based on the letter I received. They ask me when I can make the payment and I give them a date but they can't accept because it has to be by Friday, which is in three days (and isn't even the end of the month, which is Monday, and I'm trying to explain I can make the payment on the 4th).

I have been getting harassing phone calls from these people 5-9 times a day. I have asked them numerous occasions is there a possible way to lower my monthly payments because I cannot afford to pay what they require, especially with my other student loans. They have stated, "No, the lowest it can possible go is where it's at." I work full time and have student loans up to my neck. Is there any possible way to lower payments for any one these companies? I feel like they have have taken advantage of high school & college students. How do they expect you to live, eat, or even get to work? Why they want so much money?

Navient threatened to garnish my wages and would NOT allow me to set up an affordable payment plan. I made my mother, uncle and grandmother information eligible so a Lady by the name of Lorry ** could verify information with them as to my financial status and maybe make a settlement with Navient. The lady Lorry was extremely RUDE and misleading and lied to me and everyone she spoke with saying we only had three settlement options for my private loan. First option, $9,000 up front to squash the loan. Second option, two $4,500 installments one month apart. Third option,(this is where is got deceiving) $4,000 down and then two years of $100 dollar payments... but she never mentioned that after the two years of $100 dollar payments every month I would still owe $8,990. She strong armed my Grandma into paying the $4,000, because Lorry told her my job was in jeopardy.

Husband is retired - fixed income. Trying to move/downsize. Lender told us that the loans @ 8% & 8.5% knocked our lending amount by almost $100,000! Contacted Navient to lower interest rate. No way, no how. Impossible to work with.

After I paid the minimum monthly fee, Navient pulled my credit and my credit score was dropped after we made arrangements for the payment. This customer service did not have knowledge about any of my private loans being pulled off my credit. Very unorganized and disrespectful. They are charging me 10 percent loan interest and yet pulling my credit after I make the payments.

I am contacting your office regarding an initial student loan consolidation that my loan servicer received notification on 11/14/2014, and that was completed on 01/15/2015, and then processed as an Income Driven Repayment application on 02/19/2015. Since my income was less than what I submitted at the time of the initial application, and since my 2014 Federal Income Tax Return was not available at the time, I sent proof of taxable income received in the form of current pay stubs. When the new consolidated monthly payment figure of $167.50 was sent, I requested a recalculation since the new consolidated monthly payment figure was based on income earned based on 2013's Federal Income Tax Return which reflected $12,010.00 dollars more in income than 2014's Federal Income Tax Return.

I called Navient about my daughter's student loan payment which was due on August 13th. I told this girl who said her name was KC. I asked her for some help and she was a point 0. My wife is in the banking business for at least 30 years and she keeps telling me that Navient is a horrible lender to deal with. Please help me!!

I am looking for a Payoff address for this company, unable to get a straight answer from Navient. Finally got 2080 Cobot Blvd. West Langhorne, PA 19047. I looked it up online and call the Realtor on the property, Navient is not a tenant. I pass the information to the bank I applied for the payoff loan with. Hopefully they could get better results. Stay Away. Horrible Company.

My daughter asked my mother (her grandmother) to co-sign for her nursing school loans. My mom being the loving, caring woman she was, co-signed for her granddaughter. My mother passed away in Feb of 2013 and my daughter has since graduated nursing school and is working at a local hospital. Being the executrix of her estate as per the will I am to sell her home and split the proceeds with my sibling. Well while getting executor papers I decided to look on my counties computers regarding my mother's estate. Much to my surprise there is a lien on mom's house to the tune of $20,000 from Sallie Mae. I immediately called Sallie Mae (Navient) to ask what was going on. I was shocked to hear that according to their terms of the contract, when either the primary or co-signer on the loan dies the entire loan becomes due immediately! Are you kidding me!

I applied for student debt forgiveness a couple of months ago and it was granted. It was suppose to apply to ALL of my student loans including NAVIENT. This company has chosen to either ignore or blatantly disregarded that fact. We have tried communication over the phone before but that ended quickly with little to no success. Much like all the other complaints... Let me know when this class action lawsuit began because it's coming.

I rehabilitated my loan, at which point it went to Navient. They sent me a notice so I contacted them. A representative who was polite and professional took my call and I made a payment. They told me I qualified for deferment and that they would send me paperwork. What actually happened was entirely different. I was locked out of my electronic account, then got a notice that I had selected a paperless option, then I received notice my monthly payment had increased well over 1000%. I was lied to. I cannot log into my account using my SS# and birthdays, and I cannot register because it already exists for my SS#. I am trying to do right by my loans, but Navient has proven dishonest and unethical.

Extremely frustrated and disappointed that there is a company out there like this!!! Paid off my entire loan balance only to find out the payment was reversed back. The reason I was given when I spent 35 minutes on hold with Navient "I have no idea". Please make sure to keep track of the payments that you make as they could just end up floating around. Unbelievable that as hard as we work to put ourselves through school, in the end when we do good and pay off our loans like we are supposed to do, we have to deal with this crap.

I have been paying a student loan to Sallie Mae now Navient for over three years, and the principal never decrease. Although I wrote them a letter that; my additional amount should be forwarded to my principal, but they never did. It seems like when Sallie Mae transfers my account to Navient, they did not transfer the correct balance of my account. Also every month, my balance payment on a $12,400 is getting higher. I need help to solve this situation.

I co-signed a student loan for my son Steve **. He refused to repay the loan, the interest rate is 13%, I am paying the loan back monthly because they started to ruin my credit. I was told that if I paid the loan for one year straight I would be able to remove my name, however when I called back one year later I was told that I will have to pay the loan for 2 years before they would even consider removing my name. I asked for a rate reduction and was told that I have excellent credit so they would not reduce my interest rate, bull, they don't care and in the business of ruining lives, stay away.

I have made my payment for over ten years on time. I called in to see if there was anything available to lower payment because of a hard times. I was told there was a payment plan that would start off low for 24 months and increase after that. I was told (not by Ashley, but the first rep I spoke to on July 2) my payment would be a hundred and something a month (sorry don't remember exact amount).

I have tried repeatedly to get a discharge because of disabilities and ongoing health problems from Sallie Mae. Having been turned down several times after have forms signed by physicians and supply other documentation which I have copies of, I just received a decline again from Navient for supplying to them my SS disability reward letters and an older application signed by my doctor. Now I am faced with spending another 3,500.00 dollars for a disability review because they won't accept the present one. This will not guarantee a discharge and I can't afford to do that at this time. If I could I would be paying a monthly payment to them. My daughter is missing another 12,000.00 dollars she paid on hers to Sallie Mae that as of the moment cannot be accounted for. My only recourse is to sue Sallie Mae, the AI of Colorado and any other entity associated with this loan. I will do so if I have to hock everything to get it done.

My husband has been rewarded social security disability, and has reading and writing disabilities. With that being said I filled out and took care of our FAFSA and Parent Plus loan. I have been informed that our loans cannot be considered for disability forgiveness due to my info being primary. I asked about his income not being considered for income driven repay. I asked about how to proceed to file for other types of loan repay. I was informed to go to studentloan.gov print out the consolidation forms and fax our income information. This is based upon the backpay and ss disability being reported on our adjusted gross income and that is not current accurate income. I did so and was told I did not fill out the appropriate paperwork. I filled again for consolidation and promissory note. I did not bring our tax return over, completed the forms and faxed our income again.

A few months ago I got my loans re-financed and so I called Navient in order to pay off my loans completely (you need to call to make payments over 10k). I called, and obviously after a long horrendous wait to get to a person, I paid off the pay-off amount for my loans. The woman even congratulated me on paying off my loans. I also got a check in the mail for over-paying, which I deposited.

Navient cannot tell us the true history on our loans. They seem to have made it so complicated we cannot understand if the amounts are correct or if they have capitalized the interest to double the amount we originally owed. We want to know what is the accumulated interest and what were the original loan amounts. They don't seem to be able to tell us.

Before Sallie Mae was taken over by Navient, I had made 5 years of payments on time with no late fees assessed. When the account fell under Navient I made my regular scheduled payment and later in the month a $34.00 late fee was assessed by Navient due to a review of my account previously under Sallie Mae. Since then I've made 3 payments that were made online two days before the due date but they didn't post the payment until 3 days later which resulted in yet another $34.00 late fee being assessed on the following month.

Never informed they would be taking over my loans. I spoke with 2 different people on 3 separate occasions. I was told I would be receiving some paperwork. I never received it! They say I'm 2 months delinquent. What? Now possible default!

THIS IS RIDICULOUS!! I thought I had some issues with Sallie Mae over the years, but it barely takes the cake to Navient. First, if you can EVER GET THROUGH TO SOMEONE in this place, they'll most likely be incredibly rude and give you anything BUT customer service. It's astonishing! The representatives are SO RUDE!!

I've never paid on my loans and now why would I? Navient is not the federal government. They have the government contract but they are not the department of education. If you look at your credit report it says the date that they will stop be recording so don't make another payment ever. Change your phone number and send a do-not-contact letter to Navient. By law they can no longer contact you. They will try to call you still but you will get no more mail. You send a form letter to them certified mail and you never pay ever. As soon as you pay or talk about paying with them you just added time to how long they can ruin your credit. I had most of my loans charged off except a few because they chopped it up into like 20 different loans - now it's down to 2. I complain via my credit report dispute every claim. If there's no response it goes away.

They make "servicing errors" which then come back on me. Like many, I have gone through the various companies, now ending up with Navient which simply continues the mistakes of inept employees and the tradition of terrible customer service.

Navient is my private student loan servicer. I have tried many times to try and get Navient to work with me concerning my paying my student loans. Navient is very, very rude. Instead of working with me, they started talking to me as though I'm a child by telling me what I should have bought or what I should not have bought and that I'm trying to live beyond my means and how I haven't been paying my bills. I do not think that is none of Navient's concern. Their concern should be how can we work together to get my student loans paid and paid in a timely fashion.

My student loans were discharged because of my total service-connected disability. Navient continues to show $2,400 on deferment. They won't talk to me, Dept. of Education (who discharged the remaining balance) says I need to talk to Navient. First off no one there speaks English, and secondly they remain ignorant of what I am saying. I want this off my credit report!

I made my final bankruptcy payment in Sept 2014. I started receiving calls from Navient May 2015 whom I have never heard of. My school loan was thru Sallie Mae. I thought I had paid off my loan thru my bankruptcy but according to my lawyer the student loans don't get paid off. So no problem I'm willing to pay them. I talk to a Navient rep whom claims to be the manager of my account and wants me to pay 3 months worth of payments at that time. I asked her to "pls send me a bill in the mail and I would gladly pay it", she said "no" and wanted to give them access to my bank account to withdraw from every month. I told her "I don't feel comfortable giving out my bank account info". She basically told me I had no other option.

I worked 15 yrs in collection agencies. Fair Debt & Collection Practices Act has guidelines that Navient disregards. They refuse to use my permanent disability paperwork OR negotiate payments on my Social Security Disability income.

I have student loans that were transferred to Navient from Sallie Mae. Recently over the period of eight weeks, when payments first became due, I applied for and was granted a forbearance/deferment and auto debit arrangement and made a payment. Received notice after another week that approval was reversed because payment was reversed. I again spoke to a rep who again took payment after whole process was set up and approved. Again payment was reversed and they said I was sixty days late. Have always used same bank and same account number. Problem is after contacting my bank, they stated attempts were never made and then, after speaking to reps again and again over the course of these weeks, could not reach a supervisor who could help. They are simply not reachable. Now credit score is fifty points lower and am still trying to speak to Navient.

I have called repeatedly in the past and today regarding my payment plan and both experience have resulted in disconnection. Frustrated with their customer service and the helpless feeling of not being able to resolve anything! Feeling ROBBED and left out to dry! Is this what the federal loans want of their young Americans?!