Navient Reviews

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On November 10, 2015 I noticed my scheduled payment to Navient (aka Sallie Mae) had not been withdrawn (ACH) from my bank account. I then accessed my online account and seen notices that shown that Navient had not withdrawn money from my account since August.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?!

I was on a reduced payment plan with Sallie Mae after my divorce until I could get on my feet. In the past, Sallie Mae was always reasonable to deal with. When they changed to Navient, suddenly my payments went up and the representatives at Navient had no explanation. Being a single mother, I was barely getting by making my payments and often depended on payday loans to feed my son, which only made matters worse for me. My ex-husband left me with nothing and I ended up with some serious credit card debt, some of which was left over from our marriage. I wasn't able to make full payments and eventually fell behind.

I am actually trying to repay my loans under the category based upon my finances. Every single month my bill went up. Every single month I'd have to call and put up with the bozo that didn't have a clue about anything yet promised everything. I go to pay my bill and again the amount has been increased. I spend another hour on the phone to be told the last rep didn't input the information correctly and that's why my bill is $200 more than what I was promised the previous month. Month after month of THEM screwing up, and yet they won't give me a break because I planned for x amount of money only for them to lie again and charge me another outrageous amount. If I lied to a customer's face like they do month after month, I wouldn't have a job. Navient is a scumbag company. Don't waste your time.

I have absolutely had it with this extremely rude, uncaring monsters. They called my best friend who was living at my house at the time because, they said, her address was the same. When my friend told me I was so mad. When I called to ask them why they called her they said "well I thought maybe it was your dad's girlfriend." "Really? Why on Earth would you make an assumption like that? Is that not illegal? Is that not harassment?" "Well you need not worry about that and need to start paying your loan. Can't you ask your dad or your family or friends for help? We gave you this money when you needed it and now you have to pay it back now!"

Am trying to knock out my Navient loan by making extra payments to the principal. I called and gave the woman at Navient my credit card information and told her I wanted the extra payment to go to the principal. She said "No problem, it would go on the principal." I called 2 days later as I saw there was no payment listed so called Navient, got a man who said payment is pending on credit card and entire amount would go to principal. Got online and see where they split it as usual with part of it going to principal and part to interest. No one seems to be able to fix it.

I have nearly 100K in student loan debt with Navient, from loans that were originally taken out with Sallie Mae, and then transferred to Navient without my consent when the company split. I am currently finishing my last year and a half at Columbia University, and am in school full time pursuing a biochemistry degree, as well as working unpaid in a research laboratory for needed experience to get into grad school. I am unable to work as much as is necessary due to the 40+ hours a week that are dedicated to school and lab work, not to mention the cost of living (rent, bills, food, etc.). Last year I made under 20K, and still barely managed 5 hours of sleep a night. I called Navient to ask if they could either lower the monthly payments, postpone them until after school, or put them in forbearance for at least a few months so that I could try to find a solution.

I have been actively and aggressively trying to pay my numerous amount of student loans off each month. I have noticed that I would pay my loans on Tuesday during the morning/noon and I will receive my confirmation of payment minutes later. My issue is that for the last few payments, my account is charged an interest rate based upon my pre-payment balance for the 3-4 days after I have already made my monthly payment. Navient is thus increasing the total amount I'll end up paying over the next few years because of their delayed payment processing system. I have been paying using the same account for the past couple of years - the delay shouldn't take four days to complete the transaction. The interests rate should be frozen until a transaction is completed. I do plan on seeking legal help. Navient - unjust.

I am a mother to 2 small children, and work full time. I have been harassed by Navient, for the past few months. I've been involved in battles with some of their collectors to the point I've broken down in tears screaming at the top of my lungs begging them to stop. They have been rude, and call non-stop. They have even reached out to someone who is not my husband to his work place customer service line. Asking for me by name, which that alone is embarrassing.

I have consistently been paying my student loans every month, both federal and private. I always pay my student loans at least a week before it's done. When being switched over to Navient, I ensured that I followed their instructions and set the billing payment through my bank correctly. Address for federal - Check. Address for private - Check. Scheduled to be delivered electronically prior to the billing date - Check. All was good. I then check their website after the payment posted prior to the due date and notice that both payments were applied to my private loan and that I didn't have to pay anything for the next month. I then check my federal loans and nothing was applied.

Wow. Make sure you save every single document they send you, as well as take screen captures of the correspondence page on their website. I logged in today to do just that, only to find documents dated in May that WERE NOT there before (funny how the details I needed and I had not received were suddenly right there). Had I known, I would have taken screen captures of their site earlier. It's too late for me, but I just wanted to warn others of this extremely dishonest practice.

i made every attempt to make payment when I could. I have 3 student loans. Mine own and one on behalf of my son (parent plus) and two of my own. Because the student loans were 'merged' I was think I was making payment on my personal loan but I was making payment on the Parent Plus unbeknownst to me ignoring my loans and as a result acquiring negative marks on my credit which lowered my score by 200 points. Keep the settle, assist me in repairing my credit score!

I have a Sallie Mae student Loan that I took out when my oldest boy was in college at the University of Delaware from 2004 to 2008. For the last 7 years I have paid a monthly amount of $300.00 for a loan value of $50,000. I work as a consultant in the Financial Services industry but I have been out of work for about 8 months and I have been receiving harassing from collectors at Navient: Matt ** & Mr. ** Tel: 855-881-9333.

I recently graduated College in February and I have been trying hard to find work ever since. I got a letter from Navient saying that my payment would begin on August of this year. Within that period, I got married, moved, and have not yet changed my residency or mailing address formerly with the US postal service yet.

Since I started school in 2005, I have been with Sallie Mae. When they switched to Navient, that's when things started to fail. Sallie Mae was no better, but at least most of the time they were helpful. Navient harasses you day in and day out with numerous calls, on every line you ever own, even if you didn't give them your number. I recently had to deal with a particular rude caller by the name of **. He would be rude and nasty saying that I needed to settle with them or be sent to court.

I have had my Navient account in forbearance for last 2 years. Now I lost my job and called them to ask for complete income-driven repayment plan request. Their best answer was me to log in to Navient website to apply. Indeed I have been trying to log in and link with irs so my 2014 tax return can be submitted via their website. Guess what, I have been trying this last 4 days. It kicks out, can not link, same all answer from Navient call center rep, and all other bs. Still I am lost. Meanwhile, my interest is keep accruing. This is so frustrating.

I called early in 2015 to get assistance and lower my payment. Instead they raised it. Then when I couldn't afford the new higher payment over $100 more than my original payment they said I would be in forbearance. I said this was their fault so they said it would cost me to have the error corrected but I could not get assistance. This place is unreal.

I enrolled in a loan recovery rehabilitation program with Pioneer Credit Recovery. We set up the account and made arrangements to make my first payment. I was told to call back with my credit card number. Within twenty minutes I was back on the phone with them. They informed me that Navient-United Student Aid Fund had just pulled my account back to them because the account was in default! Well, that's why I was making arrangements for payment. I called Navient, got passed around to several people. Some put me on hold for 20-25 minutes. I got no positive results. I still have a defaulted loan with no remedy. Also, not one person could give me any information on who to complain to. They are robots, cattle. They all read the same script over and over. No concern for people.

I called Navient mid-May to pay my forbearance fee and bring my loan current, since I had missed two payments (April & May). During that call, I was told that I couldn't make any changes to my account until the payment posted. So I called a few days after that & the representative was still unable to assist me in making certain changes to my account, which would make my repayment plan more financially affordable. So on June 5, 2015, I called and spoke with another representative who seemed to be very knowledgeable about my loan and the different options I had to lower my monthly payment. I was told that I could enroll into a two year interest only program, which would drop my monthly payments to a reasonable amount and I agreed.

I have been calling them for two years straight trying to get a statement from them. They still have not sent one to me. I'm just sending my money every month and I don't know my balance. Can someone help me?

Navient is already taking one third of my after tax income towards my student loans. In addition, I found out they were charging me late fees when my loans were in forbearance. The staff there refused to take the fees off and now I am suing them in court. They should be ashamed of themselves for what they are doing. They are horrible people.

I made the mistake of getting a loan through Sallie Mae back in 2001 for I believe roughly 15k. I paid on this thing for years and got the balance down to $1,800 and ran into financial issues and stopped paying in 2011. One day (about 6 months later) I get a call from my payroll department saying that a collection company that worked for Sallie Mae was garnishing my wages for the remaining amount of $1,800 which would be paid at $300 a month for 6 months. I kept in touch with the collection company and was told once the balance was paid off it would be removed from my credit etc. I never received a "paid in full" letter but took the collection rep at his word that this was resolved.

I took out a loan for my daughter to go to school in 2005 for 16,000 and now the collection agency is horrible. I paid and they reported it to my credit as a charge off and claim they did not then I have been trying to keep my credit good but since this my score has taken a nose dive and I requested a letter. They said it would be sent by fax and mail and I am still waiting for it to arrive. Then a person calls me to tell me that they sent in the information to correct my credit and now it's up to them to correct it but if you never messed it up why are you correcting it. I really am so irritated with them because every time I call they treat me like my account is past due and I am paying on time and don't have a payment due until the end of July and they don't care about what bills you have. They are ruthless, dishonest people who always make a whole lot of mistakes.

Navient is horrible. They lose your paperwork and blame you. I FedExed them info and they said, "Well, we never got it." I said, "I'll show you my return receipt in which you signed." "Well, we don't know what we signed for." Complete idiots. And the federal government does nothing. DO NOT USE NAVIENT.

I am paying Navient every month for a loan that was in default. I was sick when the repayment began. I made an attempt to pay something. I was on disability and during that time made only $638 weekly. My husband was retired and his pension with what I made was helping us survive. When I got better, I was sent to a collection agency. The agency made an agreement to take money from me and told me it would apply to my loan. I have been paying them since 2012 and the amount is not being displayed as a payment on the account. I can not get a balance because I was told they cannot reduce my account by my payment until it is paid in full. In the meantime, Navient has that I am behind 19 payments even though they are collecting my money. I do not even know how much money was reduced or How much money I owe.

Navient and Sallie Mae are the worst company one could ever deal with. My loan has only increased while with them and they are inescapable. They call constantly claiming there are helpful programs for struggling people like me. But when I finally give in and speak to them, I am told nothing can be done for me. I get conflicting information from different reps. I was told to pay $319 to keep my file from "escalating" and I did, even though I couldn't afford to do it. A week later I got a call from a new rep (my old rep is gone) saying my file has escalated and I owe over $1000 now. I was also told by old rep to wait a month to reapply for program I was denied for (no explanation for it, just called harassing me as usual and when questioned about it, said I was previously denied). New rep says that was wrong and I should have resubmitted docs right away. My loans are unmanageable and make me want to die. Navient needs to be shut down.

A week or so ago I started receiving phone calls looking for ** so and so. There is no one I know or am related to at this residence. I explained they had a wrong number. No problem they would remove me from their system. I get calls day and night. I even called them at their customer service two different times and both times they said I would be removed from the system. I finally blocked the number because they persisted in calling me. So what happens? They call from a different number still looking for **. I was not polite this time and I'm sure I dropped the f-bomb numerous times hoping to offend someone enough to do something. I've blocked the latest number but I'm sure they'll call on another one. This company is so inept they shouldn't be allowed to be in business. I would recommend that no one get a loan through them. I sure wouldn't.

Navient is guilty for providing me with misleading information regarding my repayment plan application. It has been over 6 months and they have not been able to process my Repayment Application. I strongly believe that they are giving me the run around to continue collecting interest on my student loan. Every phone call I make to them is terrible news. They give me different information every time I call to check the status of my application. In two occasions, they stated that the application was incorrect after other representatives had previously stated that everything was ready to be processed. Very disappointing!

Sallie Mae changed name to Navient. My info from Sallie Mae was not transferred to Navient. Never received late notices; but reported to credit bureau and my credit score suffered: my credit cards limits have been reduced. Unfair reporting.

They report negatively to the credit agency and then when you call and put the loan into unemployment deferment, they will not fix the credit reporting for 7 to 10 years!

On May 7th I called to see about having my payments reduced. I was told that I would qualify for Pay As You Earn, but that to get that type of repayment I would need to consolidate my loans. I was very clear and asked if consolidation would affect my progress towards my Public Service Loan Forgiveness (as a teacher in a title one school my loans are forgiven after 120 on-time payments of which I had already made roughly 48 payments) and I was told it was not. I did the paperwork with the customer service agent on the phone to make sure everything was done properly.

My student loans were reduced due to income. My loans over the years have gone from one group to another. They finally went to Sallie Mae and during the process of going through the process of getting reduced payments my loans ended up with Navient. They called. I explained my income and of course here I go again going through the process and paperwork for reduced payments. Here in lies the problem. Everything has to be uploaded to their website. I have tried numerous times to log in, then I get a notice saying I have to set up a pin. Ok fine did that. Now I can go in and get everything taken care of. Wrong answer. Have to wait 24-48 hours for pin to be accepted.

Today I called Navient to ask why my interest rate went from 5% with Sallie Mae to 6.88% with them. I have never missed a payment, my credit score is above 720 and I have not asked for a forbearance (apparently any of the three will give them permission to gouge you with the rate). The representative asked me those three questions and I had her verify that I was correct on all three with nothing changing on my side. She calmly said that it is the rate now and that it was not going to change.

My daughter has been trying to payoff her college loan however Navient has been incapable of working with the bank to actually have her payments noted. She has spent countless hours on the phone trying to fix this but to no avail. I actually tried to have my address changed with an agent only to find out after speaking to another agent that she had not done this. Also, you should only have to provide the last four digits of your Social Security # and your birth date for identification. Some agents will not talk to you unless you give them the full social number. Overall their agents and management are completely untrained and incapable of providing any decent level of service.

I was on the interest rate reduction for the past 2 years and made payments to on account every month. Sallie Mae changed the name to Navient and they are the worst to deal with. It was a big mistake to have Navient take over my loans. They do not want to understand your budget and what you can afford. The interest rate from 1% up to 5%. The payment is too high for what I earn, and only one person working in the house. I want to make payments but I need to live. I have to pay for my living expenses over student loan payment. The customer advocate depart. does not do anything but listen to what you are saying. I do not where else to get help? I recommend to anyone to run the other way when Sallie Me or Navient is mentioned.

I absolutely hate using Navient. Since they've switched my loans from Sallie Mae to Navient there has been no help from customer service. I can only call on my lunch break (so 1 hour, Mon.-Fri.) and then on Saturday -- AND I LOVE HOW THEY'RE ONLY OPEN 4 HOURS ON SATURDAY. They are not open Sunday. Basically, they designed their departments so that the maximum amount of time will accrue before you can have anything resolved. This is meant to wear you down while your balance goes on accruing interest.

I paid Navient the remaining balance of my student loan on the 21st of May (over $100,000), using the wire transfer information which they provided. As soon as the SWIFT payment was made (electronically), the money was taken from my account and applied to Wells Fargo's - with whom they have their account. Incredulously, my money has vanished, as it has not been applied to my account.

I've had a student loan through Sallie Mae for past 15 years. They switched to Navient and now dealing with them is a total nightmare! I was told that if I paid my 'minimal' requirement consistently for 12 months, they would drop the interest rate. I did so, called back and they said they didn't have any record of this 'verbal agreement' and that they don't do that. The operator then said they can offer me that if I now paid consistently for 36 months. I asked to speak to the supervisor who then said they don't have any offers to change the interest rate. There seems to be a huge inconsistency with their internal staff and policies. This 'free for all' business practice model deserves the inevitable class action suit.

I've been struggling with student loans for the past 13 years due to some very poor legal advice from a slothful attorney - but that's another story. Miss Sallie Mae Navient has called me on several occasions after being told by me personally, "Do not call me anymore!" This was said in no uncertain terms. Violation of the fair trade act of this nature may seem trivial to some but when you're trying to concentrate on resolving your financial situation you don't need the additional stress from someone violating the law. This is kind of lite-weight compared to their treatment of 77 year old mother. She had co-signed a loan for my brother. The loan was paid in full. They began to call my brother some time after the loan had been paid. He had misplaced his documentation to verify this fact but shouldn't the lender have this information.

I consolidated my loans with the Direct Loan Service of the Federal Department of Education. They sent my loans to Sallie Mae for servicing. Then last year in 2014, they switch my account to Navient. I am on the Income Based Repayment (IBR) plan. During their switch they sent me an email that said that I had a document for review in my account with Sallie Mae. I never saw the request and the request never said what it was for. Supposedly, it was a notice for me to reapply for the IBR payment plan. I never saw this request.

I was contacted by a company in Florida (will write a review on them shortly). The company was supposed to consolidate my loans, have me placed on IBR of 0$ for 300 which was to be reduced to 120 months because I am a public servant. Well, the company lied to me - THEY instructed me not to speak with my loan holders. I signed a power of attorney for them to have control over my say with regard to my loans.

I took out a private signature student loan with Sallie Mae a few years ago and was recently notified that Navient would begin servicing my loan. That was the beginning of all my problems. I've kept the loan in good standing and have used in an school forbearance as I have continued my education. Navient has recently sent me notification of my loan going into repayment, despite me being enrolled in school full time. Representatives of the company began contacting me about my loan balance, and I informed them of my enrollment status. The first representative I spoke with told me that although I was in school, my deferment status had ended because I exceeded the 48 month deferment timeframe.

Navient is terrible lender. Will not renegotiate your terms even after you've humiliated yourself asking for mercy because you were unemployed during a terrible recession. Very judgmental and pushy to minorities in my anecdotal experience. My wife has had a horrible but a less judgmental experience with them which I can only assume from the fact that she "sounds" white and American born. My accent seems to make the difference. I'm from a really poor family in Brazil that lives by the motto: we pay our bills on time - always.

I used my bank's 'bill pay' system on 05/14 to pay off the remaining balance of my final (2) loans through Navient and it still hasn't been processed into my account. My bill pay process usually takes approx. 2 days for the check to be cleared and the amount deducted from my Navient account - but now it's been 14 days. I called my bank and they said the money has been sent and it included my Navient Acct # and everything.

My son and I send 2 checks monthly to pay on student loans originally with Sallie Mae. Numerous times, I instructed them to apply one check to one of the loans and the second check to the other. Never completed correctly. When I would call, my call would always go to India and I would have to wait up to an hour to be transferred back to the US. I got disgusted and quit calling. Navient took over the loan. We pay monthly with the statement - I received a check back one time with a letter stating that we paid the wrong account, then I obtained online access and realized that another payment in April was misapplied.

I have not been able to view my accounts since my Sallie Mae loans were moved to Navient. There seems to be a policy that if your account is past due, you can't have your online account restored. I call and have them process the payment over the phone and then find out that it takes 7-14 days to process the request to access my account. Thus 50% of the time the account will be passed before the 14 days are up. I can't go online to check that payments are being made correctly. I can't pay my bill online. In my line of work, it is very hard to make a call during business hours.

I have been trying since December 2014, to get them to send me documents concerning fraud, yet all I keep receiving are promissory notes. I am going to put a complaint on my credit report concerning this. This company is the worse.

I currently have an interest only payment schedule for my loans. When I can, I make small payments, sent with a letter with specific instructions on how I want the payment allocated - always toward principal and always toward the disbursement with the lowest balance. I recently looked at how the payments were allocated and I noticed the principal payments were not being applied, interest was being paid. I also noticed my auto payment was different than the amount on my bill. Additionally, because I had paid off a disbursement in full, my most recent bill was lower. I sent 3 separate emails to Navient via their website with no contact. I called today and was put on hold for 30 minutes while they "researched" the problem.

My son's original loans (which I co-signed) through Sallie Mae from 2008 and 2009 were 8.25% and 10% interest. When the economy improved I found out they were approving new loans at 2 and 3% interest rates. I called and asked to have our interest rates reduced. They refused. My son paid for a year but then could do nothing else - live on his own, own a car, etc. The payments totaled $600. If they had reduced the interest, the payments would have been half.

In April, I reviewed the student loans. I saw that by comparing the ending balances from Sallie Mae to their new servicer, Navient, that the new balance was higher. My account showed a bunch of small "adjustments" totally over $200.00. I called, however, no one understood my question. Speaking with another rep or supervisor was not possible. So, I will write to the States Attorney General. After reading everyone else's horror experiences, I am not going to anguish myself.

Okay, so it seems as if everyone on here complaining has has had a payment increase issue with these folks. I started out with Sallie Mae then was moved over to Navient. I'd been paying the agreed amount on the Income Base Payment plan for the past year. I even had it set up for automatic bank draft every month so I wouldn't forget. I'm very serious about paying my bills/debt. Everything was going well until last month I try to swipe my debit card for food and it gets declined. I check my account and Navient has sucked me dry by taking nearly $900 from my account. (Keep in mind my normal monthly payment was $54) on top of that I was issued bank fees etc bc of the transaction.

Student Loan repayment request - I am a single parent, recently just found employment and called to get on an income based payment plan. Representatives I talked to did not want to hear anything, kept talking over me and were not willing to listen to me. Filing a complaint with Consumer Financial Protection Bureau.

I have had my student loans with Navient since they reverted from Sallie Mae. I have had trouble ever since the transition. I have always paid my loans on time since graduation in 2005. I never had problems with Sallie Mae. But for the last 3 years, I have had nothing but problems with Navient. At first, my payments kept increasing when I was enrolled in the salary repayment plan. Customer service has always been terrible. I was told that my payments were not supposed to change and that they did not know what the problem was. 8 months ago, I filled out my yearly salary paperwork for the reduced payment plan. It took me 6 months to get the correct fax number to send the info. I was given 6 different fax numbers over this time and was told by ** (aka **, **, **, etc) that the number was correct each time.

I had a student loan with Sallie Mae which was transferred to Navient. After explaining to them that I HAD NO MONEY TO GIVE THEM, they still didn't care. They called me 5 times a day looking for the money that I just didn't have. My college education was useless to get a job and I was barely making minimum wage at the time. I missed 8 months worth of payments because I literally could not afford them. Did they care? No. They jacked my interest up to 6.8% and told me to go ** myself.

Cannot log in to my account to do anything! Customer service is extremely rude over the phone.

My story is almost identical to ** of Branford of Connecticut... Navient continues to report me to the credit bureaus after they charged off my account. They guaranteed that they would stop negative credit reporting and give me a 0% interest (reduced interest program) if I: 1) put $1500 down and 2) agreed to a payment plan, which I did with their collection agency. That was 2.5 years ago and 30 payments ago. I have had no late payments and have had no missed payments. I have done everything I was told to do in exchange for false promises. Navient is still making derogatory reports to the credit bureaus and they have yet to fulfill the promise of bringing me to a "current" state on my account. According to their reports, I am 19 payments late and have an amount of $2,611 past due. I have called over 30 times and have gotten nowhere.

Recently Navient altered the way private and federal loans are processed, such that the payment address for the private loans was changed. As such, my February payment was misapplied to my federal loans and my account for my private loan was reflected as "past due" despite Navient having received my money in their accounts before the due date. Upon discovering this in March, I was able to correct the problem with Navient. I was assured the payment would be re-applied to the correct loan and the payment date would reflect the date on which the funds were received. In May, it appears the payment for February still had not been re-applied due to an error on the part of Navient.

I had worked out a plan in Jan 2015 to be on an IBR. Somehow, the Navient CSR messed up and did not enroll me correctly. He had enrolled me into a forbearance of some kind. Come April 2015, Navient started taking close to 400 a month from my account without my permission. I called, which they are VERY hard to get a hold of anyone to help. I get the money refunded, told the automatic debit has been reversed, and was told to call back to get back on a rate reduction program. I call and call and call. I cannot get anyone to help me. May rolls around, they debit my account again, ILLEGALLY. Currently in the process of trying to get it reversed AGAIN!

For 1.5 months I've been trying to get a document mailed to me and I keep getting told the correct one is in the mail… Well still waiting on that, but I've gotten every document possible that I didn't ask for. In calling to speak to not 1 but 2 supervisors, I continued to be lied to. Today I called for a manager, was on hold for 41 minutes, late to work, and hung up on before getting a manager. When I called back on my lunch break I wasted another 15 minutes to be told there's no manager, oh and their managers don't speak with customers. Seriously… Just save yourself the headache and don't use this company.

I returned a phone call yesterday 5/14/15 14:50 to Navient collections department. They inquired when I would make my next payment and I informed them that I was seeking a disability waiver and they told me that it could not be done. It is a scam.

In January 2015, I discovered that a payment was not posted to my account. Contacting Navient, I was informed by a letter the payment was found and would be returned to my bank. Five months later and I'm still looking for my payment to be return. They now tell me they do not return payments and they would be happy to post it as a payment. They haven't done that either. I don't know what else to do. They basically took my money and decided they would not post it as a payment; just as extra money I sent! Are these people crazy? I don't know what else to do.

I have been having issues with Sallie Mae/Navient for years. They will lie and fine you for things that make no sense. They will call your grandmother and threaten to take her house. They will call you on Sundays and at three in the morning. I have paid every month on time, and they still call and harass me. They won't let me take a break from paying my loans because I'm back in school because, "We don't offer that option." Even though I'm back in school full time. They are evil.

Amidst all of these complaints - we are the same. It is a giant scam. Do not give them access to your bank account. They will seize funds regardless of your payments. They lose them. They cannot process IBR's - it is terrifying that we are suddenly in the shark infested student loan waters. Does anyone know how to initiate a class action lawsuit?

I have tried to contact Navient several times regarding the start of repaying my education loan. I received a payment due for May 26, 2015, when I just graduated from school April 3, 2015. I have sent them emails using their online site and have not received any response. I am aware all college graduates have an automatic deferment of 6 months after graduation, before repayment begins. I will be enrolled in graduate school at that time and cannot get anyone to answer me correctly by phone conversations as well. If I do not pay I will likely be in default and the company seems not to care. Like most other postings here, I never had any problem with my private loan with Sallie Mae and continue to pay on that loan to this day.

Navient emailed my previous employer, without any consent of mine, personal information. After speaking to at least 7 Navient CS agents, it is still occurring. I have asked to speak to a supervisor and I have disconnected or hung up on. Major violation of my privacy.

I was trying to pay off my remaining balance on my student loan with my zero interest credit card and because it is a credit card and not a debit they will not allow it. Now you can make a payment with a credit card but not pay off the loan. They would rather keep charging consumers their interest than have the loan paid off. Horrible policy and customer service.

For the second month in a row the auto-debit that I've had for years has failed. I changed my bank account a few months ago while in a forbearance. At the time I went to the Navient website and updated my account information. When I came out of forbearance, I watched the for the debit to happen to be sure it did. It failed. I was hit with a delinquency note on my account. I called and was treated rudely by customer service. I payed the amount due immediately but they refused to remove the delinquency note. I ended up getting a call from a person calling them self a manager; they confirmed my account, took my bank account info and confirmed it was indeed already logged in the website.

I've had student loans with Sallie Mae for years, six of them in total, three subsidized and three unsubsidized. Recently, these loans were switched over to Navient (thank you, Congress, for giving me this nightmare just so some Navient bigwig can make a few million bucks then send you money for your campaign). I never had a single problem with Sallie Mae. My loans were on deferment since I'm a teacher and I recently began paying off my unsubsidized (high interest -- thanks to Congress again) student loans.

I used to have Sallie Mae school loans and they switched the school loan to Navient. They said I was setup for automatic payments, and out of the blue after 3 months the payments stopped. They never told me and it put my account in default and reported it to the credit bureau. I contacted consumer service multiple times and they said the payment was paid over the phone which it never went through because they messed up the account information with the old account on file. They never said it did not go through and they put that I was 60 days late, which I would never have been if they told me what was happening. Never believe a company and always check your online account to make sure the payment comes out of your account. I am reporting them to the BBB if they do not remove the late statements on my report and correct it on their end.

Why is this company calling me before my first payment is even due? It's due the 10th and I have every intention of paying it tonight when I get home from work! Leave me alone!

I took out two small signature loans with Sallie Mae in 2005. The terms - including number of monthly payments and interest + principal - were fixed. I made regular payments in 2007, 2008, 2009, 2010, 2011, 2012, 2013 and a few payment in 2014. In 2013, I demanded a copy of my payment record from Sallie Mae. AT that time, I had overpaid by $700. The Sallie Mae customer service agent said that none of my payments had been applied to my fixed principal and interest payments because the loan had "converted to a revolving line of credit". I disputed AT that time, I had overpaid more than $800. I demanded a payment record but never received one. In 2014, I was contacted by Navient, who had taken over both the private and federal student loans. An additional payment was made in 2014; however, I renewed my demand for a copy of my payment record as the online account did not reflect any payments prior to 2014.

I can't list the number of frustrations I have dealing with Navient/Sallie Mae. I moved overseas and despite being able to take automatic payments from my account, they no longer can do that with a foreign account. I am unable to log into my online account to make payments there and in the past I was unable to use my foreign debit card to pay my bills. They finally have my correct address after giving it to them repeatedly. I used to be able to make payments with them via a secure chat however Navient seems to have disabled that service. Now they expect me to call them internationally to try and reset my access online.

On February 10, 2015, I made a payment of $2,500.00 to Navient using the account number listed at the top of my login page. Today, May 5, 2015, they still have not applied that money to my student loan. I have contacted them 8 times regarding the issue and am given a different explanation every time followed by the promise that the money will be applied to my account within 10 days. I am now contacting my lawyer to begin legal proceedings.

I was a customer of Sallie Mae for numerous years and all of a sudden, I started receiving my bills from Navient. I continued to pay my student loan as I didn't want to in default. I then noticed my balance had increased from $8k to $10k. After much scrutinizing and going back through paperwork, I come to realize that when Navient had acquired my loan from Sallie Mae, they increased the interest from 4.** to 5.**. This increase has cost me $2k in charges. When I called Navient to ask about this, the person on the phone played stupid and said it was illegal to do that and the interest was the same amount as I had been paying. Of course they would not let me talk to a supervisor either.

In 3-22-15 I applied for an income driven payment with Navient. Navient never confirmed nor let me know that I needed to submit a 1099 and my loans were going to resume at the current rate. Navient says that the loan balance must be due before processing my income drive application. I clearly can't afford to pay 750.00 at the moment and my other lender has granted me an income driven payment. I resent my information to them and they have basically ignored it. Per Navient I don't qualify for forbearance temporarily. I am looking to see what I can do to get it processed. Their customer service is 3rd world and they can't communicate in English too. So frustrated but I need to come up with a solution quickly.

I was with SallieMae since 2003. Paying down large school loan over 200,000.00 down to about 140k in the last year. Last summer I switched to direct automatic payments with SallieMae before the switch to Navient. Navient took over loans last fall. At first I received a barrage of emails telling me to make payments when I was on automatic payment already, so when I made the requested payments according to the email, I overpaid the month. (They collect payment on the last day bill is due to maximize interest)

My son had agreement back in my 2010 with FMS in writing to settle 26,500!!! He paid automatic every month for 5 years. They start calling about a year ago asking to make a new arrangement. I ask how much, FMS says 12000. I said 3,500. They say "put it in writing". I do they tell us exactly what to write... Then 4 days later they say not approved. They say "ok continue paying", which we always did anyways and they took it every month. So this past November they say "How about settle for around 10,000?" I say "Don't have it". They say "Can you do 7,500?" I say "No, 3,500". They say "put it in writing". I did then deny again two weeks later and say continue to pay....

Hi, I have 3 undergrad loans that totals 110k now due to interest and late fees. I made an arrangement with SMS after years of not being able to pay the $700 a month loan Sallie Mae was asking me to pay. This arrangement to pay $200 a month was made about 3 years ago and I paid with no problem because they just took it out of my bank account every month. Unfortunately, the $200 was only paying part of the interest and none of the principal and now SMS sold the loan back to Sallie Mae (now Navient). Now Navient wants $5500 down payment to continue the arrangement and I don't have that kind of money. They want me to ask my “friends and family” and I know they don't have that kind of money.

I implore anyone who may have to get a student loan in order to receive an education, to stay away from Navient. I set up a payment plan to repay my private student loans managed by Navient and have the payment automatically debited from my account every month. Today I logged into my account only to discover a payment due over $200 more than what I had agreed to. Somehow, late payments from 8 years ago suddenly appeared on my account. So, this was an additional $200 on top of what I already agreed to.

After years of making monthly payments and months of dealing with Navient and their collections company FMS, they (Navient) agreed to a settlement amount which I paid on March 24, 2015. I was informed that I would have to wait 30 days to receive a 'paid in full' letter from Navient as they required a 30 day hold before sending the paid in full letters. On April 20, 2015 I received a phone call from Northstar Collections Company stating that Navient put my account into collections for the full amount and never noted anything about the payment agreement for settling my account which was paid on March 24, 2015. I have been going round and round with the escalation team at Navient since receiving the collections call from Northstar.

Navient continues to report me to the credit bureaus after they charge off my account. They then said they would stop negative credit reporting and give me a 0% interest if I made payment arrangements which I did with their collection agency and have adhered to them for over a year and they still make derogatory reports to the credit bureaus. I called and called and called the agency and never ends and was lied to over and over and over again. I am now reporting to the state's attorney general and apparently there will be a 20/20 report. ** and I will be a star. I will take them down brotherhood and sisterhood that.

Spoke to Navient call center reps Jan, Feb and Apr 2015 regarding in-school deferment status. All call center reps could do was say that their records indicate that I'm not in-school. So I ask the rep to access the National Student Loan Database and am advised they don't access and another department validates student in-school status. So I ask for a manager who says the issue will get resolved and to look for an email because I won't receive a callback. Now I get a notification alert via email that a delinquent notice will be issued if I don't pay immediately. So I just emailed advocate@navient.com since several other customer seems to have issues with Navient customer service like me. Hopefully the issue gets resolved. We'll see how many more payments I need to make before Navient resolves this issue. Navient customer service is so bad!

Navient thinks it's OK to call me repeatedly regarding a **, in whom is of no relation to me!!! In untold instances I've requested that Navient remove my number from their records and to stop calling me!!! I even sent them an email after my requests were ignored: I am writing to ask you for the last time to remove my phone number from your records. I have been harassed by telephone representatives from Navient trying to collect a bill that is registered to a name like ** (I wrote it down phonetically) but the phone number in your records is incorrect. I have repeatedly explained to each rep that has called me that the phone number you have on file for this person is incorrect.

I can't go into detail because of an open complaint that I filed with the Consumer Financial Protection Bureau. Predatory Lending: loan practice pertaining to disability. Telephone Harassment: repeated phone calls and practices. If you have complaints about Navient, file a formal complaint with the appropriate consumer protection agencies, both state and federal agencies. The only way to stop their practices is to file a formal complaint. NOTE: Before you file a complaint review your loan application, regulatory rules/regulations and all laws, both state and federal that are pertinent to your situation and address each one. Complaints MUST be specific; generalized statements such as "they call me too much" won't cut it.

When I was contacted by a representative to consolidate my student loans. I was told that my loan of X amount would cost me over 2 time that amount after interest (pretty common sense) and by consolidation, my loans would be grouped into a flat rate slightly higher the X but without interest saving me 10's of thousands in the end. The representative had me link a credit card to automatically pull the payments when needed. What I wasn't told was once they get their money for the service fees, they would no longer pull the money to cover the student loan payment causing me to go 3 months without realizing my student loans were not being paid.

I was a customer of Sallie Mae and on forbearance before the switch to Navient and from reading all these reviews, apparently my nightmare has begun as well. My other school loans are on IBR and I've been trying to get my loan from Navient on IBR. It seems like the request is going in circles. Now I have to submit a second IBR Application, copy of pay-stubs and a letter attached stating I can't afford to pay the payment they have for me. Someone is not doing their job in processing IBR Requests. Living on my own and having one income can be stressful.

The servicing of my federal student loans was transferred from DLS (which may be a governmental entity) to Navient last year. Navient's website is abysmal for a customer to use. You can't designate which loan to make an extra (i.e., not required monthly payments) payment to - you have to call their unfriendly customer service staff. This can only be a mechanism to try to dupe customers into paying lower interest rate loans at the same time as high interest rate ones, rather than putting payments where any customer would obviously want to put them first.

I was told by the fed lending services that Navient is really Sallie Mae. Sallie Mae had to change their name because they are in some legal trouble. Things are a little better with Navient. When they were Sallie Mae they wouldn't send me my bills and told me I was late. When you log into Navient it asks if you are a Sallie Mae customer or Navient. I had Sallie Mae so I clicked Sallie Mae and can't find any info on my Sallie Mae account.

I called Navient because they kept sending me the same information on my statements. I did not understand why nothing changed from month to month. I asked them about the balance on my student loan and they told me my balance was $9,662. I asked what my original loan was and she said $9,500. I asked what interest was charged each month and she said about $30.00. I am paying $99 each month.

Since April 2011 to present, I have made auto deposit from my bank so have not missed any payments. I started off with Sallie Mae and Navient took over w/o me knowing. But since the acct # was the same, the payments were being made successfully every month. It turns out they had raised my minimum which I didn't know about so every month I was getting late fees (since I set up the auto payment for 1 full yr at a time) and they started to mess around with my credit. I called them and paid up all the late fees and brought my acct to current and requested in writing that they clear up the late charges from my credit history. Their response: "Our research has concluded that the information we're reporting to the consumer reporting agencies is accurate and that no corrections are warranted."

Been a customer of Sallie Mae since 2002 with a starting loan of 45000 and in 2015 7000 remaining. Approached Sallie Mae 2 years ago and Navient today to release of my cosigner based on my payment history. I have always made my payment on time, NO LATE PAYMENTS and on both these occasions these illiterates who can't speak english tells me one payment was posted 2 days late which I am not aware and not my mistake if what they said was true. I feel this is a new tactic of theirs for denying my request.

I had been an customer with Sallie Mae for over 20 years. I had applied for deferments while in university and had no problems paying my loan off. Since then I applied for another loan with Sallie Mae and like most of the aforesaid members I too was switched over to Navient. I have been fortunate and have a side job that helps me pay my loan. What I found out was my payments were not being applied to my account accurately and in some cases to someone else's account. In order to have my payments placed into my account I had to find all my receipts some five months past and send this to them. Thankfully I keep my receipts because if I didn't I am quite sure Navient would have refused to credit my account... This happened twice. What is going on with Navient?

I am lucky in the sense that I have enough income to make two separate payments to my student loans a month. However, Navient's website makes it impossible to efficiently make that second payment every month. I make the minimum payment that is fixed by Navient and pay it before the due date every month. My second, additional payment is towards my loan with the highest interest rate (I have 13 loans). Instead of keeping all the information the same (i.e. monthly minimum payment due and payment due date), when I make that additional payment it pushes that one loan's due date forward, and affects the next month's minimum payment total and allocation!!!

I agreed to a settlement with Navient’s Collection Agency for a lesser amount owed on my original account. I unknowingly made a payment the day after the agreement on the actual loan through Navient thinking this payment will go towards the settlement amount with the Collection Agency. I WAS TOTALLY WRONG- Navient took the payment I made and the Collection Agency took the full settlement amount. I am not for sure if this is even legal since Navient tells me the amount paid to them is non refundable. No one is able to help so I'm guessing I should just cut this as a loss and continue figuring out how to get by on $50 for the next two weeks.

In the short time that Navient has been servicing my student loans, previously serviced by Sallie Mae, I have experienced several issues with their customer service as well as their online system. While Navient employees are generally very pleasant on the phone, they rarely give me correct information or actually understand simple questions. After not receiving my Income-Based Repayment documents because they were only sent to me via Navient's website correspondence, I requested to have paper statements for my Department of Education loans. A month later, I never received a paper statement and when I called to inquire about this, they said my account was still set to receive email correspondence only.

Navient is a predator. They offer private student loans at high interest rates. I pay approx 8.75% on my student loans and an exuberant amount. I called to work out a solution on a rate reduction. First they agreed and weeks later they changed their mind. I requested they cancel my auto-payment because they wouldn't honor the rate reduction so they agreed and the following day they illegally withdrew the money from my bank account. My goal is to refinance my student loans and never work with them again.

In 1/15, my payment went from $333 to $750. I didn't get a bill. I just noticed that money was missing from my account. On 2/16/15, I called to request a lower payment. The (lying) representative told me that I was eligible for the income sensitive repayment plan and that my payment would be decreased to around $320/month. Per her instructions, I faxed an income sensitive repayment application along with proof of income. They said they didn't get it. I did the same a second time, and they again said they didn't get it. Finally, I uploaded the documents on their website, and they received them. After several days, I called to see if the new payment amount would be reflected on my next bill. I was told that I was not eligible for a reduced payment because I had only 11 months left to pay on the loan. HUH? I then talked to a (lying) supervisor who said she would reduce my payment regardless of the 11 month rule. She didn't.

My original student loans were serviced by Sallie Mae, and when they switched over to Navient I was not given a choice in the matter. I am still CURRENTLY IN SCHOOL finishing my Master's Degree - my school has verified my in-school certification and FedLoans (other loan servicer) has verified that they can see that I am on the "In-school" list, which is the same list that Navient continues to claim they cannot find me on.

The less you have to do with these idiots, the better off you are. I feel for anyone who has to deal with this outfit. I seem to recall getting a notice from SM talking of Navient taking over and something along the lines of "receiving the same great service we got from Sallie Mae". Anybody who dealt with them knows their service was anything but good, and Navient is no better than its predecessor.

I have requested several times in the past (when it was Sallie Mae) for a breakdown of all payments made, including when I signed over checks from my school for overpayment. They never send me the info. I believe the overall amount of my loans are more than what they should be. Also I have requested my name change 4x and they do not do it. This last time I sent in the request with other info and they sent a letter back saying my documentation was illegible. It was a copy of my license how is that illegible? They have by far the worst customer service ever!!!

As with many others, recently my student loans were "being handled" by Navient and no longer Sallie Mae. I have been on an IBR for the last two years trying to pay back my loans. This year Navient has been trying any reason to ignore my IBR. Automatically, as of January 1st, they removed my IBR and started charging me the full payback. Not more than 2 weeks into January I started to get the harassing automated messages to contact them. No mail was sent to me saying my IBR would fall off that soon. And it has not before.

On November 10, 2014 it came to my attention that 2 payments were missing from my Navient account; they had not posted payments made on September 9th and October 10th, both in the amount of $350. I submitted an online contact form. On January 23rd, I received an email response said they had no record of my payment with directions to fax a copy of the EFT record from my bank. I faxed copies of both transactions immediately, noting the implication for my 1098 form. On February 10th, I followed up with a phone call and spoke with a supervisor who said they would contact Sallie Mae to investigate and I should check my account in two weeks. I did, no change.

We originally took out loans for our son through DLSS. They switched to Sallie Mae and finally Navient. I have faithfully made interest payments since the first loan taken out. Navient recently tacked on additional $1200 of "capitalized interest". Basically, the loans accumulate monthly interest. What is not paid on a monthly basis gets added to the loan quarterly and you pay interest on top of interest. I contacted Navient several times and get the run around. They say they have no proof of payments prior to them getting the loans from Sallie Mae. I had hand written records that I went over. Again, they stated they had not record of this. They state they also do not have record of who originally dispersed the loan. I am now required to print out several years of bank statements and upload them to their website. However, their website has no way to do this. I asked a supervisor to call me back and this never happened. Someone recommended I contact the Iowa Attorney General's Office. I will do this. Navient is so dishonest.

I have made numerous payments to close my account with Navient during the month of March, 2015. However, although my banking records show that electronic payments were received by Navient they refuse to update their records. Therefore, my loan continues to accumulate interest. I have spent numerous hours writing and calling their offices with proof of payments with no responses to my emails, hang ups to my calls and when you do get someone on the phone they honestly DO NOT know how to handle these calls.

So Sallie Mae or Navient, whatever they call themselves now uses illegal practices for contacting you. They call my cell phone 10 to 15 times a day with a robo caller and basically tell me I need to either push 9 to talk to someone or to call them at some number. There are times where phone calls are just minutes apart. Found yesterday when logging into their site that they had changed my preferences to how they may contact me on my mobile phone. I changed it back but they continue to use the robo call practice.

In December 2014 my payment somehow was redirected to their Dept of Education division. I called in January to find out what happened and was told they did not receive it. Their customer rep subsequently told me in January 2015 that they will refund me after I uploaded a copy of the cancelled check. I called in Feb and was again told that my check will be refunded. It's March 25, 2015 and today when I called, their rude rep told me the check was sent to old address of mine that I had not lived since 2010. I had updated my new address in their system in 2010. This goes to show how disorganized this company is and how undetected fraud and errors that cause untold pain to many of their customers. I will just pay off my balance and rid myself of further headaches.

I was on an income based repayment plan. All was fine until it expired. I didn't received notification until March 11th and they withdrew the regular amount out of my account on March 10th. Was able to work out receiving my money back and there was no warning that if they didn't receive my updated application for the IBR plan they would withdraw my money again. They took out yet again the same money on the 16th. Calling to sort it out again also saying that I faxed my documents in they said they cannot refund my money because it would cause my loan to be delinquent although they already did that on the 10th.

In December 2014 my application for Disability was approved by Nelnet. Nelnet had sent Navient the debt in October 2014 (2 months before the deadline date of 12/1/14) then Navient began notifying me of the debt. I called Nelnet and they sent a request to Navient in January 2015 to return the debt. Navient neglected the recall and began billing me again in April 2014. Nelnet told me to get a first and last name and work email address from Navient so they could directly recall the note. Navient refused. Can I sue Navient for attempting to bill? The government is clear about it's prohibition on billing for an already discharged debt. I understand I can sue for 3 times the amount of the debt.

After successfully completing my graduate courses, I was contacted by Navient 30 days after. I was fairly compliant with the requests they made, and informed them I would have to put my loans in deferment. They informed me it would be a $50 fee for this and I successfully paid. The very next day, I received another call from Navient saying that I needed to pay $50 to put this in deferment. After explaining what happened on the day before, we both realized it was a mix up and I paid the US Dept of Education and not them. So, I informed them I was out and would call when I went home to make the payment. The lady on the line said, "Well I just need you to pay this $50 now". Then, I hung up the phone.

My student loans were previously with Sallie Mae and now have been transferred to Navient. For the past couple years my payments have not been applied correctly. The current balance stated on the website is the same as the original balance. The customer service reps are no help because they themselves don't know what's going on with the accounts. Navient needs to be held accountable for its crooked actions.

My daughter and I have experienced the same types of problems with Navient. Their collectors call us everyday and refuse to listen to what we say, rather they repeat the same thing over and over again as though they do not hear us. I'm beginning to wonder if they are even human. The main problem is that they say we owe them $106,000.00. They say we owe this despite my notifying them that these loans have been consolidated with another lender. I have faxed, emailed and mailed proof of documentation of the consolidation with the other lender. When I attempt to follow-up on whether they received the documents, they then tell me that they have never received any documents from me and further state that they have no record in their computer of ever even talking to me. This same scenario happens over and over again....like ground hog day.

I just looked at my loans on the national student loan database. I am really upset. How is it I only had one loan with Sallie Mae for just 3,500 and now they say I owe over 24,000 dollars. I would get calls from them every two seconds. They say I am in default, but I have to make a certain payment amount to get out of default. When I call them and tell them what I can pay, they say "You can pay what we ask for." I told them I have other bills to pay. I am trying to consolidate my loans now, but Sallie Mae won't send them the information they ask for. So if they won't send it, I guess They won't get paid. When you call them or they call you they are very rude. I had to change my number because they were harassing me so much.