Navient Reviews

We have set up payments several times over the years to still be harassed by calls telling us the payments the last operator set up are incorrect. They cannot supply any paper billing at all or information about the original loans. I am sick of worrying about when any of this might go on our credit reports not to mention the interest being charged adds up to a home mortgage! They ask for financial statements of accounts but only consider rent, lights and gas in determining repayment options or lowering interest rates. JUST SICK of Navient and Sallie Mae before that!

I've been paying my monthly payments on-time every month... and of course, now that my income has dwindled over the past 4 months, Navient doesn't want to hear it let alone work or even talk to you about it. I'm not trying to get out of paying off my debts, but I simply cannot afford a payment that skyrockets from $235.00 a month to $884.00; a month after my loan was transferred from Sallie Mae to this company. So, I just pay them what I can now... and I make my own payments... they call 6-10 times a day from 3 different numbers and leave no messages.

Like most of the people who posted, I too have had horrible happenings with this company. We called to get a simply pay off statement for both loans. I want to warn you, they want screw you over. I'm not going to kiss and tell but make sure whoever you are working with to refinance your student loans or home, you get them on the phone with you. Do not delay on this. I called six days in advance to getting on a conference call. I called a total of five times. My husband emailed twice from the account. I finally broke down in tears as they broke laws pertaining to state and federal laws. Mostly my right to commerce aka take my business elsewhere.

It seems like after I graduated from college, employers began avoiding me. I fell onto hard times, and applied for an unemployment deferment. My deferment was approved, and I was not due to start making payments until August 2015. In November, a company called Navient, which I had never heard of began contacting me stating that my student loan payments were due in January 2015. Of course, I laughed, and let them know that my loans were deferred until August 2015.

I am currently in graduate school working on my MBA in Public Administration, yet I consistently receive billing Invoices for payment due. When I receive these e-mails, call the Navient Customer Service Department and information them that I am still in school working on my MBA thus, by law I am not entitled to pay my student loans until I've completed my Degree. Each time I am told by the customer service representative that they will update my records accordingly yet it happens again the following month. I don't know about anyone else but it seems that ever since Sallie Mae became Navient it has been a totally nightmare. I pray that the Department of Education is in tune with the Students and do something about Navient this terrible.

First, the consolidation got held up for 8 months due to a loan they had, but insisted another company had. Then I called to cancel the consolidation and it completed a week later. I had already resubmitted the consolidation and chose FedLoan as the servicer. They completed a consolidation a month later, but Navient only released two loans to them despite the consolidation list being correct and the funds being sent, then returned. Likewise, FedLoan correctly completed the IBR payment calculation, but Navient did not, despite me verifying it on the studentloan.gov website. I cannot get any explanation from either company what went wrong and I just resubmitted my IBR again.

On January 23, 2015, I mailed Navient a check for $69,000.00 as full and final payment for loans incurred from law school. The check was deposited on January 30, 2015, endorsed by the US Department of Treasury, but Navient is still sending me delinquent notices. On February 18, 2015, I discovered that even though the check was payable to Navient, had my loan number in the lower left hand corner -- the Department of Education allegedly deposited my check, funds would have to reimbursed to me... and I would have to wait 4-6 weeks to be reimbursed! Meanwhile, interest is continuing to accrue.

This company has the worse hours to call, they are not helpful. For some reason it takes over a week for any of my payments to transfer even if it has been arranged for months. They now have two of my loans so I have to make two separate payments for each on each month. They told me I don't make enough money so they lowered on payment, and then just increased the other so I was paying more than before. If Sallie Mae can just change the agreement, why can't I, if they can trade my loan, why can't I. They changed to Navient so they could increase their profits through kickbacks from the government because it looks like they are being progressive with student loans and making one company that focuses on it. Now I am way worse than I was with Sallie Mae and I have no rights.

After reading many of the reviews about Navient I felt I had to write one also. There were too many reviews that I related with. My payments on my student loan are ahead of schedule. I constantly try to pay down the principal with small amounts (after my monthly payment is made). I was told the extra amount above my payment goes to future interest, not principal.

I was always dissatisfied with Sallie Mae. My original loan debt with them was about $50,000 and 6 years later it is close to a combined $140,000 due to fees and interest. They finally put me on a payment plan I could afford and it automatically is drafted from my account every month. I have done this consistently now for close to 2 years. Even during this time they would send me emails and leave me messages my loans were past due. I finally called and spoke to someone and the messages were far less after that.

There are borrowers who made payments and were told by Navient that it wasn't paid. Then there are those of us who made a payment and were told nothing was due the following month because we paid TWICE the previous month - online and by phone - I've never made a payment by phone! I pay on the same date, every single month! What a joke. If this has happened to you, keep paying every month regardless of what they are telling you. Either it's a scam or one day someone with a brain will figure it all out and demand the money along with late fees and even more interest.

I have been paying on the loans since 2013, and not one payment went to principal. The money has been going all to interest and I have a 0.01% interest rate?The balance of 30,000 dollars and some change has never changed. They say I'm 33 payments past due and they take it out of my bank account every month. They will not even think twice to fix it either. I called multiple times and no luck. And to top it all off, they reported to my credit that I never made a payment with them for 2 years.

They must have a requirement for all call center employees to be as rude and judgmental as possible. I called to set up payments on my private student loans and the customer service agent was extremely rude and judgmental. He asked me why I purchased my car and that I should have "bought one I could actually afford". He also asked me what I was going to do about my financial situation. When I asked him to clarify the question, he asked why I wasn't trying to find a better paying. I thought this was so rude and out of line so I asked to speak to a different representative. He transferred me to a supervisor named ** who wasn't any better. Once he got me setup with the payment, ** said he was going to put the rep back on the phone to finish the call. I told him I really didn't want to speak to the rep again and since I requested to speak to someone else, could ** just finish the call.

Son has 3 loans with Sallie Mae, when they split into the Navient they screw up my payments, would send 2 to Navient and one to Sallie Mae, per the addresses they provide me. Well all the payments I sent to Navient were getting credited to the one Sallie Mae account. I called them and they said I had to send them proof that I sent the money, and to up-load the cancelled checks. Went online to upload documents as they told me to, but there are no options to upload the docs on their website. Called again, had to explained the story 3 or 4 more times to different reps. They kept on passing the buck around to different reps.

I was having major issues trying to set up an IBR. I called customer service several times and every representative gave me a different answer. I was officially fed up after getting the run around for two months and called the student loan ombudsman. He gave me the Navient advocate number 888 545 4199. I spoke with Brittney, who was very knowledgeable and helpful, and my issue was resolved promptly. Don't bother with the other numbers.

Navient's Loan Sharking. I took out a college loan from Sallie-Mae for $2,134, and had been paying on it regularly. Without notice Sallie-Mae was sold out to Navient, who are demanding a repayment amount of $4,630.87. How can this be legal?

I had issues with Navient in the beginning. I would send them a little more than the amount I was suppose to send. But it says on their documents that if you send a higher amount they would change your due date. But you would have to notify them at their correspondents department which I did. But they moved my dates up and started telling me that my payments were late and that they were adding late charges, etc. So I called every consumer entity that I could find to fight them because I had not been late with one payment. What worked? At the bottom of one of their correspondence is information to contact the Dept. of Education in DC. I complained to them, and wha-la. All harassing letters stopped and they said I owed them no late fees. So check the bottom of your correspondence and call that consumer affairs number that is provided in DC. Good luck.

I have fees that are unexplained. I have asked about them and still do not get an answer. I have constant trouble logging in, my name continues to be misspelled and I do not believe they read the documents I send them. Who can help? I know I did get an education to be treated like this. It's like you are being punished for being poor and having to get loans to get a degree or degrees.

I explained in January my situation financially and they were very understanding. Was told not to worry about the payment until March. I get a call today and I'm told no such call ever occurred. That I need to give the money now or the account goes default. I explain to this woman how my health has been terrible and I'm taking care of myself so I'm not working as much as I usually do. She told me she has to take some type of payment today. So I pulled up my account and all I can give right now is $30.

I used to have my student loan with Sallie Mae and never had a problem logging in, no matter what time of the day I made my payment. My student loan is now being switched to Navient and haven't had the best experience. I have been trying to pay my monthly dues for the month of January still, and the website doesn't seem to work. I have tried to log in for the past two week and the website is down. I work and don't have time during the day to call them. I tried to look for an email address where I could communicate to them and didn't find any. How else can I pay my student loan if I can't even set up auto-pay since the website is down? I don't like this Navient transition at all.

This damn student loan company had overcharged me twice already! I've filed a complaint to their management team but I didn't see any changes. When you started to pay through Navient website, it wasn't clear if you've already made the payment or not. I'm sure most of you had made purchase or paid anything via online, it'll show something like "Thank you for your payment! " or "Payment Received."... etc. However, for this company, it'll never show it until you clicked twice. This mean you paid them twice! I've complained to them if they can get IT or Help desk team to fixed this issue. The supervisor there replied, "Well, all I can do is submit a refund. But I don't think you'll get your money back..."

So I had student loans with Sallie Mae that were transferred to Navient. I continued to do the online quick pay option for repayment. The first few months everything continued to go as usual. Then my Federal loan continued to draft from my checking but my Dept. of Education loan started drafting from my savings for no reason. I didn't notice until October because I also do online banking so I didn't pay attention. When my November payment didn't show up in my checking I began investigating and realized what was happening. Needless to say I was quite upset that over $1,600 was missing from my savings. I called and told it was a bank issue. I called my bank and was told it was a Navient issue. Called Navient back and the guy told me the person I spoke to was new and didn't know what she was talking about. He told me to go in and delete my account information and re-enter and this should fix it. So I did that.

I take nothing for granted and feel victimized by Navient. Why not target someone else and not have to be treated like a number or a deadbeat. It seems the automation never gives you any benefit or a person who can is willing to remedy a problem - nice of them to stay employed on my dime not that the days are not already filled with no end in sight of hardship. It's downright un-American how they treat a fellow human being - nobody needs these issues I'm sick of asked go for others to help do their own job. I've already been told the deferment was in place now. I wait on my time off trying to correct an error I was told was NOT an issue. This is senseless. Quit bothering people. It's wrong to bother students who work so hard.

This company has been only obstructionist to me over the past few years. I took student loans out during med school which were transferred to Sallie Mae at some point, which then became Navient. As a medical resident (undergoing post-graduate training in a specialty in a program from which I'll graduate), I am allowed to take a Loan Deferment. I applied for this deferment, completing the required paperwork -- after several attempts at completing the "correct" forms after being sent the wrong forms by SM. I kept trying to confirm that they were received, after faxing, as well as scanning and sending as email, posting to the website MULTIPLE times. This nonsense continued literally for years. I would do ALL the required paperwork, then would be told that it didn't come through. I spent hours on hold, being transferred, told to fill out different forms, etc.

I haven't been out of school the required 6 months and the calls are relentless. I have made payments. I have requested paper bills for my accounting - no paper bills but they still call requesting payments. I made all the payments on time.

I have been going in circles with this company trying to get my son's 1098e form so he can deduct the interest on his taxes he has been paying on his Sallie Mae student smart option loan. They tell us he is ineligible to receive a 1098 and refer us to the IRS. According to the IRS, he is eligible because he was full time student at an accredited 4 year university and he used the funds for tuition. Then they refer me back to the university stating that the university was ineligible at the time the loan was disbursed. Really! Villanova University! The university states all was in order and confirmed that the funds were disbursed for tuition and he was a fully matriculated full time student at the time. Uugh getting nowhere!

Today is Feb. 18, 2015 and attempted to call Navient this morning to discuss a billing error on their part. Call today and see for yourself the recording says "due to high call volume and inclement weather please use our website." Worse than not even being able to talk to anyone, my account is somehow overdue yet I have made my payment already for this month of February. My credit score is right at 800 and I have never missed a payment in my life. This is completely unacceptable. At this point I rather borrow the $20k from my local bank to bypass these awful loan sharks!

I have been diligently paying my student loans for the past 8+ years since graduating from law school in 2006 with a ton of debt. Recently I discovered part of my Sallie Mae loan was transferred to Navient. The monthly payment that Navient presented to me was an additional $130. I called and spoke with a representative from Navient who informed that once they audited Sallie Mae's records they discovered that I would not be able to pay off my loan within the term without owing a balloon payment.

I contacted the Navient customer service department regarding a late notice I received on my account. I made a payment on the account via my online bill pay that I have used since opening my loan in 2005. It took 11 minutes and 22 seconds to get to the correct department although I called the number printed on my statement. After speaking with Rex he informed me first that I was 9 days late and the last payment received was in July of 2014 (OBVIOUSLY MORE THAN 9 DAYS) and that I would need to send my bank statement proving I had made a payment.

They added new field to login verification on website for last name. Entered last name. Invalid. Tried again, got locked out. Called number provided, went through 10 minutes of prompts, finally got to ask to speak with a representative, then got message office is closed. Thanks, because of your faulty website login you wasted my time and I am now unable to accomplish what I need to do until your business hours. I needed my information to refinance and now I have to wait. Good thing is I am near rid of you as soon as I can get my information from you. Terrible.

If the student loan debt scam were insulting enough Navient now services my loans (poorly). I have gone to their website several time and received error messages. Today when trying to make a payment I logged in and then was requested to provide additional privacy information. I always pause at doing with online information because if these guys cannot manage their website why should I have confidence that that can safely manage my personal data. Alas I gave the information and then got an out of service screen that read: "Important Message Due to scheduled maintenance, the loan servicing site will be unavailable from 11 p.m. on Saturday, February 7 to 6 a.m. on Sunday, February 8, ET."

I wish I never got a loan with Sallie Mae. They have the worst customer service I have ever experienced. The new transfer to Navient has made things much harder. Every time I log into my account I try to put my password, I decide to do forgot my password only to wait a whole day for a temporary password and then getting locked out of my account. I called their horrible customer service number where you have to wait 2 minutes listening to a machine talking before you are able to get a human on the phone. And if you can't pay your loan they DO NOT work with you. They will not put you on a payment plan and they can care less if you are unemployed or on medical leave. I was out of work for 6 months unable to pay my loans and they didn't care. They kept racking up late payments on my credit score unto 120 days. I finally was able to go to work again and pay up. I can't wait to be done with them. I will never recommend them.

The customer care rep could not have been more rude. I called to make a payment and before I could even state why I was calling she accused me of not making a payment the previous month, which I had. She insisted that I hadn't called in previously, which I had. Once I explained what happened and gave her a time frame she looked up and saw I had made a payment and someone on their end cancelled it for an unknown reason. She accused me of being "rude" and "raising my voice" at her for pointing out her ignorance.

The original principal balance was $31,803.93. I began paying this loan in May 2005. 10 years later I still have a balance due $21,122.00. I pay $210.77 (over $25,000 paid to them) every month and now I am several payments ahead but they still accrue the interest as though the payment were being received current. I feel I'll never get this loan paid off. There is no customer service #s to call. When you ask a question on their website, instead of getting an answer direct to your question, you get a whole series of answers based on your inquiry. Can someone help me? I think they are ripping me off.

There are currently three monthly payments not recorded. I have been on the phone with Navient for over a month, and this still has not been resolved.

I have been paying on my student loan continuously through Bill Pay at TD Bank for many years without a hitch when the money went to Salle Mae. Last month Navient contacts me to say I did not make a payment. The bank says I did. Right amount. Right date. Right address for payment. Phone calls everyday for a week did not solve the problem. There is a mystery supervisor helping the person on the phone at Navient relay information to me. I made another payment today to keep my account in good standing.

Sallie Mae (Now Navient) are predators. Sallie Mae's entire business model is on acting like vultures. Both my mom and myself have had nothing but issues with them. First off I ended up with a total of $56k in loans taken out for my degree. That in itself is pretty sad as one should be able to get more than $7k per year in federal aid when $7k barely even covers community college these days. Sallie Mae provided a projected payment plan for my graduation which was around $560 per month. They forgot to mention that they sold my loans to other banks at much higher rates. So take out a loan at 6.8% then a few months later you are now at 14.25%

I keep receiving notifications that the account is in arrears and that I have lost the discounted interest rate on the loan. This is after 2 incredible frustrating, time consuming, obviously worthless phone conversations with customer service AND sending proof of payment. For 15 years, the loan has been on a timely basis with no issues at all with Sallie Mae. To be treated in this manner by Navient is very disheartening and uncalled for.

I am so completely frustrated with Navient!!! First off I have automatic payments setup and well they received my payment but couldn’t find it so I got daily calls to my house, cell phone and wife’s cell phone stating we were delinquent in payments, every time we explained the situation and told them they were supposedly investigating their issue, not ours. This went on for 2 weeks straight of constant harassment!!

On 2/6, I received a call from Navient regarding a late payment. I made a payment of $50 (my minimum payment) on 2/2 and it was processed. The rep told me that the $6.64 was from when I was late on my payment (about two months ago). How is this when I paid that payment in full and continued to make timely payments??? Plus, whenever I logged into my account, I never saw a notice that I still owed $6.64. They need to make sure that any payments go to past due amounts. Clearly, I had not problem making the payments (the late payment was because I forgot). I didn't even see this on the web-site until it was highlighted in red--but that was when it was past due. Horrible way to help borrowers ensure that they have paid everything.

I have loans with sallie mae which changed, sold or otherwise gave the loans to a company called navient. I have been making my regular payments and navient starts calling me saying they have not received them. I contact my bank and they show me proof of payment and that in fact navient cashed the checks. I have been literally getting 6 phone calls a day and when. I answer them no one is there from navient. I call back and they answer and all they want is payment for what I have already paid. Their customer service members can not communicate with collections and no notes were taken on any of the phone calls for reference. They tell me to go to upload. Navient.com to show proof of payment. Web page does not work, I send an email to customer service with an attachment of proof of payment. No one in collections can see it or knows what's going on. IF YOU CAN GET STUDENT LOAN ANY WHERE ELSE I WOULD HIGHLY RECOMMEND STAYING CLEAR OF NAVIENT. Extremely incompetent company. Associates do not want to help at all.

Like most people complaining, I had my loan with Sallie Mae that now has become Navient. I am in a position and started making an effort to send multiple payments in a month to pay down my student loan, but I see it's been a fruitless endeavor since Navient will not use the extra payments to pay down the principal, instead they use it to pay part of the principal and future interest payments. This past December, I sent three payments, all above the minimum due and I paid more than double the interest that I typically pay in a month.

I had to declare bankruptcy last year due to circumstances beyond my control. I contacted Sallie Mae and advised them of the situation (until this point my loans were always current and on-time). I was advised that I would not need to make a payment until July of 2015. In January of 2015 I began getting these emails from some company called "Navient" and I did not believe they were legit so I ignored them. When I began getting calls I checked them out and found that they were the new Sallie Mae. I called them and the "customer service" person became verbally abusive, threatened me, and refused to let me talk to his supervisor. He then called me to leave a threatening voice mail on my phone (Yes, I saved it. Can't wait to use it in court), and he alleged I had agreed to something I never did agree to.

I paid a student loan for my son's education over the past 11 years. I paid it off in full ($5487.32) April of 2014. I attempted to print out a 1098E form to file my taxes. I could not get into the site but was referred to another company Navient which took over Sallie Mae records. I called and was on the phone for 2 hrs being transferred back and forth between the companies. Neither claim they had records and I got nowhere. I am livid and without the form I need to pay my taxes. I don't know where to go for help in this matter. The customer service department were all outsourced calls and no one would give me a supervisor or anyone else who could help me.

Since the Sallie Mae transition to Navient, I have to call Navient once a month. EVERY SINGLE time I talk to an agent, the person is completely clueless on loan services. They get confused on interest vs. principal. When I signed up for auto debit, Navient charged me 3X the minimum payment, so I had to cancel auto debit because they are idiots over there and will mess with my money. This week, I got my 1098-E in the mail and it was completely incorrect. It stated I only made $600 in interest payments when I made over $,1500 in interest payments. I'm done. Time for a new loan servicer.

Navient is a stalker. The employees are Sallie Mae employees (plain stupid). This company is constantly calling and harassing me everyday. They make many mistakes and don't want to fix them but instead screw up my credit rating. Please somebody do something with the company of stupids.

Helping nephew to get SM/Navient loans/accounts straight. Misapplied whether phone or online submitted separately. Trying separate by checks now. Inaccurate late fees and ROBO-letters continue -- called and still messed up; wrote letter and NO response.

I stupidly took out loans while I was in law school. Since I was studying outside of the US no other company but Sallie Mae would give me a loan. Here I am. My repayment amounts are extortionate and I have been paying what I can, as a result I haven't been paying on time and not all of the loans. I've exhausted all my forbearance and I currently self employed and studying for the Bar exam so you can imagine I am not making enough to pay off everything they are demanding.

I've been trying to payoff my 25K loan for the past week. My loan currently accrues nearly $25 daily. I paid the loan off over the phone with a representative, the next day I received a phone call notifying me that they had calculated my payoff amount incorrectly and that I owed more money. The representative asked me if I wanted to cancel the large payment. I told them to process it and I would pay the remainder later.

My review is specifically with regards to my experience trying to overpay my student loans. As the "customer" I am inclined to feel that the servicer, Navient, would be eager to assist me in reducing my student loan debt but my experience leads me to believe otherwise. Each time I have tried to communicate with Navient's customer service to overpay my loan bill it requires at least 2-3 phone calls to ensure that the payment is applied correctly. For example, I sent in an extra payment with a cover letter specifically requesting that my payment be applied to the principal on my loan. That was done only once it was misapplied and I called to have it rectified.

My husband had a student loan originally with Sallie Mae then transferred to Navient. We defaulted on it and they took our tax refund for 2 years and it was then paid in full. The problem is that Navient does not show any of this. They direct us to USA Funds, which is another of their companies. Anyway when you look online or call USA Funds it shows paid in full. Great, right?

Today was one of the lowest days in America for me. I had to renegotiate a Sallie Mae loan with Navient for my daughter as I had got it to finish her education when I had no money to help her. She had Federal loans taken out herself. If I had taken Navient's first option of 15 years at $111 per month, they would have had 80% interest on a 10,000 educational loan. The original loan I had with Sallie Mae was not re-financeable (although mortgages are, but I don't own a house). This call center happened to be in Indianapolis (versus Thailand, which first answered); in the background was a party going on in Indy for end-of-the-month celebration of good work; which means the number of people who were making 80% interest on the back of American college graduates for a conglomerate of corporations traded on the NY Stock Exchange. The call center actually called themselves part of the Dept of Education, at first.

Have been trying to get my payment plan switched from standard to IBR since November of last year. Since the beginning of this year I have had conversations with customer representatives on 3 separate occasions (with the obligatory 20-30 minute wait on the phone before getting a hold of anyone) and still haven't been able to resolve the issue. The last representative I talked to cited the "holiday season" as the reason why they are so behind on updating customer's accounts. If there was some way I could return to being a Sallie Mae customer I would do it in a second.

Navient (former name Sallie Mae) calls me on my job and on my cell 15 times a day; even on the weekend. The sad part about all this is the fact that with my masters' degree, I make less than 50k a year. They expect you to pay $500 a month on the loan. This would be devastating and would leave my family in a financial bind. There should be something done about harassment. If I pay what I can, that should be enough. There are not guarantees that you will make enough money to pay back student loans by the time they add interest.

I cancelled an online payment and they still submitted it to my bank, in addition to the amount that I had changed it to. Now, I have a $35 overdraft fee thanks to them. They really need to get their act together. They are RUTHLESS.

After reading a lot of the stories here, I realize something is really wrong with this company. The switch over from Sallie Mae to Navient happened right around my IBR anniversary (I've been on IBR for 4 years). I called them to make sure I was sending the right information to the right people and sent in my yearly income info as I've always done. They miscalculated the payment and my payments went from $45 to $350. I have not had an increase in income. I sent them more documentation, it has been a month and nothing has changed with my account so I called them today (every time I call I feel like I am being lied to about what I need to do). They now need more documentation--but I never got a single email, letter, or phone call about this request. Every encounter with them, I feel like they are trying to obstruct my ability to continue paying them. I am ready to do whatever it takes to make sure they don't get away with this.

Can never Log in. I try to log in multiple times and then the page goes blank. Then I log in again and it says I have logged in too many attempts and need to reset my password. I close the browser, open in a new browser with same password and I get in. This is an absolute mess. It concerns me that this company cannot maintain a log in properly but yet they service my school loan. I would give negative stars if I could.

I recently decided to pay off my student loans, in full, the last $800. Hooray for me. I received confirmation of my payment via email, then decided to discontinue my auto-pay. Why did I discontinue my auto-debit right away? After dealing with several loan companies, including Sallie Mae and other sub-contractors, I was fully aware of being charged extra payments here and there. Getting a refund from the Fed Loan Servicing people is quite a hassle. To digress, the auto-debit allowed my interest rates to go down. Once my auto-debit was removed (AFTER the FULL payoff confirmation) my interest rates went right back up... leaving me a new balance!

1) For over a year now, I have been trying to get our son's account (whom we cosigned for) to appear on the Navient Private Loan web site. I have had multiple promises that it would be fixed within 24 hours and none of them have happened. However, the site does show his ex-wife's loans and history, which we are also cosigned on, without a problem. And when our son is late on a payment, they have no problem contacting us for that payment. 2) They send me emails stating I have new documents to pick up and when I log-in there is no place to click to pick them up. 3) The web site is virtually void of email addresses to contact someone and when you call in, you can expect a wait of 30 minutes minimum. In my opinion, VERY POOR customer service with this company.

Since Sallie Mae transitioned or was taken over by Navient, not sure what actually happened as no one can give me an accurate answer. I send in a payment each month asking it be applied to a certain loan with high interest and they apply it to the lowest interest rate loan. I call, I write, I yell and scream, and get no answers on why this is happening. I never had this issue with Sallie Mae. I sent 2000 dollars in for the higher interest loan and they put it on the loan with no interest until after graduation. Why can't someone do something about this??

Unable to pay full loan payment at this point. Have applied for IBR through government education loan website, they fail to honor it or further process it. I applied for IBR through their own website, and when I call to check on the status, I don't get a representative, I get a computerized message stating that my request is being processed, no further action required. However, it has been over a year and a half since my first IBR was filled out, and my other student loan company recognizes it.

For the most part, I am okay with Navient with regards of getting payments applied to our loan, however, if you fall behind at all, you will receive numerous calls every single day reminding you about your loan, even if you have already told them when you will be able to make a payment. We've already exhausted all options as far what they offer, but they leave messages saying we have options. When we call them to ask about such options, none are available. Best advice I can give is to always stay current unless you don't mind your phone ringing off the hook every day.

I have been trying to get my loans transferred to the PSLF program for 6 months now. Half my loans went because I consolidated them per IBR guidelines. The other half already qualified for IBR and PSLF and had a lower IR so I didn't consolidate them. Now these loans are stuck at Sallie Mae/now Navient (I was never notified the loans were changing). Secondly I have 2 billers on Navient. I signed up for auto pay but for the second month in a row only one bill is auto-debiting. I called, emailed, but still one is stuck. They tell me “Oh next month it’ll come out.” I am scared, frustrated and frightened. This is how America is handling the debt of our young scholars. Something has to change.

Was somewhat glad to see Sallie Mae changing to Navient, but I guess it's in name only. As usual, everything you try to do with them gets totally messed up. Got an email saying my tax document is available online. I must sign in. Used the sign in I used to have an apparently, I no longer have an account. Try to create one on their "create account" page.

I have a problem logging in to the system. https://www.navient.com/loan-customers/. I try for a few days and the system itself have issue. The page showed a SSL connection. I never had issue with Sallie Mae. It is not the internet cause I am able to use other site. Do anyone know if the website is down?

Navient Sallie Mae is impossible to obtain records from, misapplies student loan payments, has a completely inferior website that provides very little information, and the "service reps" are extremely difficult to contact, wait times are insufferable, and everyone speaks with an accent and is very difficult to understand.

After being on hold for a while, I finally got to speak to someone about my loan. I noticed the majority of my payments were going to interest instead of principal balance. I also noticed that on some months, all went to interest and nothing applied to my principal balance. The high interest rate of a private loan is calculated from the principal balance on a daily basis. If that doesn't ever go down, your loan never goes away. I was trying to find out how to get my principal amount down. I asked, "If I made an additional payment today for $3500, how much of that would be applied to the principal?" They would not give me an answer.

I had gotten a loan through Sallie Mae in 2007, in fact 2 loans (private and federal)... Apparently there was a class action lawsuit against my school (about loans being too much) in 2010, in which I was never notified about. When I did find out about it, my name was included in lawsuit however too much time had passed and I was unable to collect payment, which could have paid off my loan... With that being said I have still made payments in 1 loan and early last year (2014) I made a final payment of $6,000 to finish my $20,000 loan... Now I still have 1 loan left...

Navient Sallie Mae whatever their name is has been horrible to say the least! I have tried for 8 months to get my loans consolidated through this company and have yet to do so. They are still supposedly waiting on another loan company to send them information on my loan however I have contacted the other loan company and they have sent the information over a month ago. I have told Navient this and still no resolution.

I am an unfortunate client of Navient. I am paying outrageous amounts, that don't seem to be being applied to principal balances on my 35 thousand dollar loans. I just got out of my post-grad 6-month deferment, and have paid on-time standard repayments of 450.00/month for roughly 7 months. My current balance is 35,356 dollars. How can you pay a few thousand dollars, only to see the balance INCREASE? I have no idea what's going on with this company, but it's not good at all. Furthermore, for MONTHS after opening up the Navient website, there was no customer service phone number. I couldn't email them, call them, or contact them in any way. Since then, I have had the displeasure of being able to communicate via phone with rude, quick representatives.

Website down all morning. Trying to access Navient to get 1098-E for tax return prep. Guess I will just wait for another day...

I have been trying to access my account online to make payments and to get my tax statements. My account was disabled because of too many unsuccessful log-in attempts. Their website has been slow and I have had to reload it many times. It took almost 30 minutes for me to get the email to reset my password. After that, it was difficult to determine the difference between certain letters and numbers. I called the customer service number and all the lady was concerned about was me making a payment.

I try to pay my loans online and the website always times out or never fully loads. I never had this problem until Navient took over for Sallie Mae. When you try to call the customer support, the touch-tone menu makes it as difficult as possible to speak to a person. I am looking into moving my loans elsewhere.

A Simple question was not answered by three departments and I was wasting time among each transfer and had to hang up without any resolution.

I noticed that my monthly payments for my student loan had increased by 76.00. I did not receive any written notification of this increase. When Navient took over for Sallie Mae they guaranteed no changes to your account would happen. Customer service agent talked too fast and she kept placing me on hold. She did not have a clue about the information I was asking and asked me to give my information over the phone to decrease my loan payments.

Each month I pay my husband's student loans and each month I spend literally hours trying to access their payment website. Today, the message I received said "cannot load - website available in 89 days." In 89 days I'll have a whole new argument, how to remove late fees caused by their payment system. They really need to upgrade their system to allow users to utilize their system in a timely and efficient fashion.

I have had loans with Sallie Mae for over 10 years and was switched to Navient recently. I called for the first time today when my monthly loan payment (which I have set us as auto withdrawal) tripled. I didn't catch it last month, but when I saw that it had been deducted from my account for the past 2 months at that rate I called to inquire why it had increased so much. The agent I got on the phone was very hard to understand, both with his accent and the fact that he just wasn't making any sense. He was clearly reading from a script instead of just simply answering my questions. I am usually able to hold my frustration and talk calmly even when receiving horrible customer service, but this time I was so infuriated and confused I just couldn't.

My experience with Navient has quite possibly been the worst of any company I have ever worked with. Had I known this would be the case I can assure you I would never have chosen Sallie Mae when I consolidated my loans in August of 2014. Since then I have been battling to have around 15,000 USD applied to my account. I have been put off for 30 days, 60 days, promised return calls that were never received, spoken with supervisors that told me I could reach them with only a badge number then to be told that is impossible. I've been told by other supervisors that the previous supervisor sent my information to the wrong department and I would have to start all over. I have spent close to 15 hours on hold or explaining to yet another person what is happening and still nothing. Wait times are beyond ridiculous and no one seems able to do a job correctly. I will be reviewing Navient on any and every website possible so others do not have to experience this level of incompetence.

I got locked out of my Navient account after two attempts to log in with the temporary password they sent me. So I called the customer support number. Even the automated system is rude. It just says the line is busy and hangs up. No option to speak to a person or leave a message. It prevented me from making my payment on time. What a disgrace.

My student loans recently turned over to Navient. On 1/9/2015, my credit monitoring service notified me that I had 15 delinquent payments!!! I have never made a late payment on my student loans! I am a physician with a family trying to purchase a home. If these delinquencies are not rectified, I will not be able to have the American Dream, despite every effort to go to school, work hard, and make on-time payments. How could Navient try to discredit me on the most important factor that America judges you by--one's credit score? I am outraged. The representative I spoke said I will be notified in 7-10 business days after Navient investigates this issue. Regardless of the outcome, I do not look forward to babysitting Navient for the next 25 years making sure that they do not lie on me and claim that I did not pay my bill.

As soon as Navient took over, I've had a nightmare. I sent 3 checks for $50 each at the end of October 2014. Somehow Navient mixed up my 3 traveler's checks with somebody else's Western Union money order that was mistakenly sent from a person in Colorado to a person in Missouri. I have no idea how this mixup occurred but it has turned into a complete nightmare.

I used all of my forbearance options with Sallie Mae on a student loan going all the way back to 2004. I was unemployed for awhile, and always lived paycheck-to-paycheck ever since. I recently became unemployed again back in September of 2014 and was unable to make more than maybe one or two payments. My mom is a co-signee or whatever on the loan, so we called in together and asked about lowering the monthly payment. The lady we spoke with (I guess we got bumped up to a manager or something) was able to add X amount of payments onto the life of the loan (but not more than 6 or 8) so that the total monthly would go down. These new payments are NOT interest-only payments, either! She said a portion of each one will still go to the principle amount like they should. I'm not sure what other magic she worked but the interest per month was lowered, too. The only thing mom and I had to do was commit to 3 or 4 auto-pay scheduled payments as a token of good will.

For the most part, I am satisfied with the company. I had some interest rates rather high but after sending in my orders I was refunded on the interest rates over 6% due to the SCRA. Given some of the reviews on here, I have never had to deal with them over the phone so that is probably why my rating is higher than most. For the most part I try to log in once a week to ensure everything looks alright. My only complaint is the automatic payments. Why was I only allowed to pay the minimum due? Why can't it be set up similar to the manual way (paying each month directly on the computer) with a way to allot on how much you would like to pay on each loan? Seems that should be fixed. So currently I have been using the manual method and I am super ahead of my loans at the moment and should have them paid off by fall. Good luck everyone. Hope everything gets resolved.

I reached out to Navient in early September to get advice on my Income-driven Repayment program payment, as our family income had dropped by 15% since I originally applied. I was told by the representative that I didn't need to do anything until the end of the year. In mid-October, Navient attempted to withdraw $2500 from my bank account, which is more than my bi-monthly paycheck. I contacted them and they informed me that my IBR had expired at the end of September. I had the bank halt the auto payment arrangement and resubmitted my IBR for recalculation, which Navient did, but to the tune of $250 more a month that I was paying when I was making more money. I've since had at least six phone calls with each person promising another response, from another recalculation, to cancelling the auto payment on their end. None of it has happened.

Navient claims I am behind on paying my account by 4 months. I am not. I was and am in school, and all of the proper authorities have contacted them. They continue to make harassing calls and have reported this to a credit agency. No one by email or phone will tell me how to fix it or what they will do to correct their records. They push for a forbearance -- which does not apply -- and to make immediate payments. This is illegal.

I've never missed a payment, paid late, and I'm ahead on my payments after many years of paying. I called to ask them to move the payment date forward two days and was told they could not do this because I had my payment removed from my account on automatic debit each month (automatically). WHAT kind of idiotic rule is this? This is my first experience with this moronic company which makes me realize I'm in for a long relationship with mindless idiots until I pay my student loans off.

The person on the phone call clearly did not use American English as a first language. They do not want to give in-school Deferments/Forbearance as was in the terms of the loan when I took them. The phone system was clearly set up to avoid letting you talk to a human. This is a disservice to students and graduates of the secondary education system in the United States.

Sallie Mae, since it has now separated from Navient, has been nothing but a disaster of customer service. You wait almost an hour on the phone for a representative, only for that person to not speak good English - God knows what country, and then they cannot rectify the problem that their system has now created. I have never been late on a payment and in this last bout of problems, I have been attempting to make a payment for 4 days. Cannot access the website. They will not answer the phone. There is no contact us Email or Contact form on the website. I would strongly recommend the American consumer stay away from this loan company.

Sallie Mae has been changed to Navient. The only thing that has changed is the name. The customer services is deplorable, to say the least. I tried calling last night because we got a check for over-payment of late fees. The check was misplaced so I called to see if a new one could be reissued. I was on hold for about 45 minutes before a clueless girl took my call and said she could not help me because there was a "special department" that handled late fee checks. She said she would transfer me. I then waited on hold for another 45 minutes before I got tired of waiting and hung up. So needless to say, my problem was not resolved.

Trying to make a payment online and the service does not recognize user name and password, then continues going back to previous screen. System has to be upgraded in order to be efficient, as it is now is a disaster. Then if you call to talk to somebody from Navient the waiting period is thirty minutes, certainly a waiting period that long denotes that Navient does not care about to provide a good customer service. It is really gross to see something likes this.

Unfortunately, my son's student loans were take over by Navient from Sallie Mae and we have nothing but problems ever since. We were making one payment to cover all 3 loans and had payments set up on automatic payment with the bank. Navient separated the loans into 3 separate accounts and applied our payment to only one of the accounts. When we tried to resolve this issue the representative was rude and obviously following a script.

I called Navient last month to ask them how I could make a payment to the principal amount to one of my student loans. It was a significant amount, and I was hoping that my monthly payment for this one loan would be reduced. I sent a payment with exact instructions in a letter and on the check for the entire amount to be applied to the principal of this loan. I also made subsequent payments to the principal of this loan to be applied to this loan. Instead, Navient applied all of this amount to both loans and to both interest and principal.

I was making student loan payments to Sallie Mae from 2006-2014, on 5 loans total, 3 private, 2 federal. I paid off ALL of my private loans, totaling approx. 15k during this time. I have 2 large federal loans that were transferred over to Navient this past fall. Immediately they increased my monthly payment from $250 to $800. I had to submit proof of my income and jump through tons of hoops and fight with their rude customer service reps that "lost" my pay statements 3 times. I had my loans put into forbearance during this time since theres was no way I can pay $800 a month unless I live in my car.

Each year I have applied for the Income based repayment plan and have fit into their guidelines for reduced payments. I reapplied this year, and was again approved. However 1 month later and my loans transferred to Navient. This new company started sending me bills with the Full amount due. I called them, they gave me an apology, said they would look into it and get back to me. Long story short, several more phone calls several more apologies, several more "you are correct your monthly payment should be reduced." However my account is 30 delinquent and their collection department is calling me every couple of days, stating that I owe a few thousand dollars now. This problem is still not resolved. The company is extremely frustrating to deal with.

I have tried to payback my loan now that I can afford it. They refused to give me a forbearance saying I am not eligible. I asked them to work with me to payback at 50 a month, they said I have to pay 75 min. I filed complaints with the BB and the consumer affairs board to which the respond "We have contacted the client directly to resolve this matter due to privacy issues." I have not gotten anything from them NO calls, no mail, NOTHING. Within the last year I have managed to earn over 900 in interest and when I ask how I'm told that's just the way it works and I wouldn't understand it. They are crooks who have no intention of helping people repay their loans. DO NOT, DO NOT borrow from them no matter how appealing the school makes it look. It's a huge scam and they will not work with you in any way shape or form for "affordable payments", no matter what they send you in the mail. Funny how all this worked too cause Sallie Mae ended sending me a check back for errors in interest and late fees charged. So I am sure there is something shady going on here.

I have dealt with Navient over the phone on several occasions and each time I have had a new problem. To make matters worse, I have never been able to complete a survey after the inadequate service. After each telephone interaction, the automated survey system mysteriously cuts off while I'm in the middle of completing it. On one occasion I called 5 times in order to attempt to complete the survey and still nothing. I have been paying back my student loans since 2001 and have never had such poor service.

On two separate occasions we (my son & I) have attempted to pay off a relatively small student loan (under $600.00) to Navient. Lack of funds is not this issue and both routing and account numbers provided were accurate. The 1st time was this past summer, when I spent about 40 minutes or more on the phone working through this and was told that it was paid, only to find out the following month that the loan had not been paid in full. The 2nd time was more recent, late November, when I transferred money from my account to my sons’ account on 8 Dec. 2014 and he 'Paid' the loan off in full.

I reached out to get help for reducing student loan interest rates for my son who had a tragic incident happen and had to leave school. He now works two part time jobs just trying to pay the loans. Yes we knew the terms when we signed. However, didn't expect the outcome to be what it was. Jack Remondi is a very very wealthy CEO making a lot of money off the back of many of these students. I know he is not, but should be ashamed. And the US government allows it to happen. They refuse to help by reducing interest rates to a reasonable level. Because Jack and stockholders are more important.

I received the most unethical and harassing phone call today on 12/23/2014 at 10:50 am. The representative stated I had not made a single payment in over 160 days. They stated I owed over 900.00. I tried to talk professionally with the rep and told her I would talk to her however, I disagree. I tried to tell her I only send in checks and I have been sending in payments by check. She said "No" you haven't made a payment in over 160 days. I asked to set up a conference call with a manager who could access my account, assuming this was a telemarketer or collection call. The rep literally said "no, please provide me with a credit card for you can pay off your 900.00+ today." I told her again, I don't do credit cards over the phone and I am not going to make a 900.00 payment "today" like she demanded.

Didn't notify me that my forbearance needed an extra signature and didn't notify me. Reported me 120 past due to all 3 credit agencies and my credit is destroyed. I am working on having them fix it. I called in July to update my information and request a forbearance. Not one letter or email. They never updated my information!

My loans have been serviced by Sallie Mae from September 2011 - September 2014. I've had my share of issues, but none of them compete with Navient's inability to perform their job to the most basic level. The balance of one of my loans suddenly increased by $1200.00 in one day and I was surprised and upset. After 3 different phone calls and 3 different answers to as to why my bill changed drastically overnight, I find out that Navient had the incorrect information about when my grad school program ended. They claim that from the beginning, I was charged the incorrect amount of capitalized interest and because of their error they needed to recalculate my interest and re-apply each and every payment I've ever made, which has resulted in my balance increasing by $1200.00. It turns out they thought my program ended on September 25, and it actually ended on September 26. They would like me to believe that a single day has caused them to have to re-add in $189.00 of interest that they didn't charge me.

I have been in school since April 2012. I am due to graduate March 2015. My student loans were suppose to be on deferment, but because my current school does not report to the clearing house, my deferment expired. I have my advisor complete the updated deferment letter and send it off to Navient. I received several emails letting me know they received my document, processed my document and approved my deferment. Now a month later, I am suddenly no longer on deferment and receiving notices that I am delinquent in my loans. I call their customer service and I am told I have to start the whole process again, which was just completed a month ago. This company is ridiculous and needs to go away.

Navient, by far has employees with the worse customer service I have ever received in my entire life. There is not one person that I have talked to that has not given me an attitude or was nasty towards me. It is absolutely ridiculous. It's like there is a protocol to be nasty to individuals who call to handle their loans. #1 I was told that I could not be given the info to access my account online until my account becomes current. To become current I have to be in a program from three months. #2 I signed up for that program and for some reason the money wasn't taken out of my account one month. I contacted Navient to handle the matter. #3 the following month I receive a call from Navient saying that my account is delinquent. Remind you, I have auto pay for my payments to come out. The woman tells me that everything will be straightened out and instructed me to call back on December 1 to make sure that everything would then be current.

I called the company to completely pay off one of my student loans. After about a week later, the money had already shown withdrawal from my bank, but they could not find the money and said I did not pay it. I had to submit documents showing proof. They said they had not receive the documents a month later, and this only because I reached out to them. They made me go through the whole process of submitting proof of payment and they still are arguing with me about it even though the money was taken out from our bank. It has been an awful experience, as I have had to contact them numerous times, with no resolution and horrible treatment. Never using them again and do not advise anyone using them in the near future.

My wife and I had an account with our bank to pay her student loan via automatic debit. We logged onto the Navient website and deleted the old checking account and updated the information of our new checking account. At the same time we made a manual payment through our new account. Needless to say Navient made an attempt to debit the old account, which resulted in a Non-sufficient fund fee (NSF). Nine days later Navient made a second attempt to debit the same deleted account, which resulted in an additional (NSF) fee. We then made contact with Navient in an attempt to resolve this problem and seek reimbursement since a manual payment was made. The first phone call was a disaster. The rep was at a call center (you know where) and her English went right out the window within our first round of questions regarding how can you attempt to debit a deleted account when you have the new account info? As per the rep we submitted our proof online and waited 24 hours.

If Navient's tactics is legal then highway robbery ought to be legal. I received letters from SallieMae informing me of their planned branching out into two separate companies. According to the letters I will not have to do anything since I am on automatic payment. So imagine my surprise when I received late payment notices from Navient. I called Navient and soon realized that the associate had no clue what was going on so I demanded a supervisor. He refused to transfer me to a supervisor insisting that I was going to be given the same info he just gave me. I told the guy that I was not getting off the phone without taking to a supervisor.

When I started graduate school in the fall, I was told that as soon as my school let them know I was full-time, that my payments would be deferred. All of a sudden, right before finals time, I'm getting all these phone calls from random numbers just blowing up my phone and my parent's phone (they co-signed). Being a student with a crazy class/study schedule, I just e-mailed them. Then I followed up with more e-mails. There was a week where I e-mailed every single day. I wanted an e-mail so that whatever their response to my question was, I would at least have it in writing this time. But no, this company completely forgoes etiquette norms and, instead of returning my e-mail with another e-mail when I asked for them to, they keep calling me at all random times. I finally got a call at a time when I would actually be able to talk to the person so I answered. This woman had no idea how to answer any of my questions. The best she could do is, "That is not my department so I'm not sure why you haven't gotten a response." Oh, super helpful. But she told me she would send the department an e-mail regarding my e-mails and someone would get back to me.

My father's Parent Plus Loans were handed over to Navient by U.S. Department of Education. I figured, whatever, what does it matter who I am paying as long as I am paying. Neither me nor my father have EVER missed a student loan payment, let alone any other kind of payment. What follows is a MONTHLY recurrence of the most aggravating business interaction with this incompetent (for lack of a better word) hell hole. Every month, try to call them to make my payment over the phone. First the system asks for my account number. Sure thing, I spell out EVERY LETTER in my 10 digit account number. "I'm sorry, I didn't catch that". Understandable. Sometimes, these machines don't pick up human speech, no matter how clear it is. I proceed to KEY IN, I repeat KEY IN my account number..."I'm sorry, I didn't catch that"... you what? You didn't understand my keystrokes?? I give up and try to make the payment online like they recommend.

Ok. So you want to put down extra principal payments on a loan from Navient. Here is the rub. If you try to send in a principal only payment via mail then by their rule you will have to pay the interest on the specific loan first before any principal is paid. Instead call Navient and talk directly to a manager. You will get an employee first. Never talk to the employees about anything because they will give you bad information every time that will benefit Navient. I tried this approach and got incorrect information from 3 employees on separate phone calls. When I tried to pay off my loan, I was given a pay off total and I was told by the employee at Navient that it would wipe out a specific high interest loan. Glad I called back and talked to a manager because that was never going to happen.

Navient has submitted a different monthly amount than they bill me for to the credit bureau. I called 8 days ago to get a document explaining the descendent to give our mortgage underwriter and was told it would be in my email in 3 to 5 days. I called back 7 days ago and was told the same thing. I called 4 days ago and was told I would receive the document immediately. My lender AND I spoke to them 3 days ago and we were promised we would receive all documentation within 24 to 48 hours. NOTHING has been received. Our underwriting process has been on hold for a mortgage we should have closed on by now. Navient is the most fraudulent, careless, and unethical corporation I have EVER dealt with.

Resolved.

I have a private pay loan as a consignor with my daughter who works overseas. My understanding that navient aren't private pay loans. Anyway like a previous complaint you can't pay them with an international bank. Numerous calls to the non comprehending call center personnel now calling me everyday. I no longer answer the calls. They don't pay any attention to the information you give them. The worst company ever and sallie mae itself has never been easy but navient are the real pits. They have all my daughter international information but they never contact her. They need to be both sued again and or the fed gov't needs to step in and protect us all from foreign collection harassment.

I tried to submit a payment for two days after my due date. According to Navient, I did it wrong, and they took the payment on my due date. I have no way to prove that I did it right (which I am confident that I did). The customer service representative told me that there was nothing she could do. The Navient system is new. How can I know that it works?

I have been unable to log onto my account since late September 2014 due to the change over from Sallie Mae to Navient. I have emailed both with no communication back. I have been unable to pay my loan payments as a result. The change over has been a disaster. The Navient website does not work and when you call, there is only a recording and never a representative. I live abroad and have paid online since 2005 without any problems. NOW since Sallie Mae gave my loan to a disreputable company I have no access and no communication about my loan. I will not pay fees for their incompetence. I really don't know what to do. I cannot pay by mail.

I have been trying to obtain a letter from this company that my graduate school needs to release my loan. I was told in August it would be sent directly to the school. In October the school stated that the letter I needed (re-affermation letter) can not be sent to the school as it has to be signed and I had to send it directly. So I called on October 2 and was told it would come in 2 weeks. On October 29th I called again stating that the letter was not sent or on the online correspondence. I was told a rush was put on the letter and I would receive by today the 4th of November.They claim that the letter was improperly filed and they were "sorry".

I cannot believe it. For the last 7 months I have been making my education loan payments to Sallie Mae online. Each time I would go to sign in, I noticed I would always have trouble and have to reset my password. I would make my payment and their system would give me a confirmation number. I called them today to make my monthly payment and logged into the new side of their company called Navient. When I looked at my account I was shocked to see that they had me at 344.00 dollars due with 2 payments past due. I checked the account history only to find that every payment that I had made was reversed; therefore, payment was never deducted.