Navient Student Loan Forgiveness program

Wondering how to deal with your Navient loans? Need help with getting rid of them? We've got it all covered in this article on Navient Student loan forgiveness programs

Posted by Sharan Kumar on 3rd April 2019

Navient Student Loan Forgiveness Options

As long as you have some student loans, you will always be interested in getting out of the debt faster or reducing your monthly payments in one way or another. Student loan debt can trouble your financial growth, and it can cause significant personal stress. If you have loans that are being serviced currently by the company Navient, you should know that Navient loans can be forgiven. While this is probably true, Navient student loan forgiveness is a bit complex than one may presume it to be. You need to know that it is important to under where you or your loans fit into all of this. 

Table of Contents

Numbers Topics
7 What is a Loan Servicer?

Navient Student loan Private vs Federal.

Most Americans will qualify for this student loan forgiveness with respect to their federal student loans. Student loan forgiveness comes in a variety of forms, but the most common is the Income-Driven Repayment or IDR for short.

With respect to your income you may or may not qualify for IDR, which will probably end with your loan debt being forgiven at the end of a 20-25 year repayment plan/term.

In case you are working in certain fields, such as education or social work, you might qualify for loan forgiveness at a much earlier time period of 10 years.

Their forgiveness programs all are for federal student loans, and therefore are available for the following only -

  • Direct PLUS

  • Direct Stafford Subsidized / Unsubsidized

  • Direct Subsidized / Unsubsidized

  • Direct Consolidated Loans

  • FFELP Loans (issued before discontinuation in 2010)

You might be able to negotiate a lower monthly payment on your private student loans or even qualify for a private loan assistance program that can help you pay off some or all of your student loan debt. But, Navient Student Loan Forgiveness for private student loans is limited to a few programs only.

What to Do if You Have Federal Navient Student Loans

In case your Navient student loans are federal student loans, then you are in luck, what this means is that your loans qualify for federal student loan forgiveness programs. Depending on your career, your income and other factors, you might become eligible for either of the following -

Income-Driven repayment (IDR)

This is a plan that is designed to allow you to have your loans and repay them at a much lower monthly payment for a longer term usually anywhere between 20-25 years. At the end of this term, if you have made all of the payments on time and in full without any deferment or defaulting on the loan, you can have the rest of your loan balance discharged. This is usually for those that are seeking payment relief.

Public Service Loan Forgiveness (PSLF) 

This program is made available to some types of public service employees, and it offers a student loan forgiveness after a period of 10 years of the loan repayment under an IDR plan. This is for those who work in the public sector or a nonprofit outfit.

Total and Permanent Disability (TPD) Discharge

This is a form of loan forgiveness or discharge which is made available for those borrowers who are not able to make their student loan payments due to total and permanent disability.

Teacher Loan Forgiveness

This is a specific type of loan forgiveness that is made out for the teachers who have worked for at least 5 years in that profession with at least 1 year being served in a title 1 school, and the amount being made up to $17,500.

How to Apply for Navient Student Loan Forgiveness

Navient makes it an easy job for you to apply for their repayment plans and any of the forgiveness options. If you log into your Navient account online, and click on the link to apply for income-driven repayment and then enter all the required information. You are also able to apply for these forgiveness programs through the government issued forms if it pleases you.

Keep in mind that since Navient is your loan servicer, it will be managing your loan repayment process and present to help you apply for and switch up your repayment plans. If you have questions regarding repayment plans. Navient should be your first contact. 

What to Do if You Have Private Navient Student Loans

Although private Navient Student loans are not eligible for Navient Student loan forgiveness, there are a few private student loan forgiveness options. This also includes private loan assistance programs, such as the ones that are offered to the health care providers by the National Health Service Corps, as well as refinancing and negotiating Lower monthly payments.

Many of the loan servicers, which also include Navient would rather look to find a repayment plan for you than to see you default on your loans if you are not able to make payments. 

Are My Navient Loans Federal Or Private?

This is a bit of a difficult question to answer, could be either of them or both of them. You could have federal student loans with Navient as your Servicer and you might also have Private loans with Navient as your servicer. If you have both of them that is federal student loans and private student loans, there can be the possibility that they are serviced by Navient. 

What is a Loan Servicer?

If you are wondering what is Navient's role in your student debt management, you must first under the role of a Loan Servicer. Loan servicing is the handling and billing of the loan. The servicer of the loan works with the borrower to make a route of repayments or when you are considering consolidation or refinancing a student loan when you need it. Your servicer becomes your point of contact for any questions or concerns that you might have about the same.

Both types of loans that are federal and private student loans are managed by loan servicers -

If you have federal student loans then your loan servicer is chosen by the U.S. Department of Education.
If you have private student loans, then your loan servicer is chosen by the private lending organization that you chose. Some organizations act as their own loan servicers.
If you have taken a loan from your college, university or a professional school, the respective school's financial aid office chooses the servicer on your loan.

Sallie Mae Vs Navient

Some of the confusion surrounding loans with regard to Navient comes from Navient's relationship to Sallie Mae. While Sallie Mae and Navient originated from the same parent company (called Sallie Mae), they are two different and independent corporations. This means that Sallie Mae loans aren't Navient loans, and Navient student loans aren't Sallie Mae loans.

Sallie Mae student loans

Sallie Mae is a major financial organization that has provided and serviced loans for over a period of 40 years, they were originally servicing both types of loans that are federal and private. But in the year 2010, new legislation prohibited the servicing of federal student loans by financial organizations such as Sallie Mae.

Also in the year 2014, Sallie Mae made an announcement of its separation into two publicly traded companies in order to work within this new legislation and these two companies are Sallie Mae and Navient. Navient now manages the servicing of federal student loans, as well as private student loans, while Sallie Mae provides new private student loans as a lender and services private loans.

Today, Navient and Sallie Mae are the two most common services of private student loans, and Navient is also a very common servicer for federal student loans. 

How to Find Out if Your Loans Are Private or Federal

Wondering what sort of loans you've got is a common question if you've got the same question with the loans you have with Navient and don't know if they are private or federal student loans. As you will need to know what type of loan you've got before you can figure out whether those loans are eligible for the Navient Student loan forgiveness program. If your Navient loans are federal, they will qualify for most of the benefits that are offered by the U.S. Department of Education. Although if they turn out to be private loans they wouldn't qualify for much.

National Student Loan Data System

First, to check whether or not your Navient loans are federal or private you need to login to the National Student Loan Data System (NSLDS) and clicking "Financial Review". You will need to enter your FSA ID or create a new one. Once you are logged into the system you will be able to see a list of all of your federal student loans, including consolidation loans. Any private student loans you may have taken out will not appear on this list.

Contact your loan servicer

Another way to understand whether your student loans are private or federal is by getting in contact with Navient directly. If you are not sure whether or not Navient is your loan servicer, you can find that info on your latest statement or by having a look at your credit report. You will be able to access all your Navient loan info directly by logging into your account at their website To set up an account, you will need your social security number or the account number that is associated with your loan.

Navient's site also allows you to get into an autopay or choose to make manual payments, so have a look to see if you are eligible for federal repayment plans. You will also be able to contact them via mail or phone with the info that is given on the site. 

What Does the Navient Lawsuit Mean for You?

A bit of Legal controversy on a major scale and an investigation involving Navient was started in the month of August of 2015 when the Consumer Financial Protection Bureau (CFPB) had gathered significant evidence that indicated the company was violating the consumer protection laws.

Finally, as of May of 2018, Navient Corporation faced 4 lawsuits, each of which alleged that Navient had done harm against the student loan borrowers throughout the repayment process. These lawsuits might take many years to come to an end, but most Navient student loan borrowers are rightly worried about how these pending legal actions might end up affecting them. 

Will My Loans Be Discharged or Forgiven?

While the CFPB is asking or more appropriately demanding compensation in the favor of the Navient Borrowers who were allegedly harmed, it is not exactly known when the borrowers will receive any such compensation. The Navient lawsuits have yet to have any concrete rulings to conclude this, although the rumors of Navient student loan forgiveness, discharge or disqualification related to the lawsuits are unproven. 

How Can I Protect Myself?

If Navient is your loan servicer regardless of whether your loans are private or federal, and you are worried about your status as the borrower of the loan, these are steps that you can take to protect yourself -

Change of loan servicer

Here you may consider changing your loan servicers, it is always possible and sometimes might even be the best of all the available options. The way to go about this is by refinancing your loans for the private loans or consolidating them in case of federal loans and there is no other way.

With the methods mentioned above, you are able to combine your loans together and get a bigger loan through a different provide most often and with a lesser interest rate or lesser payments per month at the cost of having to have a longer-term period.

If you are stuck with private student loans, refinancing should allow you to select a new loan servicer and show for better rates or repayment plans. But, if you do choose this option make sure to take note of the potential pros and cons of this process involving the refinancing/consolidation of your loans, and make the decision on whether or not it might be the right choice for you. Doing so for the sake of changing your loan servicer might not be the wisest of choices one can make.

Voicing your concerns

This is a better choice, if you are concerned about your Navient serviced student loans, for the purpose of closely monitoring your credit report and your student loan repayment process for any sort of errors. In case you notice something not being right or something that is out of place, you should bring it to their notice as soon as possible, and ask questions in the instance that you are unsure of what you are looking at.

You should file a student loan complaint by submitting a complaint directly to Navient, or by submitting your complaint to the CSPB or the Department of Education -

  • Submit a complaint to Navient

  • Submit a complaint to the Consumer Financial Protection Bureau (CFPB)

  • Submit a complaint to the Department of Education

Navient Student Loan Forgiveness

There is per se no such thing as the "Navient loan forgiveness". In its place, your Navient loan may qualify for loan forgiveness with the federal government's loan forgiveness or repayment programs.

If you have a Navient loan and hope to get out the student loan debt faster or are looking to reduce your monthly loan payments, you might be eligible for federal loan repayment or forgiveness program. 

Navient Student Loan Review FAQs

How do I contact Navient?

888-272-5543 is the number you should be calling as this is their toll-free contact number.
Although, there are 9 different ways for you to get in touch with Navient the next best one that we'd suggest you try is by contacting their customer support team which according to Navient customers is by calling the number that is 877-770-4157 for their customer service department.

Can my Navient loans be forgiven?

Navient student loan Forgiveness. Although there is no such thing. If you do have any Navient loans and you would love to get out of debt faster or have your monthly payments reduced then you might check if you qualify for any federal loan repayment or forgiveness programs.

Does Navient refinance student loans?

While most borrowers choose to stay with Navient until they repay their loans completely, others decide to consolidate their student loans that Navient is servicing or have a look at the options for Navient Student loan refinance. Consolidation and refinancing work differently, but both can sometimes help to make the trouble of student debt paying much easier.

Will Navient settle student loans?

There are options to settle a loan with Sallie Mae. Although Navient has a wage garnishment, the settlement is a less likely chance of being there. This is since Navient will continue to be paid as long as you stay at your job. Depending on the situation you may be able to save only about 20-50% of the balance that you owe on your student loans that is serviced by Navient.