Navient Contact Information:

Phone number: (800) 722-1300

Hours of operation: 8-9. Mon-Thurs and 8-8 on Fri (ET)

General mailing address:

Navient – U.S. Department of Education Loan Servicing
P.O. Box 9635
Wilkes-Barre, PA 18773-9635

Address for sending payments:

Navient – U.S. Department of Education Loan Servicing
P.O. Box 4450
Portland, OR 97208-4450

Email/online contact form: Must sign in to your account before you can send an email to customer service.


About Navient

Navient is one of the largest student loan servicers in the United States, managing the repayment of student loans for millions of borrowers. The company was originally part of Sallie Mae, a private student loan provider, but became a separate entity in 2014. Navient works with both federal and private student loan programs to help borrowers manage their debt and provide support throughout the repayment process.

The services offered by Navient include loan consolidation, which allows borrowers to combine multiple federal student loans into a single loan with a single monthly payment. This can help simplify the repayment process and lower monthly payments for some borrowers. Navient also offers income-driven repayment plans, which are designed to make student loan repayment more manageable by linking monthly payments to a borrower’s income. This can help lower monthly payments for borrowers who are struggling to repay their loans.

Navient also provides loan rehabilitation services, which allow borrowers who have defaulted on their student loans to get back on track with their payments. This process involves working with a loan servicer to make a series of payments over a set period of time, after which the loan is considered rehabilitated and the default is removed from the borrower’s credit report. Additionally, Navient offers loan forgiveness options for borrowers who meet certain eligibility criteria, such as those who work in certain public service jobs or in certain non-profit organizations.

Despite its role as a student loan servicer, Navient has faced significant criticism for its business practices. The company has been sued by several states and the Consumer Financial Protection Bureau (CFPB) for allegedly mismanaging loans and providing substandard customer service. Critics have accused Navient of steering borrowers towards more costly repayment options, such as loan consolidation and income-driven repayment plans, rather than providing them with information on alternative options that may have been more beneficial to them.

In light of these controversies, Navient continues to be a major player in the student loan industry. The company remains one of the largest student loan servicers in the country and continues to offer a range of services to help borrowers manage their student loan debt. Despite the criticism it has faced, Navient remains committed to helping borrowers successfully repay their loans and achieve their educational goals.


How to Find my Student Loan Servicer?

To find out which company services your student loan, you can follow these steps:

  1. Check your loan paperwork: Your loan servicer should be listed on any loan documents you received when you took out your loan.
  2. Check the National Student Loan Data System (NSLDS): This website, managed by the U.S. Department of Education, provides information on federal student loans, including the name of your loan servicer. To access this information, you’ll need to log in with your Federal Student Aid (FSA) ID.
  3. Contact the Department of Education: If you’re unsure who your loan servicer is or if the information on NSLDS is outdated, you can contact the Department of Education’s Federal Student Aid Information Center by phone at 1-800-4-FED-AID (1-800-433-3243) or online through the website.
  4. Look at your credit report: Your loan servicer may also be listed on your credit report. You can obtain a free copy of your credit report from each of the three major credit reporting bureaus (Equifax, Experian, and TransUnion) once a year.

Once you’ve determined who your loan servicer is, you can reach out to them for assistance with managing your student loans.


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