How do I contact Navient by phone?
Be sure to contact us at 888-272-5543 so we can help you select the right program for your situation.
Is Navient part of the Department of Education?
Navient processes and services on behalf of the U.S. Department of Education , education loans owned by the the U.S. Department of Education . This policy describes the U.S. Department of Education’s principles and practices regarding the sharing of customer information with other entities.
Who can I call about student loan forgiveness?
Whom do I contact with questions about Public Service Loan Forgiveness (PSLF)? Our “Public Service Loan Forgiveness ” page has basic information. You can also explore common questions about the program. If you still have questions, contact FedLoan Servicing at 1-855-265-4038.
Is Navient forgiving all student loans?
Navient borrowers with federal student loans may be eligible for one of the federal student loan forgiveness programs, such as Public Service Loan Forgiveness or forgiveness through an income-driven repayment plan. However, forgiveness through these programs takes diligence and it isn’t immediate.
How do I talk to someone at Navient?
How to Call a Live Person in Navient Customer Service Dial 1-888-272-5543. Say “Representative” Say the subject of your call. Say “Representative” Enter your account information. Stay on the line. After that, the automated phone system will connect you to a live customer service agent from Navient .
How can I get my student loans forgiven?
Key Takeaways Student loan forgiveness can be earned in two ways: by working in public service or by making payments through an income-contingent payment plan for a (long) period of time. Only federal direct loans qualify for loan forgiveness —you can’t get it for private loans .
What happens if you never pay your student loans?
If you miss a payment on your federal student loans you have 270 days to make a payment before your debt goes into default. Once federal student debt is in default, the government is able to garnish your wage, your Social Security check, your federal tax refund and even your disability benefits.
Is Navient a federal or private loan?
Navient is one of the largest federal student loan servicers. It also services private student loans from various lenders.
Do I qualify for the Navient lawsuit?
Even if you have not received an email regarding this lawsuit , but you have declared bankruptcy since October 2005 and you had, at the time of your bankruptcy, student loans owned and/or serviced by Navient Solutions and/or Navient Credit Finance Corporation, then you may be eligible to join this lawsuit .
Does student loans go away after 7 years?
Your responsibility to pay student loans doesn’t go away after 7 years . But if it’s been more than 7.5 years since you made a payment on your student loan debt , the debt and the missed payments can be removed from your credit report. And if that happens, your credit score may go up, which is a good thing.
Will the government ever forgive student loans?
Federal student loans offer benefits that many other loans don’t. One benefit is the ability to qualify for loan forgiveness —under special circumstances, the federal government may forgive part, or all, of your federal student loans . This means you’re no longer obligated to make your loan payments.
How do I know if I qualify for student loan forgiveness?
To qualify for the Public Service Loan Forgiveness program (PSLF), you must be a full-time employee (at least 30 hours per week) in a public service job. You must also make 10 years of on-time monthly payments (120 total) after consolidating your federal loans in a qualified repayment program.
How can I get rid of student loans without paying?
Actually, there are eight ways, and they’re all perfectly legal. Enroll in income-driven repayment. Pursue a career in public service. Apply for disability discharge. Investigate loan repayment assistance programs (LRAPs). Ask your employer. Serve your country. Play a game. File for bankruptcy.
Can you negotiate with Navient?
Navient will not accept settlement offers on federal student loans . It is not authorized to do so. It is just a loan servicer for federal loans. So if you ‘re in an interest rate reduction plan, forbearance, deferment, or simply paying as agreed, you will be told you cannot settle your student loan debt.
How do I get Navient student loans forgiven?
If you have federal Navient student loans , here are three forgiveness options that are available to you. Income-driven repayment forgiveness . Currently, the Department of Education offers four income-driven repayment (IDR) plans. Public Service Loan Forgiveness . Teacher Loan Forgiveness .