Navient is a United State company that is responsible for giving and collecting loans to students. If you are a student and in need of a loan you can visit Navient login and seek help.
It was formed in 1973 by Sallie Mae. Its formation was due to higher education Act of 1965. However, 2004 was the end of Sallie Mae from being a government entity to becoming a private company. Later in 2009 US Department of education gave a mandate to Sallie Mae to service all student loans.
In 2014 Sallie Mae dissolved leading to the formation of Navient. Its main headquarters are in Wilmington, Delaware. It has over 6,000 employees.
Here, you’ll see how to do Navient login on your device. In case you’re new to Navient, I’ll also give you guidelines to do Navient Sign up for free.
Navient Login for Student Loans/Payments
To log in to your account, follow the below steps.
- Visit the Navient sign in page.
- There, enter your User ID and the password.
- You can tick on the box beside “Remember My User ID” in order to ease your login next time.
- After that, proceed to log in.
- You’ll see the account page in a few seconds.
If you want to login through Navient app, then download the app from below sources.
Android users: Play Store app
iOS users: Apple store app
Windows users: Microsoft app
Install the mobile application from the respective store and open it. You’ll see the login screen at the start, provide the details and sign in.
That is quite easy as you only need your User ID and Password.
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Reset Navient Sign In Password or User ID
We don’t plan to forget anything. This is no different for passwords or User IDs of different portals. If you happen to forget your details don’t panic. This is because Navient login has simplified your password or User ID recovery process.
On the login page, click on “Forgot User ID” or “Forgot Password”.
Once you tap on any of the two, follow these guidelines.
For password recovery, you need the following details.
- User ID
- Social Security Number or Account number
- Date of Birth
Once you enter the above details in the spaces provided you can submit.
While if you have forgotten your Navient login User ID, you need your social security number or account number and date of birth.
Then you can submit to recover your User ID.
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Navient Register for Sallie Mae Loans
You don’t need to go physically to a Navient office in order to register but you can do that directly on a phone or computer.
You only need to visit their website in order to register for a student loan. In the login box, click on “Register” option.
To start your registration, you need the following personal info:
- Social Security Number or Account number
- Date of Birth
- Email address
- Phone number
- Zip or postal code
The next step is to input your User ID and Password. Then step 3 is for you to provide email permission. The final step is to Accept terms of use. Once you are done then you are good to log in to your Navient student loan account.
FAQs about Navient Login
Have a look at the FAQ about Sallie Mae Navient.
How do I contact Navient?
You can contact Navient customer service by calling to their Toll-free number. The number is 800-722-1300. You can make a call from Monday to Thursday from 8 AM to 9 PM. And, on Friday, from 8 AM to 8 PM. There is an alternative number if the above number doesn’t connect, that is 317-806-0580. Charges will apply to this number.
Can student loans be forgiven in Navient after 10 years?
No. There is no such loan forgiveness program in Navient. Student loans can be forgiven after 10 years under the Public Service Loan Forgiveness program. The actual time period was 20 to 25 years. But in PSLF, you can qualify for the loan forgiveness if you have paid 120 instalments or 10 years from the beginning.
What is the lawsuit against Navient?
The lawsuit against Navient was filed by a government agency called Consumer Financial Protection Bureau. The lawsuit was said that Navient was processing payments incorrectly, created hurdles for the repayment etc. All these complaints were denied by Navient.
Who are the largest student loan providers?
These are the largest student loan providers:
- Sallie Mae or Navient
- SunTrust
- LendKey
- Citizens Bank
- Student Loan Network
- Social Finance
- Wells Fargo
Navient Loan Payment
This is an important matter for any Navient.com user. You need to learn how the Navient payment method system work. So, many members have had challenges in the past making payments. First, you for successful payment you need to specify your loan type. Either;
- Federal loan
- Private loan
This is so important as you may have several loans to service at the same time. This helps you decide which loan you are servicing when you make an online payment. During payment, Navient login has had to fully distinguish how loan payment works.
When you pay for your loan Navient corporation deducts your unpaid fees, then unpaid interest, and finally unpaid principal. However, this depends on your loan’s terms.
To enable you to understand more let me discuss the different types of loan.
US Department of Education Loans
The following are how payments are made.
- Single Loan (Current Account)
When you make a payment to this account Navient first deducts unpaid interest then unpaid principal. Also, you need to know that your interest accumulates day-to-day.
- Single Loan (Past Due Account)
Like the above loan, the unpaid interest is subtracted first then principal. However, for this type of loan account, your loan will amass higher interests.
- Multiple Loan (Current Account)
Do you have multiple loans? Then you need to merge them in order to make payment simple. Merging of similar loans are known as Billing Group. For multiple loans on a current account, unpaid interest and principal are deducted respectively. If you want to ungroup your multiple loans you can call 800-722-1300 for assistance.
- Multiple Account (Past Due Account)
Once your unpaid interest and principal are fully paid they now deducts your past due amount. This will simplify your payment. You can check this at Navient Inbox.
Payment of Private or Federal Loans by Navient or Non-Government Lenders
Like the US department of education loans, it is divided into four categories.
- Single Loan (Current Account)
- Single Loan (Past Due Account)
- Multiple loans (Current Account)
- Multiple loans (Past Due Account)
In the first two loan types, unpaid will deduct first when you make your initial payment. Then, unpaid interest and finally unpaid principal. However, if you have an FFELP loan in an income-based repayment payment will deduct as follows.
- Unpaid interest
- The Unpaid Fees
- Unpaid principal
For more information on how to pay for your private loan, you can go to Navient.com and select About Payments. Scroll down the page and you will find how a private loan is paid via Navient.
What is the Military Benefit?
If you are a military service man or woman you qualify for student loan benefits too. In order to get the military benefit, you can submit your forms through the following means.
- Log in and securely submit
- Fax to 800-848-1949
- Mail to Navient P.O. Box 9500 Wilkes-Barre, PA 18773-9500
Also, when submitting your application via email ensure that you securely protect your documents. Click the following link to learn more Military Benefits.
To learn more about Navient login or sign up, you can visit their website for more information. Nevertheless, if you have problems navigating through the Navient website or portal you can reach us and we will fully help you. Finally, don’t forget to share this tutorial with others.