Independent profile — not affiliated with Navient
Navient
Navient Corporation, headquartered in Herndon, Virginia, owns FFELP and private education loans and, according to its own website, has had its student loan servicing handled by MOHELA since 2024. A CFPB lawsuit filed in 2017 ended in a stipulated judgment entered September 12, 2024 ($100 million redress, $20 million penalty, ban on servicing Direct Loans, no admission or denial), and 39 state attorneys general announced a $1.85 billion agreement in 2022. This page lists where to send disputes, the documented record, and the CFPB, BBB and Trustpilot figures as displayed on October 11, 2026.
Complaints & Reviews on USAComplaints
USAComplaints currently maintains 201 historical complaints about Navient, published between 2000 and 2014. No approved complaints have been published on this site during the last three years. For a current reputation snapshot, see the independent sources below.
- Payment Postponement Requests Ignored, Due Date Passed Anyway
- Dispute of 491 Percent Increase in Loan Total After Letter
- Interest Rate of 10 Percent Versus Federal Discount Rate
- Unemployed and Homeless, Pressured for $400 Payment Anyway
- Parent PLUS Loan Sold to Them Without My Knowledge
- Transferred Three Times, Could Not Understand Representative
- Loans Acquired Without Signed Paperwork, Calls to My Job
- Collection Calls Continue After Loans Paid Off by Refinance
- Nine Daily Calls From Four Numbers Despite Hardship
- Robocalls Continue After Promised Number Removal
- Bills Arrive After Due Date, Payment Misapplied and Reported Late
- Confusing and Rude Service on Smart Option Student Loan
- Spam Emails, Failing Automatic Debit, and Confusing Robocalls
- Why Auto-Dialer Calls Delinquent Borrowers Repeatedly
- Loan Approved, Then Canceled, Forced Out of Graduate School for a Year
- Customer Service Was Helpful When Following Their Policies
- Refuses to Extend Loan Term Past 5 Years Despite 15 Year Limit
- Unable to Get Paid Off Letter Emailed for Home Loan
- Private Student Loan Without Deferment Options for Struggling Family
- Payment Raised to 1500 Monthly Over Cosigner Income, Cut Only 20
Independent Sources
Shown for context — not merged with USAComplaints' own numbers.
Contacts & Login
- Official corporate website: https://www.navient.com/
- MOHELA servicing site named on Navient's Loan Servicing page: https://servicing.mohela.com/
- BBB-listed phone: (888) 272-5543 64 complaints mention this number
Locations
| Type | Address |
|---|---|
| Headquarters | 13865 Sunrise Valley Dr., Suite 300 Herndon VA 20171 |
Navient student loan problems: who services your loan and where to send a dispute (checked October 11, 2026)
Navient's own Loan Servicing page says: "Your loans are serviced by MOHELA," that borrowers log in at servicing.mohela.com "with the same user ID and password as you did with Navient," and that "Navient transitioned all its student loan servicing to MOHELA (with some rare exceptions, such as defaulted loans)." It gives October 21, 2024 as the date MOHELA "began servicing your student loans"; Navient's Form 10-Q for the quarter ended June 30, 2026 says the company "adopted a variable, outsourced servicing model when MOHELA began servicing our loan portfolio in July 2024." The two pages describe the transition differently, so the date on your own transfer notice is the one that matters for your account.
Servicer and loan owner can be different businesses. Navient's page defines the owner as the one that "holds the loan agreement and has the right to collect from the borrower" and the servicer as the one that handles "collecting and processing payments and answering questions." Navient's 10-Q says it owns Private Education Loans and FFELP Loans and is the master servicer for those portfolios, so Navient can appear on a loan as owner while MOHELA is the company you pay and call.
- Federal Direct Loans. The New York Attorney General's January 2022 release says the U.S. Department of Education announced on October 20, 2021 the transfer of Navient's federal servicing contract to Aidvantage, a division of Maximus Federal Services; the CFPB's 2024 order permanently bars Navient from servicing Direct Loans.
- Identify the servicer on your own loan. Federal Student Aid's repayment page tells borrowers to "Find out who services your federal student loan(s)" through StudentAid.gov instead of relying on an old statement, because the servicer on a federal loan record is the one to pay and contact.
- Defaulted loans. Navient's Contact Us page says: "If you have a defaulted student loan that is now being serviced by Navient and have a question, contact the Office of the Customer Advocate (OCA)"; the page's OCA link is a mailto address, [email protected], and the page also offers an appeal route for an OCA response.
- Payments and account questions. Navient's page says to "continue to use the same address to send payments," addressed to MOHELA, and to visit servicing.mohela.com "for all questions related to your loans."
- Credit report errors. The CFPB says to dispute with the credit reporting company (in writing, with supporting documents) and also with the furnisher; disputes to a furnisher "can be sent to the furnisher's address included on your consumer report," and furnishers "generally must investigate and respond to your dispute within 30 days" of receiving it. On an unfamiliar company name, the CFPB says creditors "may sell your accounts or use a third-party collection company," so an unfamiliar name can appear on a report, and that incorrect information should be disputed.
- Complaint to a regulator. The CFPB accepts complaints about student loans and student loan servicing through its website or at (855) 411-CFPB (2372).
The CFPB's 2024 release says "Consumers do not need to do anything to obtain redress" and warns that the CFPB "will never require consumers to pay money to obtain redress." The CFPB's case payment page, last modified February 13, 2026, says affected consumers "are receiving a check," lists the payment period as "February 13, 2026 – Ongoing," and says the payments "do not change or reduce any student loans." It names Rust Consulting as administrator, at 1-800-711-8418 or [email protected]. Keep copies of every letter, payment confirmation and servicing notice.
CFPB lawsuit and 2024 order, 39-state settlement, and other government actions
CFPB v. Navient (M.D. Pa. No. 3:17-cv-00101). The CFPB filed suit on January 18, 2017 against Navient Corporation, Navient Solutions, LLC and Pioneer Credit Recovery, Inc. The CFPB alleged, among other things, that Navient steered borrowers in long-term hardship into forbearance instead of income-driven repayment, misled borrowers about recertification and about cosigner release, made payment-processing errors, and violated Regulation V (FCRA) for borrowers with total and permanent disability discharges; it alleged separately that Pioneer and Navient Corporation misled borrowers about loan rehabilitation. Navient said at the time that the allegations were "unfounded" (statement shown on its BBB profile). On September 12, 2024 the court entered a stipulated judgment and order.
The order states: "Defendants neither admit nor deny any allegations in the Complaint, except as specified in this Order." Its terms include a $100 million judgment for consumer redress (jointly and severally), a $20 million civil money penalty, a permanent ban on servicing Direct Loans, a prohibition on consumer-facing servicing of FFELP loans and on acquiring additional FFELP loans (with limited exceptions described in the order), and conduct requirements for borrower communications and payment processing.
Payments under the 2024 order. The CFPB's "CFPB v. Navient" payment page (last modified February 13, 2026) lists the compensation type as "Bureau Administered Redress," the status as "Ongoing," and the payment period as "February 13, 2026 – Ongoing." It says "Affected consumers are receiving a check" and that the payments "do not change or reduce any student loans affected consumers may have." Rust Consulting administers the payments and answers questions at 1-800-711-8418 (toll-free), [email protected], or CFPB v Navient, P.O. Box 2561, Faribault, MN 55021-9561.
39 state attorneys general, January 13, 2022. A bipartisan coalition announced a $1.85 billion agreement with Navient. The New York Attorney General's release says it cancels nearly $1.7 billion of subprime private student loan balances for nearly 66,000 borrowers, provides $95 million in restitution (about $260 each) to approximately 350,000 federal loan borrowers placed in certain long-term forbearances, and requires Navient to pay $142.5 million to the states; it also lists conduct reforms. The release describes the underlying claims as allegations ("allegedly") and says the agreement required court approval. The release says qualifying borrowers did not need to act beyond keeping their StudentAid.gov address current; this relief (private loan cancellation or restitution) differs from the 2024 CFPB payments, which the CFPB says do not change loan balances.
Earlier actions cited by the CFPB. The CFPB's 2024 release states that in 2014 the Department of Justice and the FDIC ordered Navient and its predecessor Sallie Mae to pay almost $100 million for overcharging nearly 78,000 servicemembers, and that in 2021 the Department of Education ordered Navient to return more than $22 million in overcharges. These are the CFPB's descriptions; the underlying orders were not separately opened for this page.
Company position and status. Navient's BBB profile still displays a January 2017 notice calling the CFPB suit "pending" with Navient's statement that the allegations are unfounded; as displayed on 2026-10-11 it had not been updated to reflect the 2024 order. Navient's June 30, 2026 Form 10-Q says the company is "named as defendant in a number of putative class action and other cases" under consumer protection laws (TCPA, CFPA, FCRA, FDCPA) and that it regularly receives requests from regulators; it does not itemize individual cases.
Who Navient is, what it owns, and what it sold
Navient Corporation is headquartered at 13865 Sunrise Valley Dr., Suite 300, Herndon, Virginia, and trades on Nasdaq as NAVI. The CFPB describes it as "formerly known as Sallie Mae" and a nonbank that "owns and services student loans." Navient's website footer names Navient Solutions, LLC (NMLS #212430) as the copyright holder of the navient.com site, and the CFPB's case page lists Navient Solutions, LLC as a Navient Corporation subsidiary. BBB's raw profile data shows a business start date of January 1, 1973, incorporation and new-ownership dates of May 1, 2014, and a BBB file opened October 17, 2014.
The company's Q2 2026 Form 10-Q lists three segments: Consumer Lending (Private Education Loans, with the Earnest brand originating in-school and refinance loans), Federal Education Loans (FFELP loans, about $26.6 billion net at June 30, 2026), and Other. It says Navient completed the sale of its healthcare services business in September 2024 and its government services business in February 2025, and that MOHELA began servicing its loan portfolio in July 2024. Navient's "Our Story" page lists "Transfers Department of Education student loan servicing contract" under 2021 and "Finalized agreement to transition our student loan servicing activities to MOHELA" under 2024.
Sister and counterparty entities named in the sources: Pioneer Credit Recovery, Inc. (a Navient subsidiary at the time of the CFPB suit) and MOHELA (the servicer of Navient's portfolio; the CFPB order defines the "MOHELA Transaction" as one "under which MOHELA became a Sub-Servicer to Navient Solutions," and Navient's page says MOHELA "is not purchasing or merging with Navient").
Data-security disclosure. In a Form 8-K dated July 2, 2026 (Item 1.05), Navient said it became aware on June 8, 2026 of a ransomware attack on a third-party law firm that provides services to the company, and that the firm told it an unauthorized actor accessed Company-related data the firm held, "such as customer names, date of birth, addresses and Social Security numbers." Navient said it is notifying affected individuals and regulators as required, that law enforcement was notified, that "the incident was limited to the Firm's environment," and that it "has not identified any evidence of unauthorized access to its own systems." It determined the incident to be material on June 29, 2026. Its Form 10-Q for June 30, 2026 repeats the disclosure. These are the company's statements; no regulator or court finding about the incident was reviewed for this page.
Complaint record: CFPB database, BBB and Trustpilot as displayed on 2026-10-11
The CFPB Consumer Complaint Database lists 43,766 complaints for the company name "Navient Solutions, LLC." (first received March 1, 2012; latest October 8, 2026). By product label: Student loan 35,780; Debt collection 4,065; credit reporting categories 2,950 + 800 + 31 under three different product labels; the rest are in smaller categories. In the last 12 months (since October 11, 2025) the database shows 637 complaints, 479 of them labelled Student loan. Company-response labels in the database across all years: closed with explanation 41,164; closed with non-monetary relief 1,275; closed with monetary relief 1,010; closed without relief 257. These are consumer submissions that the CFPB does not verify.
BBB lists Navient (headquarters profile, Wilmington, DE) as accredited since September 15, 2022 with an A+ rating, 237 complaints in the last three years (4 in the last 12 months) and 1.06 out of 5 from an average of 34 customer reviews. Trustpilot shows 1.7 out of 5 from 18 reviews on a claimed profile with no recent history of asking for reviews. The BBB rating is BBB's own assessment of how the business handles complaints; the review scores are from the people who chose to post.
These counts come from different sources, measure different things and are not added together or averaged here.
Archive complaints on this site. No approved post in the usacomplaints.com archive names Navient (checked 2026-10-11 against titles, offender fields and text), so this page shows no site complaints and no complaint-theme counts. The archive does hold 357 older posts (2000 to 2014) filed under the names Sallie Mae and SLM; they are not linked to this page and are not part of any figure above.
Court record
The principal court case documented here is the CFPB's suit in the U.S. District Court for the Middle District of Pennsylvania (No. 3:17-cv-00101). According to the CFPB's case page, Navient moved to dismiss on March 24, 2017 and the court denied the motion on August 4, 2017; Navient moved for judgment on the pleadings on July 10, 2020, which the court denied on January 13, 2021; and the court entered the stipulated judgment and order on September 12, 2024. The CFPB lists the case status as "Post Order/Post Judgment."
Navient's Form 10-Q describes individual and putative class actions alleging violations of the TCPA, CFPA, FCRA, FDCPA and state consumer protection laws without naming them or estimating exposure. Individual private cases were not separately researched for this page.
Is Navient Legitimate?
Navient Corporation is an SEC registrant (CIK 1593538; most recent quarterly report filed August 7, 2026), is headquartered in Herndon, Virginia, and shows NMLS #212430 for Navient Solutions, LLC on its website. Its 10-Q states that it is subject to examination by agencies including the SEC, CFPB, FFIEC and the Department of Education. It is also the defendant named in the CFPB order and the 39-state agreement described above; the CFPB order says the defendants "neither admit nor deny" the complaint's allegations, and the New York Attorney General's release describes the state claims as allegations.
Navient says its website and subsidiaries "are not sponsored by or agencies of the United States of America." If a message claims to be from Navient and asks for a fee to obtain redress or relief, the CFPB's release says it "will never require consumers to pay money to obtain redress."
Court & Public Records
| Case | Authority | Dates | Type | Outcome | Source |
|---|---|---|---|---|---|
| Consumer Financial Protection Bureau v. Navient Corporation, Navient Solutions, LLC and Pioneer Credit Recovery, Inc. Docket No. 3:17-cv-00101 | U.S. District Court, M.D. Pennsylvania | Settled | Settled Stipulated final judgment and order entered September 12, 2024 (Doc. 583). It enters a $100 million judgment for consumer redress and a $20 million civil money penalty, permanently bars Navient from servicing Direct Loans, restricts consumer-facing servicing and acquisition of FFELP loans, and imposes conduct requirements. The order states that "Defendants neither admit nor deny any allegations in the Complaint, except as specified in this Order." | Source |
Company Relationships
- Affiliated with: Navient Solutions, LLC
- Formerly known as: Sallie Mae
Frequently Asked Questions
When did MOHELA start servicing Navient loans?
Navient's Loan Servicing page gives October 21, 2024 as the date loans "officially transferred to MOHELA." Navient's Form 10-Q for June 30, 2026 says MOHELA began servicing its loan portfolio in July 2024. The CFPB order defines a "MOHELA Transaction" under an agreement dated May 7, 2024.
Who handles a defaulted student loan that Navient still services?
Navient's Contact Us page says: "If you have a defaulted student loan that is now being serviced by Navient and have a question, contact the Office of the Customer Advocate (OCA)," and offers an appeal route for an OCA response. The page's OCA link is a mailto address, [email protected].
What did the 2024 CFPB order require of Navient?
The stipulated judgment entered September 12, 2024 requires $100 million in consumer redress and a $20 million civil money penalty, permanently bans Navient from servicing Direct Loans, bars consumer-facing servicing of FFELP loans and acquiring additional FFELP loans (with limited exceptions), and states that the defendants "neither admit nor deny" the complaint's allegations.
Are checks being paid under the CFPB v. Navient case, and do they change my loan?
The CFPB's case payment page, last modified February 13, 2026, says affected consumers "are receiving a check," gives the payment period as "February 13, 2026 – Ongoing," and says the payments "do not change or reduce any student loans." Rust Consulting administers the payments at 1-800-711-8418 or [email protected]. The CFPB's 2024 release says consumers "do not need to do anything" and that the CFPB "will never require consumers to pay money to obtain redress."
What was the 2022 settlement with state attorneys general?
On January 13, 2022, 39 attorneys general announced a $1.85 billion agreement: nearly $1.7 billion of private loan balances cancelled for nearly 66,000 borrowers, $95 million in restitution (about $260 each) for approximately 350,000 federal loan borrowers, and $142.5 million paid to the states, with conduct reforms. The New York Attorney General's release describes the underlying claims as allegations and says qualifying borrowers did not need to act beyond keeping their StudentAid.gov address current.