Your federal student loans with Navient qualify for PSLF, but any private student loans you have with them do not.
If you work for the government or a nonprofit organization, any federal student loan debt you have with Navient qualifies for Public Service Loan Forgiveness and the Limited PSLF Waiver — but you’ll need to consolidate the loans into a Direct Consolidation Loan.
The PSLF Program forgives the remaining balance owed on one type of loan only: Federal Direct Loans. If Navient has your federal student loans, those aren’t Direct Loans. They’re likely a Federal Family Education Loan or Federal Perkins Loan.
Related: FFELP Loan Forgiveness
To find out what type of loans you have, check your account with Navient or on the Federal Student Aid website, studentaid.gov. Federal loans will have names like:
Those loans are eligible for PSLF and, depending on your adjusted gross income during the pandemic, President Biden’s loan cancellation. Read more about Biden’s $10k student loan forgiveness.
Any private student loans with Navient aren’t eligible for this debt relief opportunity. If you’re struggling to make monthly payments, consider refinancing with a new private lender to get a lower interest rate or longer repayment term.
Related: How to Get Rid of Navient Private Student Loans