How to Consolidate Student Loans With Navient

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Stanley Tate

#1 Student Loan Lawyer

Updated on October 6, 2022

Student loan borrowers can consolidate federal student loans with Navient for free at The steps are:

  1. Login to using your Federal Student Aid (FSA) ID.

  2. Click “Menu” > “Manage Loans” > and “Consolidate My Loans”.

  3. Click the blue “Start” button in the middle of the screen.

  4. Review the federal student loans being included in the consolidation.

  5. Confirm the loan amount and fixed interest rate (the interest rate is a weighted average of the interest rate of the loans included) for your new Direct Consolidation Loan.

  6. Choose a loan servicer (FedLoan Servicing, Great Lakes, Navient, Nelnet, etc.).

  7. Choose a repayment plan.

  8. Review the new loan terms.

  9. Submit the consolidation application.

  10. Wait for your chosen loan servicer to process the application and issue you a new monthly payment.

Due to COVID, the federal government has authorized the U.S. Department of Education to place most federal student loans into forbearance. The forbearance ends on December 31, 2020. After that, your student loans will enter repayment.

Can you consolidate Navient student loans?

Student loan borrowers can consolidate federal student loans that Navient acts as the student loan servicer for.

You cannot, however, include private student loans into your new Direct Consolidation Loan.

Only federal student loans are eligible for the consolidation loan program.

To get a lower monthly payment or remove a cosigner for your private student loans with Navient, look into refinancing.

​Click here to learn How to Remove a Cosigner From a Student Loan?

Does Navient consolidate private student loans?

Navient does not consolidate private student loans. But Navient does refinance private student loans through its subsidiary, NaviRefi.

Let me explain the difference.

Consolidation typically refers to the process of consolidating one or more federal student loans into a Direct Consolidation Loan.

Consolidation rarely leads to a lower interest rate.

It does, however, often lead to qualifying for loan forgiveness programs (e.g., the Public Service Loan Forgiveness Program) and better repayment plans (e.g., income-driven repayment options).

The U.S. Department of Education allows borrowers to consolidate federal student loan debt for free at

Your credit score has no impact on your eligibility for student loan consolidation.

The Department of Education does not do a credit check before approving a consolidation application.

Refinancing typically refers to borrowers paying off their federal or private student loan debt.

Refinancing often leads to a lower interest rate and better student loan repayment terms.

Navient student loan refinancing rarely leads to more loan forgiveness options.

Navient, like other private lenders, will do a credit check before approving your application.

So if you have negative items on your credit report, you may want to get those removed from your report before you submit a student loan refinance application.

Click here to learn:

How long does it take to consolidate student loans with Navient?

Typically, it takes Navient about 6 to 8 weeks to process your consolidation application after receiving it.

During the first two weeks, Navient is contacting your various loan holders to identify the total amount due on your federal education loans.

Once they have that information, Navient will prepare a loan summary statement.

The loan summary statement explains:

  • what loans are included in the consolidation

  • your estimated loan payments under different repayment options, and

  • applicable student loan forgiveness options

You have 10 days to review the statement.

Once that time’s up, Navient will start the processing of paying off your old federal student loans and then issuing the new Direct Consolidation Loan.

If completing the consolidation quickly is your concern, say because you want to get rid of defaulted student loans to get an FHA mortgage, contact Navient and waive the 10-day waiting period.

Should I consolidate my student loans with Navient?

Navient isn’t a perfect student loan servicer. They make mistakes. They also have, in the past, been accused of actions that have harmed student loan borrowers.

​The same can be said and has been said of the other loan servicers.

​In my experience, my clients have had success in getting their consolidation applications quickly approved by Navient.

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