Is Navient a Federal or Private Student Loan?

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Stanley tate

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Navient is one of the largest servicers of federal student loans. It also services, refinances and owns private student loans. Because Navient handles both federal and private student loans, borrowers are often confused whether they're eligible for deferment/forbearance, student loan forgiveness, income-driven repayment plans, discharge due to disability, or whether they can settle their loans for less than the current balance.

Below, I'll show you how to find out if your student loan with Navient is federal or private. That way, you'll know your rights and can better tackle your student loan debt.

Navient services federal and private student loans

Navient is a federal student loan servicer for loans owned by the U.S. Department of Education and guaranty agencies like Ascendium. It also services private student loans made by various lenders. And it owns loans that were either made by Navient or that Navient acquired after the loans were made by private banks like JP Morgan Chase (e.g., Tuition Answer Loans or Signature Student Loans).

Navient was created in 2014 to take over federal student loan servicing for Sallie Mae after the Federal Family Education Loan (FFEL) Program ended. Chances are, if your student loans started off with Sallie Mae but were later transferred to Navient, then your loan is likely a federal student loan.

How to find out if your Navient loan is federal or private

You can find out if your studentloans with Navient are federal or private by checking using your FSA ID. That website stores information about all the Federal Student Aid you received, including loans and grants. If you can't find your Navient loan on that website, it's likely a private student loan.

Are Navient loans owned by the Department of Education? Navient services federal student loans owned by the Department of Education. But it also handles loans owned by guaranty agencies and private loans made by private lenders.

How to contact Navient customer service

You can also get details about your student loan by contacting one of the Navient customer service departments

  • FFEL and HEAL: (888) 272-5543
  • U.S. Department of Education student loans: (800) 722-1300
  • Private student loans: (888) 272-5543
  • Military service members: (855) 284-4879

You can also email and upload documents after logging into your Navient account. You'll need your Navient user ID and password to log in to your account. If you don't know your user ID or password, you can use your Social Security number or account number to retrieve your details. And if you haven't set up your account yet, you can also use your Social Security number or account number to register. You can find your Navient account number in the top right corner of your billing statement.

Navient Federal Loan Options

Navient services many types of federal student loans, including:

  • Direct Subsidized and Unsubsidized Loans
  • Direct Consolidation Loans
  • Parent PLUS Loans
  • ​Federal Family Education Loans
  • ​Health Education Assistance Loan (HEAL) Program Loans

Here are a few of the payment options your Navient federal student loans are entitled to:

  • repayment options based on your income-driven repayment plans (IDR)
  • the ability to pause student loan payments via deferment or forbearance
  • loan cancellation due to total and permanent disability
  • loan forgiveness under the Public Service Loan Forgiveness Program (PSLF) and after 20/25 years of on-time payments

Unfortunately, the federal government hasn't created a program to lower your interest rate or loan balance. You can, however, refinance your federal loans with a private lender to get a lower interest rate. But if you do that, you'll lose access to federal benefits like IDR plans and loan forgiveness.

Navient Private Loan Options

Navient offers student loan borrowers limited repayment options.

If you're struggling to repay your loans, you can ask for a forbearance. You can also request to make lower monthly payments under the interest rate reduction program. However, those solutions are typically short-lived. Plus, they don't stop your loan balance from growing.

Refinancing for a lower interest rate may be an option. But depending on your income and credit score, you may need a cosigner.

Another option is to negotiate a settlement. However, you'll need to default first. A student loan default will put negative marks on your credit report and put you at risk of being sued by Navient and wage garnishment.

Need help with a Navient student loan? Let's talk.

Now that President Biden has announced the coronavirus forbearance is ending next January, you need to review your student loan repayment options to set yourself up for success.

If you want to go over your options, schedule a free 10-minute phone call with me. I've got years of experience helping people like you with their student loans.

Reach out. I can help you develop a strategy to tackle your student loan debt once and for all.

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I'm a student loan lawyer that helps people like you with their federal and private student loans wherever they live.

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