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Updated on November 4, 2025

If you still see Navient listed on your account, it’s not an active federal loan. Navient no longer services loans for the Department of Education. Those federal loans were transferred to MOHELA or Aidvantage in 2022.

Today, Navient only manages private student loans and defaulted federal loans that were pulled back for collection.

How to Tell if Your Navient Loan Is Federal or Private

To tell if your Navient student loan is federal or private, check StudentAid.gov.

If your loan is listed there, it’s federal.
If it’s not, it’s private.

Federal loans will show a loan type — like Direct Subsidized, Direct PLUS, or FFEL.

What to Do if Your Loan Is Federal

If your loan shows up on StudentAid.gov, it’s owned by the Department of Education. You’ll manage it through your new servicer — MOHELA or Aidvantage — not Navient.

Here’s what to do next:

Create or log in to your account with your current servicer.
Enroll in an income-driven repayment (IDR) plan to keep payments affordable.
If you work in public service, submit a PSLF form to start or continue forgiveness credit.

What to Do if Your Loan Is Private

If your loan isn’t listed on StudentAid.gov, it’s a private Navient loan. Private loans don’t qualify for federal forgiveness, but you still have leverage.

Your main options:

Stay current — or consider refinancing if you have good credit and want a lower rate.
If you’ve fallen behind, you can often negotiate a settlement for less than you owe.
Check school-misconduct eligibility if you attended a for-profit program — some older private loans were forgiven through that route.

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What to Do if Your Loan Is in Default

If Navient or a collection agency is contacting you, your loan is likely in default — federal or private.

You can:

Rehabilitate or consolidate a federal loan to restore eligibility for forgiveness and new payment plans.
Negotiate a settlement if it’s private or too old to enforce.

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