Navient Loan Forgiveness: Who Qualifies Now
Updated on November 13, 2025
Navient no longer forgives or services federal student loans. In 2022, its accounts were transferred to MOHELA and Aidvantage, depending on loan type.
Navient was once part of Sallie Mae before splitting off in 2014, which is why you may still see both names when researching old loans — but their forgiveness programs are separate.
If your loans became Direct Loans, you can still qualify for federal forgiveness and other relief options such as income-driven repayment forgiveness or Public Service Loan Forgiveness.
If they’re FFEL or private Navient loans, they aren’t eligible for federal forgiveness — though other relief options may exist.
Navient doesn’t run a federal student loan forgiveness program. The only major “Navient forgiveness” came from a 2022 state lawsuit settlement that canceled some old private subprime loans, not federal ones.
If you had federal loans that Navient used to service, they were transferred to MOHELA or Aidvantage when Navient left the federal loan business. Those loans are still eligible for programs like PSLF and IDR forgiveness — but through the Department of Education, not Navient.
Forgiveness Options for Private Loans
If your Navient loans are private, you won’t qualify for federal forgiveness programs like PSLF or IDR forgiveness — but there is one narrow path that can erase private Navient debt entirely.
Navient runs a school-misconduct discharge program for borrowers who attended certain for-profit or deceptive schools. It’s similar to the federal Borrower Defense to Repayment program, but for private loans Navient made or serviced. Borrowers must show that their school misled them or violated state consumer-protection laws.
It’s not automatic and applies only to specific schools and loan types. For most private loans, relief still comes through settlement or refinance.
If you’re wondering how to get rid of Navient private student loans, settlement or refinance are your main paths — not federal forgiveness.
Related:
What you need to do depends on who services your loans today — MOHELA or Aidvantage.
If Your Loans Moved to MOHELA (FFEL Loans)
These are older Federal Family Education Loans (FFEL) that don’t qualify for Public Service Loan Forgiveness (PSLF) unless you consolidate them into the Direct Loan Program at StudentAid.gov. After consolidation, you’ll start earning PSLF credit from zero.
If you’re not pursuing PSLF and instead working toward 20- or 25-year forgiveness through Income-Based Repayment (IBR), you can stay where you are. FFEL loans can remain with MOHELA, but IBR is the only income-driven plan available.
Contact MOHELA to ask how many qualifying payments you already have toward IBR forgiveness — that number determines your remaining timeline.
Consolidating now means starting over on your forgiveness clock, so compare both paths before deciding. Parent PLUS loans serviced by MOHELA must also consolidate into Direct Loans before they can qualify for forgiveness.
If Your Loans Moved to Aidvantage (Direct Loans)
These are usually Direct Loans owned by the Department of Education. They already qualify for PSLF and IDR forgiveness without consolidation. You just need to enroll in IBR, keep payments current, and submit all forms through StudentAid.gov — there’s no separate Navient loan forgiveness application.
FAQs
Will there be a Navient student loan forgiveness update in 2025?
There’s no new Navient forgiveness program coming in 2025. The only major Navient loan forgiveness happened through the 2022 state lawsuit settlement, which erased some private subprime loans. Federal loans once serviced by Navient can still qualify for forgiveness — but only through MOHELA or Aidvantage under Department of Education programs.
Is Navient forgiving student loans?
No. Navient stopped servicing federal student loans in 2022 and doesn’t forgive balances. Forgiveness now depends on your loan type and servicer — MOHELA or Aidvantage.
How do I apply for Navient loan forgiveness?
There’s no separate Navient forgiveness application. Federal borrowers apply through StudentAid.gov for PSLF or IDR forgiveness. Private loan borrowers can explore Navient’s limited school-misconduct discharge program.
Will Navient loans ever be forgiven?
No new forgiveness is expected from Navient itself. Only the 2022 settlement canceled select private subprime loans. Federal loans once managed by Navient can still qualify for forgiveness through Department of Education programs.
What’s the best way to get rid of Navient private student loans?
Private loans aren’t eligible for federal forgiveness. The main relief options are settlement (if the loan is in default) or refinance (if current and in good standing).
Was Navient part of Sallie Mae?
Yes. Navient was part of Sallie Mae until 2014, when the company split. Sallie Mae now issues new private student loans, while Navient services older private and defaulted loans. Their forgiveness and relief programs are separate.
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