Navient Department of Education Loan Servicing Online Consumer Information Privacy Policy

This website is operated by Navient in connection with the processing and servicing of education loans owned by the U.S. Department of Education.

We know that you are concerned about privacy and the security of your personal information. We are committed to protecting the online security and privacy of consumers who use our web sites, mobile device-enabled web sites or downloaded mobile applications (collectively referred to as “Sites”). We also want you to know how we use and protect the information we receive about you on our Sites. Please also see the U.S. Department of Education Gramm-Leach-Bliley Act Privacy Notice.

Collecting Information

We collect only limited "personally identifiable information" on our Sites. Personally identifiable information is information about you such as your name, address, phone number and email address. In general, the categories of personally identifiable information that we collect about you on our Sites include your name, address and other contact information, and other information pertinent to processing and servicing your loan. We gather this information so we can process and service your loan and in order to administer our business. We also collect some information because federal or state law requires it.

Log and Other Information

Our servers may automatically collect and store certain technical information when you visit or use our Sites including information such as the Internet Protocol (IP) address of the device you use to connect to the Internet, browser type, device type, mobile device ID (UDID), screen size and resolution, Internet Service Provider (ISP), the Site you came from and exited to, operating system, date/time stamp, and pages visited.

Cookies and Other Technologies

We or our third-party service providers may place and read data stored (via session and/or persistent "cookies" or other device specific storage capabilities) on the device you are using, and use other technologies such as Web beacons, clear GIFs, tracking pixels and tags, when you visit or use our Sites or open a Navient email. Cookies are small data files that are placed on your device for a variety of purposes, including to identify your device and/or your account when you return to a Navient Site. You can generally remove, block, or disable cookies by using the settings located in your browser. If you decide to remove or not accept cookies, some features and services on our Sites may not work properly.

Using Information

We and third parties, including our service providers, may use information from our server logs, cookies and other technologies, in combination with information you provide, transaction information, and information that we or they collect from others, to develop, deliver and improve our products and services, to process your transactions, to fulfill legal and regulatory requirements, and as otherwise permitted by applicable law. For example, we may use the information to:

  • Operate Navient Sites;
  • Deliver products and services to people who use our Sites;
  • Understand how visitors use our Sites, assist us with resolving visitors' questions regarding the use of our Sites, and determine whether the content on our Sites is effective;
  • Improve our Sites and service offerings;
  • Personalize your experience on the Sites and customize the communications you receive from us; and
  • To let us know which emails have been opened by recipients to understand the effectiveness of our communications and to make those communications more useful to you.

Sharing Information

We disclose nonpublic personally identifiable information to third parties as necessary to process and service your loan and as permitted by the Privacy Act of 1974. The Privacy Act permits disclosure to third parties as authorized under certain routine uses. Examples of disclosures permitted under the Privacy Act include disclosure to federal and state agencies, private parties such as relatives, present and former employers, and creditors, and our contractors for purposes of administration of the student financial assistance programs, for enforcement purposes, for litigation, and for use in connection with audits or other investigations. We do not sell or otherwise make available any information about you to any third parties for marketing purposes.

Additional Information

Unless prohibited by law, you have the right, upon reasonable notice, to view any personally identifiable information collected from you through your visits to or use of our Sites, to make corrections to such information if necessary, or to request that such information be removed from our systems. You may do so by contacting us at the address indicated below.

We do not intend to collect personal information from children under 13 years of age. If we learn that we have collected this information from a child under the age of 13, we will promptly take all reasonable steps to delete the data from our system.

Some of our Sites also permit you to access non-Navient Sites directly from our Sites. It is important to remember that if you link to a non-Navient Site from any of our Sites, that party's privacy policy and its terms and conditions of use apply to you. We encourage you to learn about each third party's privacy policy before giving your information to them.

In our information technology systems environment, we maintain administrative, technical, and physical safeguards (including secure disposal methods) designed to protect your personal information. Only those employees with a business need to access your nonpublic personal information may do so and only for that reason.

Contacting Us

If you have any questions or comments about this policy, you are welcome to write or call us toll free at:

Navient Department of Education Loan Servicing
P.O. Box 9635
Wilkes-Barre, PA 18773-9635
(800) 722-1300

Hours of operation:
Monday – Thursday 8 a.m. to 9 p.m., and Friday 8 a.m. to 8 p.m., ET.

Privacy Act Notice

The Privacy Act of 1974 (5 U.S.C. 552a) requires that the following notice be provided to you:

The authority for collecting the requested information from and about you is 421 et seq. of the Higher Education Act of 1965, as amended (20 U.S.C. 1071 et seq.). The principal purpose for collecting the information about you on this website is to allow the electronic servicing of your loan. Your disclosure of the requested information is voluntary, but you must provide the requested information in order to participate in electronic servicing of your loan. The information in your file may be disclosed, on a case-by-case basis or under a computer matching program, to third parties as authorized under routine uses in the appropriate systems of records notices. The routine uses of this information include, but are not limited to, its disclosure to federal, state, or local agencies, to private parties such as relatives, present and former employers, business and personal associates, to consumer reporting agencies, to financial and educational institutions, and to guaranty agencies in order to verify your identity, to determine your eligibility to receive a loan or a benefit on a loan, to permit the servicing or collection of your loan(s), to enforce the terms of the loan(s), to investigate possible fraud and to verify compliance with federal student financial aid program regulations, or to locate you if you become delinquent in your loan payments or if you default. To provide default rate calculations, disclosures may be made to guaranty agencies, to financial and educational institutions, or to state agencies. To provide financial aid history information, disclosures may be made to educational institutions. To assist program administrators with tracking refunds and cancellations, disclosures may be made to guaranty agencies, to financial and educational institutions, or to federal or state agencies. To provide a standardized method for educational institutions to efficiently submit student enrollment status, disclosures may be made to guaranty agencies or to financial and educational institutions. To counsel you in repayment efforts, disclosures may be made to guaranty agencies, to financial and educational institutions, or to federal, state, or local agencies.

In the event of litigation, we may send records to the Department of Justice, a court, adjudicative body, counsel, party, or witness if the disclosure is relevant and necessary to the litigation. If this information, either alone or with other information, indicates a potential violation of law, we may send it to the appropriate authority for action. We may send information to members of Congress if you ask them to help you with federal student aid questions. In circumstances involving employment complaints, grievances, or disciplinary actions, we may disclose relevant records to adjudicate or investigate the issues. If provided for by a collective bargaining agreement, we may disclose records to a labor organization recognized under 5 U.S.C. Chapter 71. Disclosures may be made to our contractors for the purpose of performing any programmatic function that requires disclosure of records. Before making any such disclosure, we will require the contractor to maintain Privacy Act safeguards. Disclosures may also be made to qualified researchers under Privacy Act safeguards.

The effective date of this Online Consumer Information Privacy Policy is September 8, 2020. It replaces all prior online information privacy policies issued by Navient Corporation, Navient Solutions, LLC or any other Navient company with respect to this website. We reserve the right to change our Online Consumer Information Privacy Policy. Any changes to our Online Consumer Information Privacy Policy will be reflected in the updated version displayed at our corresponding websites.

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