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This December, Aidvantage will begin servicing your student loans owned by the Department of Education (ED) instead of Navient.

This is a normal business practice that happens from time to time – you’ll simply be working together with Aidvantage instead of Navient. While not much is changing (e.g., account number, contact information, etc.), we understand you may have questions along the way.

This site will be your central resource, helping you understand how everything works and – more specifically – what it means for you.

Who is Aidvantage

Aidvantage (the federal loan servicing unit of Maximus Education, LLC) has one mission – to help you manage the repayment of your federal student loan and support your financial success.

Navient is transferring its Department of Education servicing to Maximus Education (Aidvantage).

When it’s official...

Aidvantage will send you a welcome letter with your loan details.

Then, you can access your Aidvantage.com account and contact them for anything to do with your loans going forward.

Once your ED-owned loans are on their system, Aidvantage will become your new student loan servicer. To let you know when it’s official, they’ll send you a welcome letter with your loan details.

Have FFELP and/or private loans with Navient? Only your ED-owned FFELP and/or Direct loans are being reassigned to Aidvantage. If you have other loans (FFELP and/or private) with Navient, we will continue to service those for you. Because you will have two servicers – Aidvantage and Navient – once it’s official, you’ll need to manage those loans separately with each servicer – e.g., log in to different websites, make separate payments, and enroll in repayment plans independently.

COVID-19 relief measures end Jan. 31, 2022

The COVID-19 relief measures (payment suspension and 0% interest rate) on ED-owned loans will end January 31, 2022. Visit StudentAid.gov/coronavirus for updates.

Frequently Asked Questions for Borrowers

Aidvantage (the federal loan servicing unit of Maximus Education, LLC) has one mission – to help you manage the repayment of your federal student loan and support your financial success. Navient is transferring its Department of Education servicing to Maximus Education (Aidvantage).

Aidvantage will begin servicing your ED-owned loans this December. In the meantime, you’ll receive additional communications to keep you updated along the way. When it’s official, Aidvantage will send you a welcome letter with your loan details.

Good news – not much is changing. Here’s a quick snapshot of what to expect.

Stays the same

  • Your loan terms, interest rate, and benefits
  • Account number
  • The number you call to ask questions
  • Addresses to mail payments and send correspondence
  • Your user ID and password

What’s new

  • The website you use to log in
  • Who you work with to manage your account and make payments

Servicing transfers are a normal business practice that happen from time to time. Aidvantage is replacing Navient as the servicer of your ED-owned loans. Please note: Aidvantage is not purchasing or merging with Navient.

No action is needed. You will continue to receive your communications with Aidvantage the same way you do today.

Your Auto Pay enrollment will automatically switch to Aidvantage, but confirmation may be required if your payments are suspended due to the coronavirus emergency.

Auto Pay will not occur during the COVID-19 payment suspension (unless you’ve opted out). For your Auto Pay to resume after the payment suspension ends, you must confirm your enrollment if you signed up for Auto Pay prior to March 13, 2020 – when these emergency relief measures became available. You can confirm enrollment online at Navient.com or by phone. You’ll also receive additional reminders over the coming months if you haven’t confirmed your enrollment and still need to take action.

Yes, any repayment plan options available to you and borrower benefits provided in your promissory note will continue at Aidvantage.

The loan owner holds the loan promissory note and has the right to collect from the borrower. In this case, the Department of Education owns the loans that are moving from Navient to Aidvantage.

A loan servicer handles details on behalf of the loan owner, in this case, the Department of Education, such as collecting and processing payments and answering questions.

Once it’s official, Aidvantage will send you a welcome letter so you’ll know your loans are with Aidvantage and you can access your online account at Aidvantage.com, begin sending payments to Aidvantage, and contact Aidvantage with any questions about your loans.

Continue to use the same address you use today to send payments. Once it’s official, you’ll just need to update who it’s addressed to on your check - Aidvantage.

For any inquires about this transition or other loan needs, please continue to contact Navient until Aidvantage officially becomes your servicer.

All your ED-owned FFELP and/or Direct loans currently serviced by Navient will be reassigned to Aidvantage. However, any other loans, such as FFELP and/or private, will continue to be serviced by Navient. You can go to Studentaid.gov and log in to see a complete list of your federal student loans held by any servicer.

No. When your loans move to Aidvantage this will automatically be updated on their system. Remember, unless you’ve opted out, your payments are temporarily suspended due to the COVID-19 emergency. Those relief measures will end Jan. 31, 2022. Visit StudentAid.gov/coronavirus for updates.

Please wait to access your online account until your loans are officially with Aidvantage (after you receive a welcome letter confirming your loan details). At that point, you’ll be able to use the same user ID and password that you use today – you’ll just be logging in to a different site.

No. Congress sets interest rates from the U.S. Department of Education through legislation that ties the rate to financial markets. Your student loan servicer does not set your student loan interest rate and cannot change it.

Remember, due to the COVID-19 emergency, your interest rate was temporarily reduced to 0%. Those relief measures will end Jan. 31, 2022. Visit StudentAid.gov/coronavirus for updates.

Once your ED-owned loans are officially with Aidvantage, you will have two servicers. Aidvantage will service your ED-owned loans and Navient will service the others (FFELP and/or private). This means you’ll need to manage those loans separately with each servicer – e.g., log in to different websites, make separate payments, and enroll in repayment plans independently.

On July 8, 2021, PHEAA announced they will no longer service ED-owned loans. As a result, the Department of Education is moving PHEAA’s loan volume to various servicers – in your case, to Navient. In December, Navient is transferring its Department of Education servicing to Maximus Education (Aidvantage) and your loans will be reassigned to them – making Aidvantage your new student loan servicer.

Note: You now have a new account number and contact information (which will stay the same at Aidvantage).

Save yourself a future step and set up your online account at Navient.com. Check out your loan details, sign up for eDelivery, make payments, view available repayment options, and much more. If you set up a Navient.com account before your loans are with Aidvantage, your user ID and password will remain the same at Aidvantage.

PHEAA announced that it will stop servicing federal student loans when its current contract ends. In the coming months, PHEAA will be working with Federal Student Aid (FSA) to conduct a smooth transition of your loans to a different servicer over the next year. PHEAA will continue to service all loans until they are transferred to another FSA-designated servicer. Please note that this change will not affect the existing terms, programs, or available repayment plans on your loans nor will it affect the temporary suspension of payments and 0% interest benefits applied for the COVID-19 emergency.

Communications will be sent as more details become known. You can also visit StudentAid.gov/fedloan for the latest updates and information on loan transfers.

Important PSLF update: The Department of Education announced a limited waiver for the Public Service Loan Forgiveness Program (PSLF) with the goal to reach a broader audience of qualified borrowers. The implementation of this initiative will take some time, so account level detail may not be available for several months. The Department of Education will ultimately determine how the waiver will impact your specific outcome, please refer to StudentAid.gov/pslfwaiver for the most recent information.

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