HOW TO READ YOUR STATEMENT

Understanding your statement should be simple.

There are two kinds of statements shown below — you may receive both if you have Direct and/or FFELP loans and one or more private loans serviced by us.

FEDERAL LOANS

Navient loan bill

Note that you may receive a statement like this that includes private loans with only a ten-digit Account Number. See the Private Loans guide for loans with a 16-digit Loan Group Number.

  1. Account Number

    The primary identifier for all loans associated to your account.

  2. Past Due Amount (Pay Now)

    The remainder of monthly payment amounts from previous Billing Cycles that have not been satisfied (this does not include fees).

  3. Current Amount Due

    The Monthly Payment Amount or the remainder of the Monthly Payment Amount if an overpayment was received in a previous Billing Cycle.

  4. Current Amount Due Date

    Date that your Current Amount is due.

  5. Total Payment Due

    Past Due Amount + Current Amount Due + Unpaid Fees. This is the amount you need to pay in order to complete your repayment schedule by the projected date (by paying the fees, the remainder of the payment is the amount needed to satisfy the interest and/or principal expected in the repayment schedule).

  6. Payment Slip

    If you are mailing your payment instead of paying online, please detach and include this section of your statement and send it to the address shown here. Also provide your full Account Number on your check to help prevent misapplied payments and processing delays.

  7. Loan Information

    Provides an in-depth, loan-level breakdown of information regarding Unpaid Interest, Unpaid Fees (if applicable), Unpaid Principal, and payments made over the life of the loan.

  8. Billing Period Summary

    Summarizes your Payments Received and Fees Assessed (if applicable) during the Billing Period.

  9. Loan Details

    Shows a detailed view of your individual loans.

PRIVATE LOANS

Navient private loan bill

This guide is intended for private loans with a 16-digit Loan Group Number.

  1. Billing Summary

    Shows your 16-digit Loan Group Number — which is the number you need to reference as you submit payments or if you choose to set up automatic payments through a bill pay service.

  2. Activity Summary

    Provides a breakdown of payments received, Accrued Interest, Fees Assessed, and any adjustments made during this Billing Period.

  3. Past Due Amount (Pay Now)

    The remainder of monthly payment amounts from previous Billing Cycles that have not been satisfied (this does not include fees).

  4. Current Amount Due

    The Monthly Payment Amount or the remainder of the Monthly Payment Amount if an overpayment was received in a previous Billing Cycle.

  5. Current Amount Due Date

    Date that your Current Amount is due.

  6. Total Payment Due

    Past Due Amount + Current Amount Due + Unpaid Fees. This is the amount you need to pay in order to complete your repayment schedule by the projected date (by paying the fees, the remainder of the payment is the amount needed to satisfy the interest and/or principal expected in the repayment schedule).

  7. Loan Information

    Provides a loan-level breakdown of information regarding Unpaid Principal, Interest Rate, Unpaid Interest and Fees, and Current Balance.

  8. Transaction Activity Summary

    Lists your payments and transactions for each loan during the Billing Period. Important messages about your loan will be communicated in this section.

  9. Payment Slip

    If you are mailing your payment instead of paying online, please detach and include this section of your statement and send it to the address shown here. Also, provide your 16-digit Loan Group Number on your check to help prevent misapplied payments and processing delays.


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