Managing Your Account

MAKING PAYMENTS

Pay only past due amounts

Log in and select Custom Pay > Specify for Each Loan.
Input the past due amounts, which are displayed in red in the Amount Due column.
Select Preview to check your inputs.
Select Submit to make the payment.

How to pay a past-due amount only

See how it's done:

Find out where to mail your payment

Go to Contact Us and select the type of loans you have.
If you don’t know the type of loans you have, log in and view them on your Account Summary or Loan Details pages.
Find the corresponding Loan Payments mailing address.
IMPORTANT: Be sure to include your remittance slip and write your full account number on your check – and include any special instructions on a separate piece of paper.

Change your payment due date

First, you must be in repayment and your account must be current.
Log in and select Help Center in the left menu.
At the bottom of the page, select "Email Navient with your question."
Choose the Payments category, then Change my due date.
For federal student loans, request a date between the 1st and 28th of the month.
For private student loans, request a date between the 3rd and 22nd of the month.
Select Submit to send your request. We’ll confirm the change within 2-4 business days.
IMPORTANT: If your current due date is too close to the one you requested, we may have to make the change effective for the next month’s payment, and you may need to make one more payment by the current due date.

Pay with a debit card

Go to Contact Us and select the type of loans you have.
If you don’t know the type of loans you have, log in and view them on your Account Summary or Loan Details pages.
Call the corresponding toll-free number to use our automated phone system.
Say "Make a payment" and follow the system prompts.

Get the status of a recent payment

Log in and view the status of payments you made – online or on the phone – in the Recent Payments list.
IMPORTANT: If you made a payment on a weekend or holiday, you might not see your payment reflected online yet – and the loan status in the Your Loans list may display the loan as PAST DUE. If that’s the case, please allow an additional day for your payment to clear. Once it is processed, your payment will be credited effective as of the scheduled payment date.

Add or remove a bank

Log in and select the Profile icon and Edit Your Profile – or select the person icon or your name at the top of the page.
On the Profile page, scroll down to the Bank section.
Select Remove this bank or Add a new bank and follow the instructions.
IMPORTANT: If you remove a bank that’s enrolled in Auto Pay, your Auto Pay will also be canceled, and you will lose benefits associated with it.

Enroll in Auto Pay

Log in and select Auto Pay.
Select a bank account or add a new one.
Input the amount you’d like to pay toward each loan.
Select Preview to check your inputs.
Select Submit to enroll.

Change or cancel Auto Pay

To change a bank that’s in Auto Pay, you need to cancel your current Auto Pay and reenroll.
Log in and select the Profile icon and Edit Your Profile – or select the person icon or your name at the top of the page.
On the Profile page, scroll down to the Bank section.
Select Cancel Auto Pay below the details of the current Auto Pay and select Yes.
To reenroll, select Auto Pay in the left menu and follow the instructions.
IMPORTANT: Depending on when you cancel and reenroll, you may need to make a manual payment to keep your account current.

Add more to your Auto Pay amounts

Log in and select Auto Pay.
Input the amount you’d like to pay toward each loan. (Loans with a 16-digit loan number can only be enrolled for the Monthly Payment Amount at this time.)
Select Preview to check your inputs.
Select Submit to change your amounts.

Auto Allocate an overpayment across loans

Log in and select Custom Pay > Auto Allocate.
Input the overpayment amount, deselect any loans not to pay, and select Next.
Specify the allocation method for this overpayment.
Select Preview to check your inputs.
Select Submit to make the payment.

Auto Allocate an underpayment across loans

Log in and select Custom Pay > Auto Allocate.
Input the underpayment amount, deselect any loans not to pay, and select Next.
Specify the allocation method for this underpayment.
Select Preview to check your inputs.
Select Submit to make the payment.

Change payment directions

Log in and select the Profile icon and Edit Your Profile – or select the person icon or your name at the top of the page.
On the Profile page, select the blue edit icon next to Payment Directions.
Choose your preferred overpayment allocation and billing direction.
Select Submit to save your changes.

Get a loan payoff amount

Log in and select a loan, or select Loan Details in the left menu and then select a loan.
Ready to pay off this loan today? provides your payoff amount.

Apply For

An Income-Driven Repayment (IDR) plan

Go to StudentAid.gov and log in.
If you’ve forgotten your FSA ID or password, follow the instructions to reset them.
Be sure to have your IRS information ready so proof of income can be pulled in automatically.
If you can’t import your IRS data, provide proof of income as instructed.

Need help? Check out this useful guide on how to complete the IDR online application >

A different repayment plan

Log in and select Repayment Options in the left menu.
Go to "Help me select a repayment plan that’s right for me."
Select the Explore Federal Loan Repayment Plans button – or contact us at 888-272-5543 for private loan options.
Input and submit your family size and income information.
View each plan you’re eligible for by choosing from the dropdown or using the Next and Previous links at the bottom of the page.
Follow the instructions – go to StudentAid.gov to apply for an Income-Driven Repayment (IDR) plan, or apply online for a non-IDR plan.

A deferment

Log in and select Repayment Options in the left menu.
Go to "I need to stop making payments for a while."
Select your circumstances, and then choose your specific situation.
Answer the online questionnaire and submit your deferment request.
Follow the instructions for submitting additional documentation, if required.

An in-school deferment

Log in and select Repayment Options in the left menu.
Go to "I need to stop making payments for a while."
Then go to "I’m in school – or a fellowship program, internship/residency, parent of student, or school teacher."
Choose your specific situation.
IMPORTANT: If you select "In school full time," you may not need to submit your request, especially if your school participates in the National Student Clearinghouse or NSLDS database – because Navient checks them both for students who have returned to school.
You can also download the form, get it certified by an authorized official at your school, then log in and select Inbox / Upload in the left menu to upload your completed form.

Forbearance

Log in and select Repayment Options in the left menu.
Go to "I need to stop making payments for a while."
Then go to "I don’t qualify for a deferment and need temporary relief – I’m interested in a forbearance."
Choose your specific situation.
Answer the online questionnaire and submit your forbearance request.
Follow the instructions for submitting additional documentation, if required.
IMPORTANT: Be sure you understand the impact of forbearance as you determine if this option is right for you. Learn more at StudentAid.gov.

Military benefits

If you’re requesting SCRA (Servicemembers Civil Relief Act) benefits, log in and select Tools & Requests in the left menu.
Select Servicemember Request Form.
Choose your situation and select Next.
Log in and select Inbox / Upload in the left menu to submit your supporting documentation.

Loan forgiveness, cancellation, or discharge

Go to StudentAid.gov to see if you qualify.
Find the form you need, download it, and input your information.
Print the form and sign it.
Log in and select Inbox / Upload in the left menu to submit your completed form to Navient.
IMPORTANT: Completed forms for federal loan Public Service Loan Forgiveness and Total and Permanent Disability discharge must be returned to the U.S. Department of Education’s servicer for these programs. Learn more at StudentAid.gov.

Teacher Loan Forgiveness

Download the form and input your information.
Print the form, sign it, and provide it to your CAO (Chief Administrative Officer) for certification.
Ensure all the CAO information is signed and complete.
Log in and select Inbox / Upload in the left menu to submit your completed form.

Public Service Loan Forgiveness

Go to StudentAid.gov.
Use the PSLF Help tool to find out if you qualify.
Print the form, sign it, and provide it to your employer for certification.
Submit the completed form to FedLoan Servicing.

Check the status of a request

You’ll receive an email (or letter, if you’re not signed up for eDelivery) when we have an update for you about the status of your request.
To view the update, follow the email link or log in and select Inbox / Upload in the left menu.
Select the Inbox link at the top of the page — you may see 2 links if you have different types of loans.
Select the PDF, IMG, or HTML button (if available) to view our communication to you.

FIND DOCUMENTS AND PROVIDE DOCUMENTATION

Get monthly statements and correspondence

Log in and select Inbox / Upload in the left menu.
Select the Inbox link at the top of the page — you may see 2 links if you have different types of loans.
Select the PDF, IMG, or HTML button (when available) to view your documents.
To see some documents you provided to us, select the Documents You Sent to Us tab — this page only displays certain documents we received within the last 7 calendar days.

How to find communications in your account

See how it's done:

Upload forms and documentation

Log in and select Inbox / Upload in the left menu.
Select the type of documents to upload, expanding the options as needed.
Browse your computer to find each document and select Upload File.
When all documents are uploaded, select Submit Documents.

How to upload a document

See how it's done:

Download your Form 1098-E tax statement

Log in and select Tax Statements in the left menu.
Select the document to download by its tax year.
If you have different loan types, there will be multiple forms in the file.

Submit a Reaffirmation Agreement

Download the form and input your information.
Print the form, sign it, and provide it to your school for completion.
Ensure all the school information is signed and complete.
Log in and select Inbox / Upload in the left menu to submit your completed form.

Update and Track

Update your Profile information

Log in and select the Profile icon and Edit Your Profile – or select the person icon or your name at the top of the page.
On the Profile page, select the blue edit icons to update specific information.
Select Submit to save your changes.

How to update your profile information

See how it's done:

Get your account number

Log in and select the Profile icon or Account Profile below your name at the top of the page.
On the Profile page, next to Account #, select + show full number.
Select - hide to display only the last 4 digits again.
Your 10-digit account number is also viewable on the billing statements we’ve sent you.

Email us with questions

Log in and select Help Center in the left menu.
At the bottom of the page, select "Email Navient with your question."
If you have multiple loan types, indicate the one you’re emailing us about, or select All at the bottom.
Choose a category.
Type your question and select Submit.
One of our specialists will reply within 2 business days.
Log in and select Inbox / Upload to view their reply in your Inbox.

How to email Navient

See how it's done:

Find out what type of loans you have

Log in and view each loan’s Type in the Your Loans list.
Or go to Loan Details and scroll down to see the Loan Type – select the blue info icon there to learn more about the types of loans.

Find out which repayment plans your loans are in

Log in and select a loan, or select Loan Details in the left menu and then select a loan.
The Repayment Plan is listed at the top of each Loan Details page.

How to read your statement

Visit our How to Read Your Statement page for a quick guide to help you understand your monthly statement.
If you're signed up for eDelivery, log in to access your statement online in your inbox.

Estimate your interest payments

Log in and select Tools & Requests in the left menu.
Select Interest Estimator.
Choose up to 31 days in the future and select Calculate.

View your declining balance

Log in and select Account History in the left menu.
From the Display dropdown, select By Loan.
View the Unpaid Principal column for each loan’s declining balance by selecting the loan from the dropdown.

Save your Account History for your records

Log in and select Account History in the left menu.
Choose the view you want from the Display and Date Range dropdowns.
Export or Print your data.

Print an account letter for a mortgage company or other lender

Log in and select Tools & Requests in the left menu.
Select Printable Account Information.
Print the document.

How to print an account letter

See how it's done:

Authorize us to provide information to a 3rd party

Log in and select Tools & Requests in the left menu.
Select Authorization to Release Information.
Input the 3rd party information and select Submit.

Submit a name change or birthdate correction

Log in and select the Profile icon and Edit Your Profile – or select the blue person icon or your name at the top of the page.
On the Profile page, select the blue info icon next to your name or date of birth to find out which documentation you need to submit.
Select Inbox / Upload in the left menu to submit your documents.