Contact Us

Call our Military Benefits Team at 855-284-4879, Monday – Thursday, 8 a.m. – 9 p.m. ET or Friday 8 a.m. – 8 p.m. ET

We also offer 24/7 automated phone support.

Or send us an email.

Living abroad? Call 001-888-272-5543 (toll-free)

Understand Your Service Member Benefits

Learn about the SCRA 6% interest rate cap, and more.

Submitting Documents

You served your country with pride.

Now bring your drive, determination, and skills to help our 31 million customers navigate the path to financial success.

Join Navient – check out our job openings.

Members of the U.S. Armed Forces – What you need to know about your federal student loan benefits:

 
 

More Military Benefits

There are more benefits beyond SCRA that may help you as a member of the military.

We also encourage you to register online for account access, where you can update your contact information, make and view payments, sign up for electronic communications and enroll in automatic debit so you never miss a payment, even if you are deployed abroad.


Military Service Deferment

Active Duty: You can postpone federal student loan repayment during certain periods of active duty, such as during war, other military operation or national emergency, and immediately following active duty.

Post-active Duty: You may be eligible for a deferment of your federal student loans if you’ve served on active duty on or after October 1, 2007, and were enrolled at least half time at an eligible school at the time of, or within six months prior to being called to active duty.

Public Service Deferment: Only available to federal loans disbursed before July 1, 1993. You can postpone federal student loan repayment if you are serving on active duty status in the U.S. Armed Forces (the Army, Navy, Air Force, Marine Corps, and Coast Guard).

To apply for deferment:
Note: The first 12 months of a Military Service Deferment may be applied from verbal request. Subsequent periods for this deferment will require your active duty Military orders.

OR

Download the Military Service and Post-Active Duty Deferment Request form

Download the Public Service Deferment Request Form

Public Service Loan Forgiveness (PSLF)

You may qualify for forgiveness of the remaining balance of your Direct Loans when you’ve made 120 qualifying payments after October 1, 2007 under a qualifying repayment plan. You must have been employed in public service, or government organization, for the qualifying payments.

Learn more about Public Service Loan Forgiveness on the Federal Student Aid website


0% Interest / Military No-Interest Accrual Benefit

You may be eligible for the Military No-Interest Accrual (MNIA) benefit while you are serving active duty or performing National Guard duty, during a war, other military operation, or national emergency and are serving in a hostile area that qualifies you for special pay under 37 U.S.C. § 310 ("MNIA Qualifying Duty"). During MNIA Qualifying Duty, you're eligible for 0% interest on your Direct Loans for up to 60 months.

This benefit is only available for Direct Loans, disbursed on or after October 1, 2008. For Direct Consolidation Loans, this benefit applies to the portion of the consolidation loan that repaid loans first disbursed on or after October 1, 2008.

To request the MNIA benefit:

  • Provide your written request, along with a copy of your military orders showing you’re on MNIA Qualifying Duty to

    Navient
    P.O. Box 9500
    Wilkes-Barre, PA 18773-9500
    Fax: 800-848-1949

Repayment Based on Income

There are repayment plans that base your monthly payment on a federal formula that considers your income, state of residence, and family size. These plans may help you qualify for a low or zero monthly payment amount with the possibility of forgiveness of the remaining balance in the future.

Learn more about repayment plans based on your income


HEAL Loan Deferment

This deferment is available for up to three years to borrowers of Health Education Assistance Loans (HEAL) who are members of the U.S. Armed Forces. This program was discontinued in 1998.

To apply for deferment:

OR

Download the Borrower Deferment Request form


HEROES Act Waiver

While you are on active duty, the Department of Education waives many documentation requirements attached to program benefits.

For example, if you are on a repayment plan based on your income, and military service prevents you from providing updated information on your family size and income, you can use the Heroes Act waiver to maintain your previous payment amount without updating your information while you're deployed.

To find out more:

  • Call our dedicated Military Benefits Team at 855-284-4879 Monday – Thursday 8 am – 9 pm ET, Friday 8 am – 8 pm ET
  • Or email MilitaryBenefits@Navient.com

HEROES Act Extensions

Your loan status will be preserved if you are called to active duty, during your grace period, in–school deferment or graduate fellowship deferment.

To find out more:

  • Call our dedicated Military Benefits Team at 855-284-4879 Monday – Thursday 8 am – 9 pm ET, Friday 8 am – 8 pm ET
  • Or email MilitaryBenefits@Navient.com

Department of Defense Student Loan Repayment Program

In certain circumstances, as determined by the Department of Defense (“DOD”), all or a portion of your federal student loans may be repaid by the Department. If you qualify for the DOD Repayment Program, you may also be eligible to postpone your payments by requesting mandatory forbearance.

To submit a request:

Download the Mandatory Forbearance Request form

Learn more about DOD Student Loan Repayment Program


Veterans Total and Permanent Disability Discharge

If you have a service-related disability, you may qualify for the discharge of your federal and private student loans.

You'll need to provide documentation from the Department of Veterans Affairs showing that you’ve been determined to be unemployable due to a service-connected disability.

Learn more about Total and Permanent Disability (TPD) Discharge on the Federal Student Aid website

To find out more about Total and Permanent Disability (TPD) Discharge on private loans:

  • Call our dedicated Military Benefits Team at 855-284-4879 Monday – Thursday 8 am – 9 pm ET, Friday 8 am – 8 pm ET
  • Or email MilitaryBenefits@Navient.com

Military Private Loan Postponement

Military deferment or forbearance may be available for military personnel with private student loans. Eligibility is determined based on the type of loan and whether you are still in school or have finished school and when the request is made. Interest is not capitalized at the end of the deferment/forbearance period.

Deferment: The maximum period for a single military deferment is three years, but additional time can be granted afterward.

Forbearance: For National Military Forbearance/Military Operation Benefit Forbearance, there’s no time limit if supported with a copy of military orders. This forbearance does not count against available voluntary forbearance time.

To find out more:

  • Call our dedicated Military Benefits Team at 855-284-4879 Monday – Thursday 8 am – 9 pm ET, Friday 8 am – 8 pm ET
  • Or email MilitaryBenefits@Navient.com