Repaying Your Loans

Learn more about repaying your student loans on the

Federal Student Aid Site

Federal Student Aid Videos

Repayment: What to Expect

How to Manage Your Student Loans

Never Miss a Payment – Sign Up for Auto Pay

Your Financial Success

Download tools, learn how to manage your career, and read our Financial Tips Blog in

Money & Finances

Loan Repayment Calculator

Paying even a little extra each month could save you money over the life of your loan.

See what you could save

 
 

Protect Yourself From Fraud

Some third-party companies may claim they can reduce or eliminate your student loan debt, but they charge fees for services that Navient and other federal loan servicers offer for free.

Know the Facts

Navient is committed to helping our student loan customers achieve successful loan repayment, and we are here to help you. If you are having trouble managing your student loans, contact us.

Contact Navient

Don't Get Ripped Off

There are companies that will try to take advantage of you with promises of "student debt relief."

They use aggressive, misleading marketing practices promising you thousands of dollars in savings, through websites, links, and advertisements designed to look like they are part of the federal government.

Or they may say that they have special expertise, special access, or an affiliation with the Department of Education or Navient and other federal loan servicers.

Don't fall victim to companies who promise to fix your student loans if you give them control over your account. Don't pay to enroll in a payment plan that's available for free for all borrowers with federal student loans.

Danger Signs

These danger signs may indicate that you are dealing with a fraudulent, so-called "student debt relief" organization.

  • You are asked to pay high fees in advance. Avoid any company asking you for money before they do anything.
  • You are asked to sign a power of attorney or third-party authorization, AND you are asked not to talk to your loan servicer once you sign the paperwork; or you are asked to provide your federal student aid Personal Identification Number (PIN). Signing unnecessary documents or severing contact with your federal loan servicer may make it easier for the company to defraud you … and harder for you to recover any money you lose to them.
  • You hear a promise to lower your loan payment immediately, cancel your student loan debt, or provide immediate relief from default or garnishment. Under federal student loan programs, debt relief companies do not have the ability to negotiate with your creditors for any special treatment of your loan.
  • You are told their company is affiliated with the U.S. Department of Education, with Navient, or with other federal loan servicers. Be very suspicious if a company uses a logo that resembles a government seal, or misuses words or terms that make it appear to be endorsed by the federal government.

Always contact your federal student loan servicer with any questions regarding your federal student loans.

On Federal Student Aid – Beware: You never have to pay for help with your student loans.