Contact Navient
We can help you make the right plan for your situation.

Income-Driven Plans

Learn more about income-driven options and eligibility at Federal Student Aid

Federal Loan Forgiveness

Learn more about loan forgiveness, cancellation, and discharge at Federal Student Aid

Navient path to success

Our interactive series helps you manage your finances.

Your Financial Success

10 Things To Do Before You Make Your 1st Loan Payment

Money Saving Tips

Set Your Financial Goals

Make A Budget


Avoiding Default

If you have a federal loan and you're having a problem making your payments, the first thing you should do is contact us. We can help you find a solution, like a new repayment plan that lowers your monthly payments or a deferment based on your situation.

If you have a private loan, contact Navient and your other loan servicers to find out what options are available.

Contact us at 800-722-1300 and let us help you make the right decision for your situation.

Becoming Delinquent

Delinquency occurs when you don't make your monthly loan payments on time. Your loan is considered delinquent when one payment is missed, and consumer reporting agencies may be notified of the past due amounts.

Learn to manage money better with Financial Awareness Counseling on

Moving Into Default Status

Default occurs when you are 270 days or more past due on your federal student loan. Defaulting will harm your credit, and can affect your ability to qualify for a car loan or home mortgage.

If you default on your student loan:

  • You may hurt your chances of getting a job if your employer performs a credit check.
  • You may lose your entitlements to deferment or forbearance options.
  • You may lose your eligibility for future student financial aid.
  • Your wages may be garnished.
  • Your IRS tax refund may be seized.
  • You may be sued for the balance of your loan.

Contact us at 800-722-1300 and let us help you make the right decision for your situation.