How Do I Qualify for a Repayment Plan with Navient?

If you have Navient student loans then there are a number of different payment plans you could qualify for. Any federal Navient loans you have could qualify for an income-driven repayment plan, which includes forgiveness of part of the loan. There are also a number of private sector programs that can help you get lower repayment plans for private Navient loans.

Student loans can be a serious burden, so if you have student loans, you are probably looking to do everything you can to get on a good payment plan. If you have Navient student loans, there are some favorable payment plans you might qualify for. This article will help you find out if you could qualify for any of these repayment plans.

Federal Navient Student Loan Payment Plans

If your Navient loans are federal instead of private, you might qualify for one of these plans:

  • Income-Driven Repayment: Navient federal loans qualify for income- driven repayment plans. Your payment plan will be based on your income, so if you have a low income, you will typically have to make low monthly payments for a longer, possibly 25 year, term. If your income is low enough, you won't have to make any repayments. At the end of the term, you could even get the remainder of your loan forgiven, if you made all of your payments on time.
  • Public Service Loan Forgiveness: If you work in a public sector job, or for a non-profit organization, you could qualify for 10 years of income-driven payments followed by loan forgiveness.

Private Navient Student Loan Payment Plans

Your private Navient loans don't qualify for any of the federal repayment plans. However, there is a variety of private sector programs the can help you refinance your loans and get a more affordable payment plan. Some of these plans are for people working in specific sectors or for certain organizations, like the National Health Service Corps. To find out if you qualify for any of these programs, contact Navient and ask about them.

If you don't Qualify for a Special Plan

If you don't qualify for any of the special low rate payment plans then you will have to make payments at the standard rate. In other words, you will have to have the same plan that everyone else with a loan of your size and interest rate has.

Contacting Navient

To ask about private Navient student loan programs, or to ask any questions, you can contact Navient's customer service representatives. You can reach one on the company help forum or by phone.

Further questions?

Ask a followup or related question and we will try to provide an answer in seconds.
Christian has been writing about long hold times and customer service call center experiences since 2010. He's been featured in Bloomberg, the Wall Street Journal and the Boston Globe.
How Do I Qualify for a Repayment Plan with Navient?

Why does GetHuman Write How-to Guides for Navient Problems?

GetHuman has been working for over 10 years on sourcing information about big organizations like Navient in order to help customers resolve customer service issues faster. We started with contact information and fastest ways to reach a human at big companies. Particularly ones with slow or complicated IVR or phone menu systems. Or companies that have self-serve help forums instead of a customer service department. From there, we realized that consumers still needed more detailed help solving the most common problems, so we expanded to this set of guides, which grows every day. And if you spot any issues with our How Do I Qualify for a Repayment Plan with Navient? guide, please let us know by sending us feedback. We want to be as helpful as possible. If you appreciated this guide, please share it with your favorite people. Our free information and tools is powered by you, the customer. The more people that use it, the better it gets.

Navient

Asked 2 years ago
Updated a year ago
Viewed 1,893,353 times
Navient
Navient student loan plans
Navient loan payment plans
Navient repayment plans
Was this page helpful?
Thank you and please share!
Thank you and please share!
Needs work
Sharing is what powers GetHuman's free customer service contact information and tools. You can help!