If you’re one of the many Americans carrying federal or private student loans, there’s a good chance you’ve encountered the name Navient. As one of the largest student loan servicers in the country, Navient has played a major role in managing education debt. But its recent changes, lawsuits, and shifts in servicing responsibilities have left many borrowers feeling uncertain—and that’s where Student Loan Professor can help.
What Is (or Was) the Navient Student Loan Program?
Navient was formerly a major federal student loan servicer, spun off from Sallie Mae in 2014. It serviced both federal and private loans, including:
- Federal Family Education Loans (FFEL)
- Direct Loans (before transferring accounts in 2021)
- Private student loans
However, in October 2021, Navient transferred its federal loan portfolio to Aidvantage, a division of Maximus. If your loan was federally held and previously managed by Navient, it is likely now under Aidvantage’s management.
Navient still services private student loans and commercial FFEL loans, and these are the borrowers who may benefit the most from expert guidance today.
Why Borrowers Are Frustrated
Over the years, Navient has faced criticism for practices that allegedly pushed borrowers into costly forbearances rather than income-driven repayment plans. The Consumer Financial Protection Bureau (CFPB) and several states have sued Navient, alleging deceptive servicing practices. In 2022, Navient agreed to a $1.85 billion settlement that included:
- Debt cancellation for certain private loan borrowers
- Restitution payments to some federal loan borrowers
Still, millions of people with Navient loans are navigating a confusing system on their own—and often overpaying or missing opportunities for relief.
How Student Loan Professor Can Help
At Student Loan Professor, we specialize in untangling the complexity of student debt. For borrowers still dealing with Navient—whether with private loans or commercially held FFEL loans—we offer tailored solutions to:
- Determine eligibility for income-driven repayment plans, forgiveness programs, or consolidation.
- Navigate transfer confusion if your loan moved from Navient to Aidvantage
- Assess whether your loan qualifies for the IDR Account Adjustment or other temporary forgiveness opportunities.
- Evaluate your loan type to ensure you’re not missing federal protections.
Key Takeaways
- Navient no longer services federally owned student loans but still manages private and commercial FFEL loans.
- Many borrowers could benefit from consolidation or repayment strategy reviews.
- Student Loan Professor offers one-on-one consultations to help borrowers lower payments, maximize forgiveness, and get peace of mind.
Ready for Relief?
If you’re still carrying Navient loans, or just feeling lost in the process, now’s the time to get expert support. Our team at Student Loan Professor will review your situation and give you a clear, personalized roadmap.
Schedule your consultation today and take the first step toward financial freedom.
Brandon Barfield is the President and Co-Founder of Student Loan Professor, and is nationally known as student loan expert for graduate health professions. Since 2011, Brandon has given hundreds of loan repayment presentations for schools, hospitals, and medical conferences across the country. With his diverse background in financial aid, financial planning and student loan advisory, Brandon has a broad understanding of the intricacies surrounding student loans, loan repayment strategies, and how they should be considered when graduates make other financial decisions.
