Is Navient a Federal or Private Loan?

Navient services federal and private loans. Check or contact Navient to find out about your loans.

Cecilia ClarkOct 9, 2020
Is Navient a Federal Loan?
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Key takeaways

  • Navient services federal and private student loans and provides private student loan refinancing.

  • The best way to determine if you have federal or private students loans is to check

  • If you need to borrow money for college, exhaust federal student loans before taking out a private student loan.

Navient is one of the largest federal student loan servicers. It also services private student loans from various lenders.

Navient was created in 2014 to take over Sallie Mae’s federal student loan servicing arm. If you had a Sallie Mae loan through the federal government before 2014, it is likely now serviced by Navient.

Navient doesn’t originate its own private student loans, but does offer private student loan refinancing to existing customers by invitation only.

Most student loans are federal. But if you’re still unsure about whether your student loan is federal or private, the best way to find out is by logging in to with your FSA ID. All federal loan information is housed there. If you don’t find your loan information through, you have a private student loan.

How to contact Navient customer service

You can also get details about your student loan by contacting the Navient customer service department:

  • Phone: 800-722-1300.

  • Web:

  • Email: Send emails through your Navient account on

You’ll need your Navient user ID and password to log in to your account. If you don’t know your user ID or password, use your Social Security number or account number to retrieve your details. You can also use your Social Security number or account number to register your Navient account if you haven’t set it up yet.

The Navient account number is located at the top right corner of your billing statement.

If you need money for college, file the FAFSA and exhaust grants and scholarships before using federal student loan options. Federal student loans have benefits not available for private loans and often come with lower interest rates. Look to private student loans only if you still have funding gaps.

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