Navient No Longer Servicing Federal Student Loans

Navient was one of the federal student loan servicers that managed loans.
Eliza Haverstock
Anna Helhoski
By Anna Helhoski and  Eliza Haverstock 
Edited by Des Toups
Navient Federal Loan Servicing: What You Need to Know

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Navient was one of the companies that serviced federal student loans by collecting and tracking payments. On Oct. 20, 2021, Navient announced it would end federal student loan servicing after Dec. 31, 2021. All federal loans in the Navient portfolio were transferred to Aidvantage.

Navient will continue to service FFEL Program loans issued by the government and owned by private lenders. It also remains a lender for private student loans.

Once your federal student loans transfer to Aidvantange, here's what your new servicer can help you do:

  • Register for online access to your account. Once you have access you can contact your servicer, see your monthly billing statements and pay bills.

  • Enroll in autopay. Your servicer can deduct your payments automatically from your bank account. Signing up for autopay will reduce your interest by 0.25 percentage point.

  • Sign up for income-driven repayment. You can request income-driven repayment, which limits your student loan payments to a percentage of your income, by completing a paper form with your servicer (You can apply online on and then recertify your income each year online as well.)

  • Process deferment and forbearance requests. Your servicer can help you temporarily stop making payments or reduce your payment amount if you qualify. This helps you stay in good standing to avoid default. But during any periods of deferment or forbearance, interest can continue to build.

  • Process monthly payments and extra payments. Your servicer will track and collect your payments. If you want to make additional payments, you can instruct your servicer (online, by phone or by mail) to apply extra payments to your current balance. Otherwise, it may apply the additional amount to next month’s payment instead.

Your loan servicer is assigned by the U.S. Department of Education when your loan is disbursed to your college for the first time. The name of the company sending you a federal loan bill every month is your servicer. If your loan payments haven’t begun or you’re not sure which company is your servicer, log in to My Federal Student Aid to find out. You can also get in touch with any of the loan servicer contact centers by calling 1-800-4-FED-AID.

Servicers are there to help you, but they may offer choices that are best for the company, not the borrower. That means they can’t change how payments are processed and may not suggest the most beneficial repayment option for you. It’s most important to know your repayment options so you can know the right questions to ask.

Am I stuck with my servicer until my loans are paid off?

Loans are sometimes transferred from one servicer to another by the Department of Education.

Prior to servicing contracts ending, borrowers should do the following:

  • Download and save your payment history from your online account or request a copy from your servicer.

  • Update your contact information with your most recent address, phone number and email address.

You’ll be notified when a loan servicing transfer happens, and you’ll manage payments with the new servicer. All servicers deliver the same options and programs, but customer service may differ from one to another.

When your loan transfers, you'll receive information explaining how to access your account via its servicing portal and sign up for online payments, autopay and email-only notifications. Even if you had these features set with your previous servicer, you'll have to start them up again with your new servicer.

You are likely to remain with your assigned servicer unless you act to switch servicers. Use this tool to find out what might work for you.

The federal student loan servicers

Learn more about each of the federal loan servicers, including what they can do and how to contact.

Aidvantage (took over Navient portfolio)

Edfinancial Services (took over GSMR portfolio)

American Education Services manages only FFEL Program debt.

Default Resolution Group services only federal student loans in default.

ECSI is a servicer for borrowers with federal Perkins loans.

FedLoan Servicing is no longer active.

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