Loan servicer · complaint record
Navient complaints
Filed under Navient Solutions, LLC.
Consumers have filed 43,811 complaints about Navient since 2012, 617 of them in the last 12 months (-47% on the year before). It answered 100% on time and closed 0% with relief for the customer - less often than a typical loan servicer. The most common problem is dealing with your lender or servicer. It is the 6th most complained-about of 47 student loan servicers this year.
Average response record. How it works
- Complaints on record
- 43,811
- Last 12 months
- 617
- Answered on time
- 100%
- Closed with relief
- 0%
- Last 30 days
- 27
- Rank
- #6 of 47
Since March 2012
-47% vs the year before
Industry: 68.4%
Typical loan servicer: 2%
Newest: Nov 13, 2026
Most complained-about student loan servicers
Navient complaints by month
The busiest month was January 2017 (3,874 complaints). Complaints in the last 12 months are down 47% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How Navient answered last 12 months
- Closed with monetary relief10.2%
- Closed with explanation60998.7%
- In progress71.1%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
- Answers on time45/45100% on time
- Relief for customers1/400.2% closed with relief
- Complaint trend15/15-47% vs last year
What Navient complaints are about
Top Navient problems last 12 months
Inside "Dealing with your lender or servicer"
- Received bad information about your loan 4,496
- Trouble with how payments are being handled 3,403
- Don't agree with the fees charged 1,413
- Problem with customer service 1,004
- Need information about your loan balance or loan terms 737
- Keep getting calls about your loan 719
Where Navient complaints come from
Most complaints: California (4,370), Florida (3,232), New York (3,068), Texas (2,891), Georgia (2,189).
Navient compared with other student loan servicers
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | Maximus Federal ServicesStudent loans | 56 | 4,107 | C |
| 2 | Edfinancial ServicesStudent loans | 55 | 2,684 | C |
| 3 | Sallie MaeStudent loans | 93 | 1,112 | A |
| 4 | NavientStudent loans | 61 | 617 | C |
| 5 | Climb CreditStudent loans | 47 | 446 | D |
| 6 | AES / PHEAAStudent loans | 96 | 307 | A |
| 7 | Heartland Payment SystemsStudent loans | 36 | 216 | D |
| 8 | AscentStudent loans | 46 | 81 | D |
Compare side by side: Navient vs Maximus Federal Services · Navient vs Edfinancial Services · Navient vs Sallie Mae · Navient vs Climb Credit
What people say about Navient
All experiencesNo experiences with Navient yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Navient complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Nov 13, 2026 | Credit reporting | Incorrect information on your reportAccount information incorrect | Explained |
| Nov 13, 2026 | Student loans | Dealing with your lender or servicerTrouble with how payments are being handled | Explained |
| Nov 12, 2026 | Student loans | Dealing with your lender or servicerDon't agree with the fees charged | Explained |
| Nov 11, 2026 | Student loans | Dealing with your lender or servicerCo-signer | Explained |
| Nov 11, 2026 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Nov 10, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Nov 10, 2026 | Student loans | Dealing with your lender or servicerNeed information about your loan balance or loan terms | Explained |
| Nov 9, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Nov 8, 2026 | Student loans | Struggling to repay your loanCan't get other flexible options for repaying your loan | Explained |
| Nov 6, 2026 | Student loans | Struggling to repay your loanProblem with forgiveness, cancellation, or discharge | Explained |
| Nov 6, 2026 | Student loans | Getting a loanChanges in terms mid-deal or after closing | Explained |
| Nov 5, 2026 | Student loans | Dealing with your lender or servicerCo-signer | Explained |
Questions about Navient
How many complaints does Navient have?
Navient has 43,811 complaints on record since March 2012, including 617 in the last 12 months and 27 in the last 30 days. That makes it number 174 of every company by complaints this year.
Does Navient respond to complaints?
Yes. Navient answered 100% of its complaints on time (within 15 days) and closed 0% with relief - money back or a fix; 0.2% ended with money back. The rest were mostly closed with an explanation only. Its Response Score is 61/100 (grade C).
What do people complain about most with Navient?
The most common problems are dealing with your lender or servicer (11,824), struggling to repay your loan (5,951), incorrect information on your report (3,246).
Is Navient legit?
Navient is a real company with a public complaint record: consumers have complained about it 43,811 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Navient legit? for the signals, red flags and how to protect yourself.
Are complaints about Navient going up or down?
Down. There were 617 complaints in the last 12 months against 1,170 in the 12 before (-47%). See every month.
How do I file a complaint against Navient?
Complain to Navient in writing first and keep a copy. If it isn't fixed, file an official complaint with the federal consumer financial regulator - the company must answer, usually within 15 days. Our step-by-step guide: how to file a complaint against a company. Then share your experience here so others know.
Where do most Navient complaints come from?
Most come from California (4,370), Florida (3,232), New York (3,068). Big states file more complaints, so the map shows complaints per 100,000 people.
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
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