Navient Student Loan Forgiveness Programs – Student Debt Relief/Repayment Options

Student Loans or Education Loans are particularly useful for those who seek an opportunity for higher studies in reputed colleges/institutions but lack the finances needed for going ahead. However, a loan, whatever type it may be, causes an immense amount of personal stress and financial strain. A student loan can severely impact your financial growth as you have to immediately start returning the loan in fixed monthly installments upon joining a job after your studies are over. Since you are just beginning out in your professional career, it might be extremely difficult for you to manage the installments.

Navient Student Loan Forgiveness Options
Navient Student Loan Forgiveness Options

Good news is that if the company Navient is servicing your loan you can apply for student loan forgiveness and discharges. However, the scenario is not that simple and straightforward. In this post, we are going to detail on Navient Student Loan Forgiveness Options.

Navient Student Loan Forgiveness & Discharges: Federal or Private

Navient student loan forgiveness options largely rely on the point whether your student loan is federal or private. If your student loan is federal then you have a good number of forgiveness options. However, if your student loan is private, the Navient student loan forgiveness options come down to few in numbers and are available for limited programs only. Therefore, as a first, you must know whether your Navient student loan is federal or private.

Please note that Navient is a loan servicer and you could have federal loans serviced by Navient or you might have private loans serviced by Navient. Navient is not a lender. It works with the borrower, on behalf of the lender, to set up repayment and consolidation agreements. Therefore, if you require any kind of assistance with your loan, you contact your servicer. In this case, if you are not sure whether your student loan is federal or private; there are two options to know the same.

1. National Student Loan Data System

You can check whether your Navient student loan is federal or private by logging into the National Student Loan Data System (NSLDS). Please note that you require an FSA ID for logging in. If you don’t have one you can create. Tap on ‘Financial Review’ post logging into the system and you will be able to see a complete and consummate list of entire federal student loans under your hood. Private student loans do not come up on this list.

2. Contact Navient (

Another option is that you can contact your loan servicer Navient directly and acquire the information whether your student loan is federal or private. You can contact Navient easily from the button given below:

Contact Navient (Student Loan Services)

Are Sallie Mae and Navient the same?

Please note that Sallie Mae and Navient are not the same even though both of them have come up from the same company. Hence, Sallie Mae loans are not Navient loans and vice-versa. If your student loan is from Sallie Mae then it will definitely be a private student loan since Sallie Mae provides new private student loans both as a lender and a servicer. On the other hand, Navient is a loan servicer that manages both federal and private student loans.

Navient Student Loan Forgiveness Options for Federal Student Loans

If you have a Navient Federal Student Loan then you are in a good situation as you can easily apply for federal student loan forgiveness and discharges programs. Following are the federal student loan forgiveness programs.

  • Income-Driven Repayment (IDR)

As clear from the name, under IDR, you can make lower monthly payments for the long term which is, usually, around 20-25 years. In this duration, if you remain regular in your payments, the remaining amount on your federal student loan becomes eligible for discharge.

  • Public Service Loan Forgiveness (PSLF)

If you are working in the public sector or a non-profit organization, you can avail student loan forgiveness after 10 years of loan repayment under an IDR Plan.

  • Total and Permanent Disability (TPD) Discharge

As clear from the name, if you happen to face any total and permanent disability in life, you are eligible for federal student loan forgiveness.

  • Teacher Loan Forgiveness

If you are working as a teacher for five years with one year being at a title 1 school, you are eligible for federal student loan forgiveness up to $17,500.

Navient Student Loan forgiveness options for Private Student Loans

If you are holding a private student loan, you can consider the following possibilities of private student loan forgiveness.

  • Loan Forgiveness Due to Disability or Death

Some private lenders will forgive private student loans on account of a death or a disability. You require speaking with your lender or loan servicer regarding the same. You can get all or a part of your private student loan forgiven in such cases.

  • Loan Forgiveness Due to Bankruptcy

Under this scenario, you require proving that if you continue to pay your student loan, you have to face immense difficulties and arduous situations. Though chances are pretty less in the cases of bankruptcy, if you have a high amount on your head as a private student loan, you must go and try it out.

  • Talk with your Lender

If you find that paying off your private student loan is becoming difficult for you, you can go ahead and talk to your lender. Even if they do not provide forgiveness, they certainly can provide you with an alternative repayment plan which doesn’t hurt your current financial situation. Please note that you might require giving out documentations explaining your financial situation.

Everything About Navient Student Loan Forgiveness & Discharges

Now, you are aware of the options that are present with you if you wish to apply for forgiveness on your private or federal student loan. Please note that it is always better to seek out forgiveness or repayment options if the current terms and conditions of your student loan are disturbing your financial situation and are becoming a source of immense personal stress. If you happen to have any questions or queries in mind about Navient Student Loan Forgiveness and discharges, please reach out to us through the comments section provided below.

In the next article, we will discuss more on Navient Lawsuits affects our student loans and what student has to know what he is borrowing. And, more in-depth detailed guide on Navient deceptive practices, the audit suggests and many more on navient student loan forgiveness failures. Till then Bye and be in touch with us for more updates.