去年底，經過多年來因其不正當行為而受到立法者和消費者金融保護局的壓力，Navient終止了與教育部的合約，並將數百萬名學生貸款借款人轉移到Aidvantage。此外，它還與39個州達成協議，取消了17億美元的逾期私人學生貸款債務。儘管有這些重大決定，Navient並未關閉，它在2022年第一季度獲得了1.35億美元的收益。
如果您仍然有與Navient的貸款，那些貸款可能是FFEL貸款或私人貸款。想要確定自己的Navient貸款是聯邦貸款還是私人貸款，有三種方法可以找到答案：
1.檢查studentaid.gov網站。登錄後，您將看到您在學期間獲得的聯邦金融援助清單。在這個清單上出現的任何Navient貸款都是聯邦貸款。
2.撥打聯邦學生援助部門的電話。您也可以致電聯邦學生援助部門的客戶服務部門，電話號碼是1-800-433-3243。代表可以查詢您借款的貸款和學生貸款服務公司的資訊。
3.檢查您的Navient帳戶。登錄您的網上帳戶，您可以在帳戶資訊中找到有關貸款類型的相關資訊。
這些方法可以幫助您確定您的Navient貸款是聯邦貸款還是私人貸款。了解您的貸款類型對於了解您的還款選項和資格是非常重要的。如果您需要幫助處理Navient的學生貸款，建議與專業的學生貸款律師進行溝通，以獲得專業的協助和建議。
折疊內容
ECMC is a nonprofit corporation that guarantees federal student loan obligations. NavientNavientNavient is a private corporation created by Sallie Mae to service and collect student loan debt. At one point, Navient was one of the country’s largest student loan servicing companies. It handled three types of loans: Federal student loans owned by the U.S. Department of Education (e.g., Direct Loan Program loans).https://www.tateesq.com › learn › navient-federal-privateIs Navient a Federal or Private Student Loan? – Stanley Tate Solutions is a student loan servicer for both federal student loans. It is also a holder of private student loans.Oct 3, 2022
Services Blog About Store See your loans’ summary. Get expert help today. Services Blog About Store Blog Repayment Is Navient a Federal or Private Student Loan? #Repayment Table of contents Navient still services federal and private loans How do I know if my Navient loan is federal or private? Forgiveness and repayment options Need help with a Navient student loan? Let’s talk. Advertiser Disclosure Stanley Tate #1 Student loan lawyer Updated on June 9, 2023 Navient sent most of its federal student loans to Aidvantage, but it still services FFEL Loans and private student loans.
Navient was one of the largest federal student loan servicers before it ended its contract with the Education Department last December and moved millions of accounts to Aidvantage. Today, Navient still services federal loans made under the Federal Family Education Loan Program and millions of private student loans it owns or manages for different lenders.
The best way to discover whether your student loan is federal or private is to use studentaid.gov. After you log in with your Federal Student Aid ID, you’ll see a list of every federal student loan you borrowed. If you see one of your Navient loans listed there, it is a federal loan.
Key takeaways
Navient moved most of its federal student loan accounts to Aidvantage.
But it still services FFEL Loans that don’t qualify for the interest-free payment pause during the pandemic.
Navient also services, refinances, and owns private student loans.
Check studentaid.gov or call the Federal Student Aid Information Center at 1-800-433-3243 to discover if your loans are federal.
Navient still services federal and private loans Navient is a private corporation created by Sallie Mae to service and collect student loan debt.
At one point, Navient was one of the country’s largest student loan servicing companies. It handled three types of loans:
Federal student loans owned by the U.S. Department of Education (e.g., Direct Loan Program loans).
Federal loans funded by the federal government (e.g., FFEL Program Loans, Perkins Loans, and Joint Spousal Consolidation Loans).
Private student loans it owned or serviced for other private lenders (e.g., Signature Loans and Tuition Answer Loans).
At the end of last year, after years of being under heat from the lawmakers and the Consumer Financial Protection Bureau for its shady practices, Navient terminated its contract with the Education Department and transferred millions of student loan borrowers to Aidvantage.
It also struck a deal with 39 states to cancel $1.7 billion in delinquent private student loan debts. Read more about the Navient settlement.
Despite those major decisions, Navient isn’t closing. It reported first-quarter 2022 earnings of $135 million.
If you still have loans with Navient, the loans are FFEL Loans or private loans.
Learn More: FFELP Loan Forgiveness
How do I know if my Navient loan is federal or private? There are three ways to discover what type of loan you have with Navient:
Check studentaid.gov. After you log in, you’ll see a list of the federal financial aid you received while in school. Any Navient loan on this site is a federal loan.
Call Federal Student Aid. You can also call the FSA customer service unit at 1-800-433-3243. The representative can check the National Student Loan Data System to find the loans you borrowed and the student loan servicer.
Check your Navient account. Your online account
Read More: Is ECMC a private student loan company?