Last Updated: 04/18/2025
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Highlights
Fixed APR
4.59% - 7.99%
Variable APR
4.59% - 7.99%
Amount Range
$5,000 - $500,000
Navient Student Loans Review
Navient Student Loans is offered by Navient Corporation, a financial services company founded in 2014 and based in Wilmington, DE. Navient Student Loans are available in 50 states and Washington, DC.
Navient Student Loans FAQ
What rates does Navient Student Loans offer for in-school private student loan?
Navient Student Loans has a variable APR that ranges from 4.59% up to 7.99% .
It offers a fixed APR that ranges from 4.59% up to 7.99% .
Many students have little or no credit history when they start college. By having a parent or other creditworthy individual cosign the loan, the student may improve their chance of approval or qualify for lower interest rates.
How much can you borrow from Navient Student Loans?
Available loan amounts may vary by applicant but Navient Student Loans has a minimum loan amount of $5K and offers loans up to $500K.
Does Navient Student Loans charge an origination fee?
Yes, Navient Student Loans charges a loan origination fee .
Does Navient Student Loans charge prepayment fees?
Yes, Navient Student Loans charges additional fees to borrowers who pay off their loans sooner than anticipated. Take this into consideration when choosing a lender because prepayment fees can reduce or even cancel the interest savings of repaying a loan early.
What terms does Navient Student Loans offer?
Navient Student Loans provides repayment terms ranging from 5 to 20 years.
What type of borrowers will Navient Student Loans consider?
Navient Student Loans considers loans applications from:
What do you need to qualify for Navient Student Loans?
Navient Student Loans does not require or does not disclose a credit score minimum. Navient Student Loans does not have or does not disclose a minimum annual income eligibility requirement.
U.S. citizens and permanent resident / green card holders are eligible to apply for the services offered by Navient Student Loans.
To qualify, applicants may need to provide the following documentation:
- Driver's license or other government photo ID
- Government issued photo ID
- Proof of identity
- Proof of citizenship or residence permit
Is Navient Corporation a legit company?
Navient Corporation was founded in 2014, it is a well-established company that has been in business for 12 years.
Unfortunately, we don't have sufficient community reviews to provide a reliable rating of their user experience and customer service.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Other Services by Navient Corporation
Student Loan Refinancing
Rating not yet determined (1 Review)
Availability
Available in 50 states and Washington, D.C.
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- District of Columbia
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
SuperMoney Net Recommendation Score
Not enough SuperMoney users have reviewed this product to provide a recommendation score or rating.
+100
-1000+100
No one recommends
Everyone recommends
Navient Student Loans Community Reviews
Would you recommend Navient Student Loans to your friends?
KV
Katie V.
Dec 19, 2020
Would Recommend
I personally was assigned Nelnet for my student loans, but my husband's loans are managed by Navient. We don't have terribly complicated loans, as they are all set up through FAFSA and our respective school's financial aid offices. We don't have private loans outside of what we're granted through financial aid, so I don't have personal experience dealing with applying for loans outside of FAFSA.
I set up an IDR ...Show More
KR
Kenneth R.
Nov 18, 2020
Would Recommend
Navient has been a convenient online account to track and pay the student loans I have left over from two bachelor degree programs. They made me aware of income-sensitive payment programs when I needed one although of course it went away when my income increased again. It is easy to print the annual statement for tax purposes. When they started offering refinance programs my balance had reached the point where ...Show More
Sarah C.
Oct 8, 2020
Would Recommend
My student loans are serviced by Navient Student Loans, and I have never had any issues with them whatsoever. I have no had to start paying my student loans back yet, but my hope is that when I do start paying them back, that I keep having positive experiences with this company.
Showing 3 of 3 reviews
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