Updated

Navient Customer Service

Phone Number & Contact Info

Navient's Best Phone Number

877-770-4157
Toll-free·Calls Customer Service·Most popular Navient number
Q:

How do I talk to a live human at Navient?

A:Enter your social security number, or just hold for a representative. This is the number for private loans only.
Q:

Does Navient offer 24 hour customer service?

A:Yes! This call center operates 24 hours a day, 7 days a week. The least busy day is Sunday, and the most busy day is Tuesday.
Q:

How long will I wait on hold?

A:The average hold time is 8 minutes. The longest hold times are on Friday, and the shortest are on Wednesday. How is this calculated?

Navient Customer Phone Numbers

Student Loans

888-272-5543
Toll-free · Mon-Thu 8am-9pm, Fri 8am-8pm EST · Say "Representative" two times, then press 0. · How can I help you today?

IFAP Direct Loans

800-848-0979
Toll-free · 24 hours, 7 days · Press 1 for English, then enter ssn, dob, zip, 0 for human · Higher education loan center - For federal student loans, press 1. For student loans from a bank, credit union, or any local lending institution, press 2. For questions about how your student loan reflects on your credit account, press 3.

International Customer Service

317-570-7397
24 hours, 7 days · Calling this Navient number should go right to a real human being · How can I help you today?

How do I get through the phone menu to a live person?

GetHuman researchers routinely call this Navient phone number to document the phone system.
Here is our latest tip for weaving through the phone menu to get to a real person the fastest: Enter your social security number, or just hold for a representative. This is the number for private loans only.
Here is how our research team describes the way the Navient phone system greets you: Please enter your 9-digit social security number or hold for the next available representative.
Below are some clips we've found from Navient's phone menus and tips that help give an idea of what you will encounter when you call. We've highlighted why they are important as well:

They may ask you to enter information with the dial pad

"Thank you for calling Navient. This call may be monitored and or recorded for quality purposes. Please enter your nine digit Social Security number or hold for the next available representative."
Excerpt from a call with Navient
Saturday, May 11, 2024 4:37 PM

What are the hours and when should I call?

Navient operates the call center for this 877-770-4157 phone number 24 hours, 7 days. The short answer is that you should call on a Monday. This observation and the following section are based on analysis of a sample set of 257 calls made in the last 90 days using our free, web-based phone (see above).
An important note: busy times vs hold times vs best time to call
When we refer to busy or less busy times, we are talking about the volume of calls. The busiest times are when the most people are calling this Navient phone number (least busy times have fewer people calling). This high call volume does not necessarily mean that you will have a long hold time when you call. Companies like Navient staff their call centers differently based on the time of day and day of the week, so you may experience a shorter wait on hold at the busiest of times. When we refer to the best time to call, we are referring to the optimal combination of lower call volume and shorter wait times.

The least busy time to call

The least busy day to call Navient is Sunday. The most busy day to call is Tuesday, which averages 883% more phone calls by comparison. Again, this is based on a sample of 257 calls made with our AI-powered, web-based phone in the last 90 days.
Sun
Quietest
Mon
Tue
Busiest
Wed
Thu
Fri
Sat

The shortest wait on hold

We measured the shortest hold times to be on Wednesday. The longest wait in the queue on average occurs on Friday.

The best time to call Navient

In summation, the best day to call Navient is Monday.

Calling this Navient Customer Number

When you call Navient's Customer Service phone number with a customer problem, you're greeted by an automated message system that immediately asks you to enter your nine-digit social security number or wait for the next available representative. I found this rather surprising, as most automated message systems have various options for callers to select to triage and siphon concerns. In fact, most message systems seem to make reaching a representative intentionally difficult, so this was a somewhat welcome surprise. As I didn't feel comfortable entering my social security number, I waited for the next available representative.

Since I didn't enter my social, the system automatically routed me to the waiting room to speak to someone. I heard the familiar recording of, "This call may be monitored or recorded for quality assurance and training purposes," before a short blip of elevator-esque music, and then complete silence.

Usually, while on hold, at least in terms of other companies I've called, there's a repeating cycle of music and a recording that says something along the lines of, "Your call is very important to us. Please stay on the line, and someone will be with you shortly." As mentioned, with Navient's Customer Service phone number, there was only complete silence.

I wasn't sure if I was actually on hold waiting for the next available representative or if there was some sort of error or glitch in the system. I stayed on hold, or what I think was on hold, for close to twenty minutes before ending the call.

I called back, and this time entered my social security number. After entering it, I was once again placed on hold after hearing the recording, "This call may be monitored or recorded for quality assurance and training purposes," that same short blip of elevator-esque music, and then complete silence.

So, ultimately, I wasn't able to get through to a representative for Navient. I'm not sure if there's some sort of issue that needs fixing on their end, or perhaps I should try calling at a different time. Either way, this attempt at reaching customer service was rather frustrating.

If your call to Navient's Customer Service is unsuccessful, as mine was, there are several steps you can consider taking. First, try calling again at a different time, as call volumes can vary throughout the day. Alternatively, explore other contact options such as email, online chat, or reaching out through Navient's website. If repeated attempts to contact customer service are unsuccessful, escalate the issue by contacting Navient's escalation department or filing a complaint through Navient's official channels.

If necessary, you may also seek assistance from a consumer advocacy organization or contact the Consumer Financial Protection Bureau (CFPB) for guidance and support in addressing unresolved issues with Navient's customer service.

Christian has been writing about long hold times and customer service call center experiences since 2010. He's been featured in Bloomberg, the Wall Street Journal and the Boston Globe.

Why Customers Call Navient

If you have time to do a bit of reading before you call Navient, we recommend you read over some of our problem-specific articles.

How Do I Reset My Password or Recover My Locked Navient Account?

Navient allows you to reset your password if you forgot it. If your account is locked, you may contact the customer service agents and ask them to help you unlock it. There are a few options to contact the support team and ask for help if you need it. You may contact them on the phone, Facebook/ messenger, or the Navient help desk. They will provide you with a solution as soon as possible.

Are There Navient Benefits for Military Members?

Navient is an excellent option for military members looking for student loan assistance. The company offers several benefits to help you save money and keep your loans in good standing. If you are currently serving in the military or have been called to active duty, contact Navient to see if you are eligible for any of its benefits.

What is the interest rate on Navient loans?

The interest rate on Navient loans varies depending on the specific loan program and the borrower's creditworthiness. For federal student loans, the interest rates are fixed and set by Congress. As of 2021, the interest rate for undergraduate Direct Subsidized and Unsubsidized Loans is 2.75%, while graduate and professional Direct Unsubsidized Loans have an interest rate of 4.3%. However, private student loan interest rates offered by Navient can differ significantly based on a borrower's credit profile, financial history, and market conditions. These rates are influenced by factors such as the borrower's credit score, repayment term, and whether the loan has a variable or fixed interest rate. To get a specific interest rate for a private loan from Navient, individuals are advised to apply for a loan and go through the underwriting process, which will determine their unique interest rate offer.

Top Navient customer service problems

Click the link above to get answers to just about any Navient customer service question, including step by step guides for the most complex issues. You can also detail a new issue and get answers instantly.
Below is a sample of recent calls to Navient, and their purpose. Are any of these similar to the reason you are trying to call?
Loan paperwork resend request: "I was trying to get loan forgiveness, I was trying to get consolidation, whatever."
- From a call lasting 16m 55s , Apr 3, 2024 7:20 PM
Providing account information: "It's six one four two six nine six five seven."
- From a call lasting 2m 56s , Mar 28, 2024 7:37 PM
Discussing missed payment arrangement: "I think I missed a payment arrangement because I forgot the preset payment date during my school break."
- From a call lasting 13m 57s , Mar 20, 2024 12:01 AM
Seeking check status: "I'm just trying to find out where the check is that they're supposed to send me."
- From a call lasting 5m 14s , Feb 29, 2024 3:57 PM
Check not received: "I've been waiting on a check since December of last year and need to know who I can talk to about it."
- From a call lasting 5m 26s , Feb 29, 2024 3:29 PM
Requesting loan payoff letter: "I need a letter showing where I paid off my student loan."
- From a call lasting 7m 24s , Feb 23, 2024 8:03 PM
Assistance with paid off loan statement: "I finished paying the loan off but I made some type of statement showing they will where I paid it off."
- From a call lasting 6m 39s , Feb 23, 2024 7:41 PM
General inquiry: "Is Richard Navarrete, r and r Plumbing. How are you doing?"
- From a call lasting 2m 42s , Feb 23, 2024 7:31 PM
Requesting payoff letter: "I think we need a payoff letter with the amount owed and the payoff address and the daily interest accrued."
- From a call lasting 5m 42s , Feb 23, 2024 5:41 PM
Verification needed: "Verifying identity for account access."
- From a call lasting 4m 9s , Feb 6, 2024 12:58 AM

More Navient Customer Service Contacts

There are of course other ways to contact Navient customer service besides the phone. Below we list the best ones, by medium.

Navient Customer Service on Facebook / Messenger

Some customer service teams, like that of Navient, accept inquiries through Facebook Messenger. This is a good option if you have a Facebook account, and you may even be able to converse live with an agent this way.

Navient Customer Help Desk / Web Support

navient.com - Customer Service
Online form to email customer support
As a last, sometimes only, resort- Navient customer service can be accessed through their website. This can entail digging through help articles before finding a form and "being allowed" to submit a problem to their team, and rarely leads to a real-time conversation, which is why GetHuman does not recommend this unless it's the only way.

Conclusion and closing notes

This is Navient's best phone number, the real-time current wait on hold and tools for skipping right through those phone lines to get right to a Navient agent. This phone number is Navient's best phone number because 44,220 customers like you used this contact information over the last 18 months and gave us feedback. Common problems addressed by the customer care unit that answers calls to 877-770-4157 include Renegotiate Repayments, Payment Arrangement, Request Tax Form, Account Access, Overcharge and other customer service issues. The Navient call center that you call into has employees from Indiana, Ohio, Delaware and is open 24 hours, 7 days according to customers. In total, Navient has 4 phone numbers. It's not always clear what is the best way to talk to Navient representatives, so we started compiling this information built from suggestions from the customer community. Please keep sharing your experiences so we can continue to improve this free resource.

GetHuman does not provide call center services or customer support operations for Navient. The two organizations are not related. GetHuman builds free tools and shares information to help customers of companies like Navient. For large companies that includes tools such as our GetHuman Phone, which allows you to call a company but skip the part where you wait on the line to get a live human rep. We continue to work on these tools to help customers like you (and ourselves!) navigate the messy phone menus, hold times, and confusion with customer service. As long as you keep sharing it with your friends and loved ones, we'll keep doing it.

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