Navient is responsible for all aspects of payment and customer service related to your loans. Borrowers can choose their payment plan, apply for deferral or forbearance, and request military benefits. If eligible, you can also enroll in autopay to take advantage of a 0.25% interest rate discount. Borrowers cannot access federal programs like IDR or PSLF through Navient. You must apply and recertify by filling out forms found at StudentAid.gov.