News Investors Careers Search About Values & People Products & Services Social Responsibility Trust & Security PRODUCTS & SERVICES We are a leading provider of education loan management and business processing solutions to education, healthcare, and government clients at the federal, state, and local levels. We help our clients and millions of Americans achieve financial success through technology-enabled financing, insight, compassion, personalization, and an unwavering focus on integrity and compliance. SUPPORTING CLIENTS AND INDIVIDUALS DURING THE COVID-19 CRISIS Our business processing solutions are helping clients and millions of individuals nationwide manage the impact of this crisis. Find out how to get help for your organization. Learn more FEDERAL STUDENT LOAN SERVICING We are one of a select group of companies chosen to service student and parent federal loans for the U.S. Department of Education. We also service loans made under the Federal Family Education Loan Program (FFELP), which was discontinued on June 30, 2010. To help our customers successfully repay their education loans and build their credit, our federal loan servicing goes beyond day-to-day account support. We also offer holistic financial capability resources like our Career Playbook YouTube series >. Our hard work and dedication drive positive results for our borrowers, helping them stay on a path to successful repayment. In fact, our federal loan customers are 26 percent less likely to default than others >. PRIVATE STUDENT LOAN SERVICING We also service a large portfolio of private student loans. Although private student loan terms and features are often different from those of federal student loans, we apply the same focus and dedication to help all our customers achieve financial success. CONSUMER LENDING EARNEST Earnest is a leading financial technology and education finance company that joined Navient in 2017. Through Earnest, we offer low-cost lending products that allow new and existing customers to experience the rewards of their achievements along the path to successful loan repayment. Earnest's private student loans help college students pay for their expenses while attending school. Learn about Earnest private student loans. Student loan customers can pay down their federal and private student loans on their terms with Earnest refinancing. Find out about Earnest student loan refinancing. NaviRefi refinancing is designed exclusively for people with student loans. Learn more at NaviRefi.com. BUSINESS PROCESSING SOLUTIONS Our business processing solutions leverage cost-effective, custom strategies, strong partnerships, big data analytics, and professional, respectful, and compliant relationships to help our clients recover billions of dollars and achieve their goals. DUNCAN SOLUTIONS A full-service transportation management company and a leading provider of parking and tolling management solutions. We support municipal and commercial clients with citation processing, debt collection, DMV registered owner identification, back office transaction processing, customer service center operations, and integrated on-street parking management services. MUNICIPAL SERVICES BUREAU (MSB) Delivers payment processing and revenue recovery solutions that accelerate government agencies’ cash flows and modernize their constituent experiences. NAVIENT BPO (BUSINESS PROCESS OUTSOURCING) Enables government agencies to quickly ramp up large-scale citizen contact solutions for complex eligibility and enrollment transactions in highly regulated spaces. Navient BPO’s solutions are available through GSA’s Multiple Award Schedule (MAS). NAVIENT PORTFOLIO MANAGEMENT One of the nation's leading accounts receivable portfolio managers, helping clients increase recoveries and return on assets across a variety of debt types. Our services include collection vendor management, portfolio administration, client payment acceptance and application, and quality and compliance monitoring. PIONEER CREDIT RECOVERY, INC. Provides sophisticated solutions to the recovery of all levels of government-owned and government-guaranteed debt. XTEND HEALTHCARE Delivers an array of revenue cycle management (RCM) solutions on behalf of health systems and physician practices nationwide. We reduce costs, maximize cash flow, and maintain positive community relations through our accounts receivable recovery services, computer conversion assistance programs, health information management (HIM) consulting and coding, and self-pay services. QUALITY CUSTOMER SERVICE As a nationwide leader in student loan management and servicing, we provide innovative support to our customers, helping them make decisions that meet their particular needs. We maximize revenue for our clients by designing cost-effective, custom strategies, building strong partner relationships, applying big data analytics, and maintaining professional, respectful, and compliant relationships with clients and their customers. SITEMAP NEWS INVESTORS CAREERS ABOUT Values & People Products & Services Social Responsibility Trust & Security IN REPAYMENT Federal Student Loans Private Student Loans Taxes & Interest Credit Reporting Managing Your Account About Payments Forms NEW TO NAVIENT MILITARY BENEFITS MONEY & FINANCES FOR SCHOOL AID OFFICES © 2021 Navient Solutions, LLC (NMLS #212430). All rights reserved. Navient and the Navient logo are registered service marks of Navient Solutions, LLC. Navient Corporation and its subsidiaries, including Navient Solutions, LLC, are not sponsored by or agencies of the United States of America. Terms of Use Protecting Your Privacy California Privacy Rights Social Media Policies Accessibility About Our Ads CONTACT US