Navient Phone Number for Private Loans: A Complete Guide for Borrowers

For many borrowers in the United States, Navient has been a prominent name in student loan servicing. If you have a private student loan serviced by Navient, it’s essential to know how to get in touch with their customer service team quickly and effectively. Whether you need assistance with repayment options, refinancing, account access, or just have questions about your loan balance, having the right Navient phone number for private loans can save you time and frustration.

In this article, we’ll cover everything you need to know, including the correct contact information, common issues resolved over the phone, alternative contact options, and tips for communicating with Navient representatives efficiently.

What Is the Navient Phone Number for Private Loans?

This line connects you directly to Navient’s private loan customer service department. It is distinct from the number used for federal student loans and should be used specifically for inquiries related to private loans.

Common Reasons to Call Navient for Private Loan Support

Here are some common issues and questions borrowers may need help with when contacting Navient:

Loan Balance and Payment Information

Checking your current balance
Understanding interest rates
Getting payoff amounts

Repayment Options

Exploring monthly payment plans
Requesting deferment or forbearance
Applying for interest-only payments

Loan Consolidation and Refinancing

Information about refinancing private loans
Understanding eligibility for consolidation
Comparing new terms or interest rates

Autopay and Online Account Access

Setting up automatic payments
Troubleshooting account login problems
Changing bank account or billing information

Co-signer Information

Requesting co-signer release
Adding or removing a co-signer

Disputes and Complaints

Reporting inaccurate information on your credit report
Filing formal complaints about service
Requesting documentation of past payments

Important: Don’t Call the Federal Loan Line

Navient no longer services federal student loans as of 2022. If your loan is federal (Direct Loan or FFEL), you should contact your new servicer (like Aidvantage) instead. Calling the federal loan support number will only result in delays or confusion if your concern is about a private loan.

Tips for Calling Navient Customer Service

To make the most out of your call, follow these helpful tips:

Have Your Information Ready

Before calling, gather:

Your loan account number
Social Security Number (last 4 digits)
Full name as it appears on the account
Any previous correspondence

Call During Low-Traffic Hours

Early mornings and mid-week (Tuesday to Thursday) tend to have shorter wait times.

Take Notes

Record the name of the representative you speak with, the time and date, and a summary of the conversation. This will help in case you need to follow up.

Ask for Confirmation

If a change or agreement is made (like payment deferment), request confirmation via email or mail for your records.

Alternative Contact Methods for Navient Private Loan Support

If you prefer not to call, Navient also offers other methods to reach their customer support team:

Mail

Navient Private Loan Correspondence
P.O. Box 9640
Wilkes-Barre, PA 18773-9640

Online Account

Make payments
Send secure messages
Update personal and banking information

Navient Mobile App

Download the Navient app for iOS or Android to manage your account, view balances, and make payments on the go.

Is It Safe to Call Navient and Share My Information?

Yes, as long as you call the official number listed on Navient’s website or statements, it is safe. However, be cautious of:

Unsolicited calls claiming to be from Navient
Requests for full Social Security Numbers or banking passwords
Offers that seem too good to be true (like “loan forgiveness” on private loans)

Always verify by calling the official number if you receive suspicious communication.

What If I Can’t Get Through to Navient?

If you’re experiencing unusually long wait times or trouble reaching a representative, here are a few steps you can take:

Try Chat Support or Secure Messaging: These options are available when logged in to your account.
Email Follow-Up: Use Navient’s contact form for less urgent issues.
Escalate a Complaint: If your issue remains unresolved, consider filing a complaint with the Consumer Financial Protection Bureau (CFPB) or your state attorney general’s office.

Final Thoughts: Stay Informed, Stay Empowered

Having the correct Navient phone number for private loans—and understanding how to use it—can empower you to stay on top of your student loan responsibilities. Whether you’re seeking flexible payment options, clarification on your account, or help with refinancing, Navient’s private loan support team is there to assist.

As student loan landscapes continue to change, staying informed and proactive is the best strategy for managing your financial future.

What Is Navient?

Navient is one of the largest student loan servicers in the United States. Originally part of Sallie Mae, Navient split off in 2014 and now manages billions in student loan assets, including both federal and private loans. While Navient no longer services federal student loans as of 2022, it continues to manage a large portfolio of private student loans.

If you borrowed a private student loan through Sallie Mae or another private lender that contracted with Navient, it’s likely that Navient is your loan servicer.

Why You Might Need to Contact Navient

There are several reasons you may need to speak to a Navient representative:

To make or confirm a payment
To change your payment due date
To update your mailing address or contact information
To ask about interest rates or repayment options
To explore deferment or forbearance for hardship situations
To dispute a charge or error on your account
To request a payoff amount or finalize your loan

Reaching the right department quickly will depend on having the correct Navient phone number for private loans.

Navient Phone Number for Private Student Loans

As of 2025, the main Navient phone number for private loans is:

call 1-888-272-5543

Hours of Operation:

Monday through Thursday: 8:00 AM – 9:00 PM ET
Friday: 8:00 AM – 8:00 PM ET

This number connects you with Navient’s customer service team specifically for private loan inquiries. If you’re unsure whether your loan is private or federal, you can still call this number, and a representative can guide you accordingly.

What to Have Ready Before Calling Navient

To make your call as smooth as possible, have the following information prepared:

Your Navient account number or Social Security Number (SSN)
Your loan number(s) if applicable
A list of questions or issues you want to address
Recent payment details if you’re discussing a billing issue
Your current contact and address information

If you’re calling on behalf of someone else (like a parent or spouse), you may need written authorization or a power of attorney on file.

Alternative Contact Methods for Navient Private Loans

If you prefer not to call or need help outside of business hours, Navient offers several other support options:

Online Account Portal

You can log in to your account at
Here, you can:

View balances
Make payments
Update personal info
Communicate securely with customer service

Mailing Address

If you need to send documents or payments by mail:

Navient – Private Loan Servicing
P.O. Box 9000
Wilmington, DE 19890-9000

Make sure to include your account number on any mailed correspondence.

Mobile App

Navient has a mobile app available for iOS and Android where you can access most account features, including payment and messaging tools.

Common Issues Handled by Navient Phone Support

When you call Navient at 1-888-272-5543, a customer service agent can help with:

Setting up auto-debit payments
Adjusting your repayment plan
Requesting temporary deferment or forbearance
Providing documentation for tax purposes (e.g., interest paid)
Helping you access co-signer release information
Discussing loan consolidation options for private loans
Explaining loan refinancing paths

Tips for Calling Navient Successfully

Call early in the day to avoid long hold times.
Use the automated system to route your call correctly.
Stay patient – private loan questions often require verification.
Write down the name of the representative and any reference number you receive.

What to Do If You Can’t Reach Navient

If you have trouble getting through or resolving your issue:

Try contacting them through the secure message center in your online account.
Review the FAQs and Help Center on Navient’s website.
For disputes or complaints, you can contact the Consumer Financial Protection Bureau (CFPB) if necessary.

Final Thoughts

Getting in touch with the right department at Navient is essential when managing your private student loans. By calling you’ll be connected with trained representatives who can walk you through repayment options, loan questions, and account issues. Whether you’re making a payment, updating your account, or seeking financial relief, Navient’s private loan support team is your go-to resource.

Always keep detailed records of your communication and use Navient’s online tools whenever possible for faster service and added convenience.