How to Get Rid of Navient Late Payments

There are quite a lot of causes individuals fall behind on their scholar mortgage funds — typically it’s so simple as forgetting a due date, different occasions excessive monetary circumstances make scholar mortgage funds untenable.

Regardless of the case, coping with Navient late funds could be nerve-racking and will depart a destructive mark in your credit score. Happily, there could be a method to reduce the affect of a late or missed fee. Right here’s the right way to take away late funds from Navient in your credit score report.

What does a late fee imply?

It doesn’t take lengthy to your fee to be thought-about late by a creditor. After lacking one, or typically two funds, Navient will contemplate your fee late. At that time, it’ll report your late fee to the credit score reporting companies akin to TransUnion, Experian, and Equifax — and a late charge can be levied (besides on federal scholar loans owned by the U.S. Division of Schooling).

A file of your late fee may keep in your credit score report for as much as seven years, adversely impacting your credit score and fee historical past.

Remember, there are totally different ranges of lateness. One or two late funds will put your account in delinquent standing, whereas being late for longer can lead to a defaulted account.

Right here’s the distinction.


Delinquency happens once you don’t make your month-to-month fee on time. Your account instantly turns into delinquent if fee isn’t made on the due date.

Not solely are there penalties to you as a borrower, however your cosigner may face penalties in case your account is delinquent. Your account standing is reported to the foremost credit score bureaus, impacting your credit score rating. Plus, your mortgage steadiness may improve as lenders add late charges to your scholar mortgage accounts.


How lengthy does it take for loans to enter default? That depends upon the kind of mortgage you have got.

  • When you have a Direct Mortgage or a FFELP (Federal Scholar Support): Your mortgage will default when it reaches 270 days delinquent.
  • When you have a Well being Schooling Help Mortgage (HEAL): Your mortgage will default when it reaches 120 days delinquent.
  • When you have a non-public mortgage: The phrases differ, so examine your promissory be aware.

How do I take away late Navient funds?

In the event you’re behind in your Navient scholar mortgage funds, instantly contact Navient and make plans to get your account present. If the issue is that you just neglect to make funds, enroll in autopay so that you could pay persistently on-time sooner or later.

Sorting via your Navient late charges to convey your account present could be complicated. Actually, the servicer is engaged in a lawsuit that’s at the moment winding its approach via the courts, alleging Navient has misrepresented its late charges up to now.

In the event you’ve introduced your account present, that doesn’t essentially imply the file of the late fee will come off your credit score report. Sadly, destructive info can stick round and have an effect on scholar mortgage debtors for years to come back.

How one can get Navient off your credit score report? Generally, the one factor that works is time:

Sometimes, a late fee lingers in your report for seven years. Nevertheless, should you’re caught up, Navient ought to not be reporting your fee as late. If it’s nonetheless doing that, appropriate them by initiating a credit score dispute. Right here’s the right way to get began with a credit score dispute if the corporate continues to be reporting your loans as late.

1. Accumulate your documentation

Attain out in writing to Navient to be able to dispute any faulty credit score reporting. Be prepared with the suitable documentation and an in depth, written clarification that explains the dispute. Bear in mind to make copies of something you ship to Navient.

Right here’s the supporting supplies it’s best to embody:

  • A replica of your credit score report. Spotlight related sections that you just’re involved about. You may get a free credit score report at
  • Financial institution statements. Spotlight particular mortgage funds that weren’t utilized to your mortgage steadiness.
  • College enrollment info. This may very well be obligatory in case your enrollment standing is said to your problem.
  • Your handle. Navient will reply to you by snail mail, so embody your identify, handle and phone quantity as a part of the dispute paperwork. Probably embody them on each web page in case the pages in your bundle get separated.

2. Verify the kind of mortgage you have got

The kind of mortgage you have got will decide the place you mail your dispute bundle. You’ll be able to log in to your Navient account and discover out when you have a non-public mortgage, U.S. Division of Schooling mortgage, FFELP or a HEAL mortgage.

3. Mail your bundle

Listed below are the corresponding mailing addresses relying on mortgage kind:

FFELP and HEAL loans

U.S. Division of Schooling loans

Personal loans

Attn: Credit score Bureau Administration
P.O. Field 9500
Wilkes-Barre, PA 18773-9500

Navient – U.S. Division of Schooling Mortgage Servicing
Attn: Credit score Bureau Administration
P.O. Field 9635
Wilkes-Barre, PA 18773-9635

Attn: Credit score Bureau Administration
P.O. Field 9655
Wilkes-Barre, PA 18773-9655

Writing a goodwill letter to Navient

If the late fee has impacted your credit score and your preliminary dispute doesn’t work to have it eliminated, you may try to jot down a goodwill letter. This letter ought to clarify the precise circumstances that result in your fee being late and ask for leniency.

Strike a respectful tone and be particular in regards to the circumstances that triggered you to be late. There’s no assure that this can work, however it’s value a shot.

What do you have to say in your goodwill letter to Navient?

  • Embody your identify, account quantity, and date of late fee
  • Clarify why the fee was late and the way you’ve since improved
  • Ask for a “goodwill adjustment”
  • Present proof that you just now pay on time

In case your request for a “goodwill adjustment” is granted, Navient will ask the credit score bureaus to take away your late fee out of your file.

What if Navient received’t assist?

If there are persistent errors in your credit score report and Navient received’t appropriate them, you can too launch a credit score dispute with the precise credit score reporting companies which might be erroneously reporting your account standing. Present them with the identical documentation out of your preliminary dispute bundle with Navient.

Navient late fee FAQs

How lengthy do late scholar mortgage funds keep in your credit score report?

In the event you’ve defaulted or are delinquent in your scholar loans, a file of this can present up in your credit score report for seven years. The clock begins from the unique date that your mortgage turned delinquent.

What occurs if I don’t pay my Navient mortgage?

In the event you cease paying your Navient mortgage it is going to default in 120 days (for a HEAL mortgage) or 270 days for all different kinds of Navient loans and be late. This might launch a series of penalties that affect your credit score and even your wages sooner or later. For instance, it may have an effect on your rates of interest for a bank card or different kinds of loans.

In the event you’re struggling, see about deferment and forbearance choices in addition to a reimbursement plan that works for you. Talk about your choices with Navient to get in good standing.

What’s a goodwill adjustment?

A goodwill adjustment is when a lender, akin to Navient, agrees it’ll make credit score reporting adjustments a few borrower’s account. Often that is primarily based on additional understanding of extenuating circumstances that had a destructive affect on a borrower’s funds.

Can scholar mortgage late funds be eliminated?

As soon as a late fee is reported by your scholar mortgage servicer to the credit score bureaus it may be tough to have it eliminated. If the late fee was reported erroneously, you possibly can launch a credit score dispute.

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Unsure what to do together with your scholar loans?

Take our 11 query quiz to get a personalised advice of whether or not it’s best to pursue PSLF, IDR forgiveness, or refinancing (together with the one lender we expect may provide the greatest charge).

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