How to Get Rid of Navient Late Payments

There are lots of causes folks fall behind on their scholar mortgage funds — generally it’s so simple as forgetting a due date, different instances excessive monetary circumstances make scholar mortgage funds untenable.

Regardless of the case, coping with Navient late funds might be disturbing and will depart a unfavourable mark in your credit score. Thankfully, there could be a solution to decrease the impression of a late or missed fee. Right here’s how one can take away late funds from Navient in your credit score report.

What does a late fee imply?

It doesn’t take lengthy in your fee to be thought of late by a creditor. After lacking one, or generally two funds, Navient will take into account your fee late. At that time, it’ll report your late fee to the credit score reporting businesses 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 might keep in your credit score report for as much as seven years, adversely impacting your credit score and fee historical past.

Remember, there are completely different ranges of lateness. One or two late funds will put your account in delinquent standing, whereas being late for longer may end up in a defaulted account.

Right here’s the distinction.


Delinquency happens whenever 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 might face penalties in case your account is delinquent. Your account standing is reported to the most important credit score bureaus, impacting your credit score rating. Plus, your mortgage steadiness might enhance as lenders add late charges to your scholar mortgage accounts.


How lengthy does it take for loans to enter default? That will depend on the kind of mortgage you may have.

  • If in case you have a Direct Mortgage or a FFELP (Federal Scholar Assist): Your mortgage will default when it reaches 270 days delinquent.
  • If in case you have a Well being Schooling Help Mortgage (HEAL): Your mortgage will default when it reaches 120 days delinquent.
  • If in case you have a non-public mortgage: The phrases fluctuate, so examine your promissory notice.

How do I take away late Navient funds?

If you happen to’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 to pay constantly on-time sooner or later.

Sorting via your Navient late charges to convey your account present might be complicated. In truth, the servicer is engaged in a lawsuit that’s at present winding its approach via the courts, alleging Navient has misrepresented its late charges previously.

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

Easy methods to get Navient off your credit score report? Typically, the one factor that works is time:

Usually, 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, right them by initiating a credit score dispute. Right here’s how one can get began with a credit score dispute if the corporate continues to be reporting your loans as late.

1. Gather your documentation

Attain out in writing to Navient with a view 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 you need to embody:

  • A replica of your credit score report. Spotlight related sections that you just’re involved about. You will get a free credit score report at
  • Financial institution statements. Spotlight particular mortgage funds that weren’t utilized to your mortgage steadiness.
  • Faculty enrollment data. This could possibly be essential in case your enrollment standing is said to your problem.
  • Your tackle. Navient will reply to you by snail mail, so embody your identify, tackle 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 may have

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

3. Mail your bundle

Listed here 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 would try to jot down a goodwill letter. This letter ought to clarify the particular 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 brought on you to be late. There’s no assure that this may work, but it surely’s price a shot.

What must you 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 right them, you too can launch a credit score dispute with the particular credit score reporting businesses 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?

If you happen to’ve defaulted or are delinquent in your scholar loans, a file of this may present up in your credit score report for seven years. The clock begins from the unique date that your mortgage grew to become delinquent.

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

If you happen to 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 impression your credit score and even your wages sooner or later. For instance, it might have an effect on your rates of interest for a bank card or different kinds of loans.

If you happen to’re struggling, see about deferment and forbearance choices in addition to a compensation 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 modifications a couple of borrower’s account. Often that is based mostly on additional understanding of extenuating circumstances that had a unfavourable impression 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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