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Navient Customer Service, MOHELA Transfer & Loan Help

If you need help with a former Navient student loan, MOHELA transfer, student loan payment, repayment plan, deferment, forbearance, income-driven repayment, PSLF, account login, document upload, payoff, tax form, credit reporting issue, settlement/redress question, or student loan complaint, start by confirming who currently services your loan. Navient says its student loan servicing customers are now serviced by MOHELA, so many old Navient phone numbers and account links should be treated as legacy information.

Navient Customer Service and Student Loan Transfer Updates

Navient’s current contact page says student loan servicing customers are now serviced by MOHELA. Navient says borrowers should log in at servicing.mohela.com and that they can use the same user ID and password they used with Navient. Navient says MOHELA began servicing those loans on October 21, 2024.

Navient contact page: Navient Contact Us
Navient loan servicing transition page: Navient Loan Servicing Transition
MOHELA servicing login: servicing.mohela.com
MOHELA contact page: MOHELA Contact Us
MOHELA FFEL Program and CASH Loan Servicing: 1-800-945-4701
MOHELA FFEL/CASH international: 1-636-534-2815
MOHELA Direct Loan Servicing: 1-888-866-4352
MOHELA Direct Loan international: 1-636-532-0600
TTY: Dial 711
MOHELA PSLF Customer Service: 1-855-265-4038
Federal Student Aid: StudentAid.gov
Aidvantage federal loan support: Aidvantage Contact Us
Aidvantage phone: 1-800-722-1300
CFPB v. Navient redress administrator: 1-800-711-8418
CFPB v. Navient redress email: navient_info@rustcfpbconsumerprotection.org
Navient corporate/general phone: 1-302-283-8000
Navient corporate office commonly listed: 123 Justison Street, Suite 300, Wilmington, DE 19801

Employment verification: The Work Number or 1-800-367-2884

Do not assume Navient is still your loan servicer. Check your latest transfer notice, MOHELA account, StudentAid.gov account, credit report, billing statement, or correspondence before making a payment or sending documents.

Choose the Correct Navient, MOHELA, or Student Loan Support Route

Use the route below that best matches your student loan issue.

Former Navient-serviced loan now at MOHELA: Log in at servicing.mohela.com and contact MOHELA for payments, repayment plans, deferment, forbearance, payoff, correspondence, and account questions.

FFEL Program or CASH Loan serviced by MOHELA: Call 1-800-945-4701.
Direct Loan serviced by MOHELA: Call 1-888-866-4352.
PSLF question with MOHELA: Call 1-855-265-4038 or use MOHELA’s PSLF support tools.
Federal loan servicer lookup: Log in to StudentAid.gov to confirm your current federal loan servicer.

Aidvantage-serviced federal loans: Use Aidvantage at 1-800-722-1300.
Defaulted student loan exception: Navient says certain defaulted student loan borrowers now serviced by Navient should contact its Office of the Customer Advocate through Navient’s contact page.
CFPB v. Navient redress payment question: Contact the redress administrator at 1-800-711-8418 or navient_info@rustcfpbconsumerprotection.org.
Private student loan or refinance product: Check your current servicer, billing statement, or loan agreement before contacting Navient, MOHELA, Aidvantage, Earnest, or another company.

Credit reporting complaint: Contact the current servicer first, then dispute with the credit bureau if needed.
Corporate-level complaint: If a dedicated Navient COH page is created, use that page for headquarters and escalation information.

What to Have Ready Before Contacting Navient, MOHELA, or Your Servicer

Student loan issues often require identity verification and loan-specific records. Have the right information ready, but share it only through official secure channels.

Your current loan servicer name
Your MOHELA, Aidvantage, or other servicer account number
Your former Navient account number, if available
Borrower name and contact information on the account
Loan type, such as Direct Loan, FFEL, private student loan, refinance loan, or defaulted loan
Transfer notice or welcome letter from MOHELA or another servicer
Payment history and payment confirmation numbers
Auto Pay enrollment details
Repayment plan, deferment, forbearance, or IDR application records
PSLF employment certification records, if relevant
1098-E student loan interest forms, if relevant
Credit reporting dispute documents, if relevant
Case number from Navient, MOHELA, Aidvantage, CFPB, or another support channel

Do not post Social Security numbers, loan numbers, account numbers, payment screenshots, tax forms, 1098-E forms, income documents, PSLF forms, addresses, phone numbers, emails, payoff letters, collection notices, disability documents, or borrower account screenshots in public reviews.

Common Reasons Borrowers Look for Navient Customer Service

Finding out who services a former Navient loan now
Logging in after the MOHELA transfer
Making a payment
Confirming Auto Pay after transfer
Checking repayment plan status
Applying for deferment or forbearance
Income-driven repayment questions
PSLF questions
Payment misapplication or missing payment concerns
Payoff quote or paid-in-full letter
1098-E tax form questions
Credit reporting disputes
Defaulted loan questions
CFPB v. Navient redress payment questions
Old Navient settlement or lawsuit questions

Navient to MOHELA Transfer Help

Navient says borrowers whose loans transferred to MOHELA should work with MOHELA instead of Navient. Navient says the transfer did not change the loan terms, interest rate, borrower benefits, account number, call number, payment address, correspondence address, user ID, password, or Auto Pay enrollment, but the website and servicer changed.

If your account transferred, log in at servicing.mohela.com and review your balance, payment history, Auto Pay status, repayment plan, correspondence preferences, and next due date. Save your transfer notice and any welcome letter from MOHELA.

MOHELA Phone Numbers and Hours

MOHELA lists separate phone numbers for FFEL/CASH Loan Servicing and Direct Loan Servicing. Use the number that matches your loan type or the number shown in your MOHELA account.

FFEL Program and CASH Loan Servicing: 1-800-945-4701
FFEL/CASH hours: Monday-Wednesday, 7 a.m.-6 p.m. CT; Thursday-Friday, 7 a.m.-5 p.m. CT
Direct Loan Servicing: 1-888-866-4352
Direct Loan hours: Monday, 8 a.m.-9 p.m. ET; Tuesday-Wednesday, 8 a.m.-8 p.m. ET; Thursday-Friday, 8 a.m.-6 p.m. ET

PSLF Customer Service: 1-855-265-4038

MOHELA says payment and automated account information are available 24/7, and that your Social Security number or account number may be required by the automated phone line.

Payments, Auto Pay, and Payment Addresses

If your loan moved from Navient to MOHELA, confirm payment details inside your MOHELA account before making a payment. Navient says payment addresses stayed the same but checks should be addressed to MOHELA. MOHELA also says payment addresses can vary by account, so borrowers should log in or call for the correct address.

If you were enrolled in Auto Pay with Navient, Navient says Auto Pay enrollment automatically transferred to MOHELA. Still, check your MOHELA account to confirm the payment amount, due date, bank account, and whether any payment is pending.

Repayment Plans, Deferment, Forbearance, and IDR

Navient says repayment plan options and borrower benefits provided in the loan agreement continue at MOHELA. If you were in a deferment, forbearance, or repayment plan when the loan transferred, Navient says you do not need to reapply because that information automatically transitioned to MOHELA.

If your plan, status, or payment amount looks wrong, contact MOHELA and keep screenshots, letters, application confirmations, and case numbers. For federal loan repayment options, also review StudentAid.gov.

PSLF and Forgiveness Questions

Public Service Loan Forgiveness questions can be more complex than ordinary payment questions. MOHELA lists a separate PSLF Customer Service line at 1-855-265-4038. MOHELA’s contact page notes higher-than-normal PSLF email volume and encourages borrowers with PSLF questions to call the PSLF line.

Keep copies of PSLF forms, employer certifications, qualifying payment counts, employment records, correspondence, and screenshots from StudentAid.gov or MOHELA. Do not post employer forms or Social Security numbers publicly.

Federal Loan Servicer Lookup

If you are not sure whether your loan is with MOHELA, Aidvantage, Nelnet, EdFinancial, another servicer, or a default-resolution provider, log in to StudentAid.gov. StudentAid.gov is the best starting point for federal loan servicer lookup, loan type, repayment status, and federal student aid records.

Aidvantage lists 1-800-722-1300 for borrower support. Use Aidvantage only if your account or StudentAid.gov shows Aidvantage as your current servicer.

Defaulted Student Loan Borrowers

Navient’s contact page says that if you have a defaulted student loan now being serviced by Navient, and you have a question, you should contact the Office of the Customer Advocate. Defaulted loan servicing may be different from ordinary student loan servicing, so use the official Navient contact page and any correspondence you received.

If your loan is in default, also review StudentAid.gov and any notices from the Default Resolution Group, guaranty agency, collection agency, or current servicer. Default, rehabilitation, consolidation, wage garnishment, tax refund offset, and collection-cost rules can be complex.

CFPB v. Navient Redress and Settlement Questions

The CFPB announced a Navient enforcement action involving federal student loan servicing and borrower redress. For CFPB v. Navient redress questions, the CFPB lists Rust Consulting as the administrator, with phone support at 1-800-711-8418 and email at navient_info@rustcfpbconsumerprotection.org.

Be careful with fake settlement emails, fake redress checks, fake claim forms, and phishing calls. Use only official CFPB or administrator contact information, and do not pay a fee to receive redress.

1098-E Tax Forms and Student Loan Interest

For student loan interest statements, contact the servicer that handled your loan during the tax year. If your loan transferred during the year, more than one servicer may have information about paid interest. Aidvantage notes that 1098-E forms may include payments to prior servicers before transfer, depending on the account.

CustomerServiceNumbers.com cannot provide tax advice. If you have questions about deducting student loan interest, contact the IRS or a qualified tax professional.

Credit Reporting, Payment Disputes, and Account Errors

If you believe a student loan payment was misapplied, a balance is wrong, a payoff was not processed, or credit reporting is inaccurate, contact the current servicer first. Ask for a written response and keep a full timeline of payments, confirmations, account screenshots, letters, and calls.

If the servicer does not resolve the issue, consider filing a dispute with the credit bureau and submitting a complaint to the CFPB, your state attorney general, or another consumer protection agency. Keep all account numbers and identity documents private.

Navient and Student Loan Scam Warnings

Student loan scams often target borrowers after loan transfers, servicer changes, repayment restarts, forgiveness news, or settlement announcements. Be careful with fake Navient, MOHELA, Aidvantage, StudentAid.gov, CFPB, or settlement messages.

Use Navient.com, servicing.mohela.com, StudentAid.gov, Aidvantage.studentaid.gov, or official CFPB resources.
Do not click suspicious payment, forgiveness, settlement, redress, refund, deferment, or account-lock links.
Do not share your FSA ID, servicer password, verification code, Social Security number, bank account, or debit card with unknown callers.
Be cautious of companies promising instant forgiveness, guaranteed approval, or special access for a fee.

Confirm your current servicer inside StudentAid.gov before sending payments.
If you entered account or payment information on a suspicious site, contact your bank and your current servicer immediately.

How to Escalate a Navient or Student Loan Complaint

If your issue involves a transferred Navient loan now serviced by MOHELA, start with MOHELA and ask for a case number or written confirmation. If your issue involves a federal loan, also check StudentAid.gov. If it involves a defaulted loan now serviced by Navient, use Navient’s Office of the Customer Advocate route.

For payment, transfer, credit-reporting, repayment-plan, or PSLF disputes, keep a timeline with payment confirmations, application receipts, servicer messages, letters, screenshots, transfer notices, and names of representatives you contacted.

If the issue remains unresolved, consider filing a complaint with the CFPB, Federal Student Aid Ombudsman Group, your state attorney general, or a consumer protection agency. For legal, bankruptcy, tax, or credit-reporting questions, consider contacting a qualified professional.

Navient Reviews and Complaints on CustomerServiceNumbers.com

CustomerServiceNumbers.com currently does not have enough published Navient reviews to summarize a clear customer trend. The live review section shows 0 reviews, so readers are encouraged to share their own Navient, MOHELA transfer, or student loan servicing experience below.

When leaving a review, describe the issue, current servicer, support route used, how long it took, whether the issue was resolved, and what other borrowers should know. Do not post Social Security numbers, loan numbers, account numbers, payment screenshots, tax forms, income documents, PSLF forms, addresses, phone numbers, emails, payoff letters, collection notices, or screenshots showing borrower account information.

Related Student Loan and Financial Customer Service Pages

Navient Customer Service FAQs

Does Navient still service student loans?

Navient says its student loan servicing customers are now serviced by MOHELA, with rare exceptions such as certain defaulted loans. Borrowers should confirm their current servicer before making payments or sending documents.

Where do I log in for a former Navient loan?

Navient says borrowers whose loans transferred to MOHELA should log in at servicing.mohela.com using the same user ID and password they used with Navient.

What is the MOHELA phone number for former Navient loans?

MOHELA lists 1-800-945-4701 for FFEL Program and CASH Loan Servicing and 1-888-866-4352 for Direct Loan Servicing. Use the number that matches your loan type or appears in your MOHELA account.

Did my Navient Auto Pay transfer to MOHELA?

Navient says Auto Pay enrollment automatically transferred to MOHELA. Borrowers should still log in to MOHELA to confirm payment amount, due date, bank account, and next scheduled payment.

Did my repayment plan transfer from Navient to MOHELA?

Navient says deferment, forbearance, and repayment plan information automatically transitioned to MOHELA. If your account looks wrong, contact MOHELA and keep records.

Who do I contact for PSLF questions?

MOHELA lists a PSLF Customer Service line at 1-855-265-4038. Borrowers should also review StudentAid.gov for PSLF records and federal loan information.

What is Navient’s corporate phone number?

Navient’s corporate/general phone number is commonly listed as 1-302-283-8000. This should not be treated as the main borrower support number for transferred student loans.

Where is Navient headquartered?

Navient’s corporate office is commonly listed at 123 Justison Street, Suite 300, Wilmington, DE 19801.

Who handles CFPB v. Navient redress questions?

The CFPB lists Rust Consulting as the redress administrator. Borrowers with questions can call 1-800-711-8418 or email navient_info@rustcfpbconsumerprotection.org.

Does CustomerServiceNumbers.com handle Navient or MOHELA loan accounts?

No. CustomerServiceNumbers.com is not affiliated with Navient, MOHELA, Aidvantage, Federal Student Aid, CFPB, or any student loan servicer. CSN cannot access accounts, process payments, change repayment plans, fix credit reporting, process PSLF, or issue redress payments.

Page Update Note

This Navient customer service page was updated on June 27, 2026, to reflect Navient’s student loan servicing transfer to MOHELA, MOHELA contact numbers, federal loan servicer lookup guidance, PSLF routing, defaulted-loan caveats, CFPB v. Navient redress resources, scam warnings, related financial links, and live CSN review-status information.

Why Trust CustomerServiceNumbers.com?

CustomerServiceNumbers.com has helped consumers find customer service phone numbers, company contact details, and consumer review information since 2004. CSN is independent and is not affiliated with Navient, Navient Corporation, Navient Solutions, MOHELA, Aidvantage, Federal Student Aid, the U.S. Department of Education, CFPB, Rust Consulting, Earnest, any loan servicer, or any company listed on this website.

Our goal is to help readers find the correct support route, compare customer service experiences, and share reviews that may help other consumers. For student loan payments, repayment plans, PSLF, deferment, forbearance, default, credit reporting, tax forms, redress payments, settlement questions, or legal/financial matters, always verify details directly with your current loan servicer, StudentAid.gov, CFPB, or a qualified professional before taking action.

Share Your Navient Customer Service Experience

Have you contacted Navient, MOHELA, Aidvantage, Federal Student Aid, or another servicer about a former Navient loan, payment, transfer issue, repayment plan, PSLF, deferment, forbearance, payoff, credit reporting issue, defaulted loan, or redress question? Share your experience below to help other borrowers.

Privacy reminder: Do not post your Social Security number, loan number, account number, payment screenshot, tax form, 1098-E, income document, PSLF form, address, phone number, email address, payoff letter, collection notice, disability documentation, or any other sensitive borrower information in a public review.

Customer Service Numbers Disclaimer

CustomerServiceNumbers.com is not affiliated with Navient, Navient Corporation, Navient Solutions, MOHELA, Aidvantage, Federal Student Aid, the U.S. Department of Education, CFPB, Rust Consulting, Earnest, any loan servicer, any lender, or any debt collector. This page is for informational and consumer-review purposes only. Phone numbers, support routes, servicing transfers, payment addresses, repayment options, forgiveness rules, redress processes, settlement details, and website links can change. Always confirm important details directly with your current loan servicer or the appropriate official source before taking action.

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