Navient Doesn’t Care about YOU
Never ever ever ever sign a document allowing Navient to have you owe them a dime. Paid more than double principal in interest alone in 10 years, and when you call even to have them look at unpaid fees to see if they can help remove some- silence. They can’t even look up the info! They mumble something about regulations- so you’re telling me regulations don’t want people to succeed and pay off loans?? Then if you say Navient doesn’t want you to pay it off to make more money, they say that’s unfair characterization. Yeah, ok, so there is nothing you can do to remove fees or lower the principle on a twice paid loan- and I’m unfairly characterizing?? Just don’t.
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It’s an app… but only barely
I just want an app that can be called “functional.” This thing hasn’t been updated in 5+ years, and ever since I upgraded to ios17, it has nearly become unusable.
Please Navient. Hire a poor college kid to fix up your app for you. Considering the simplicity of it, I cannot imagine it would take a lot of work. Heck, offer $500 off on their private loan and I’m sure you’d have takers. Just update it to be ok again. I’m not asking for the world here.
Issues I’ve found:
Cannot paste my 1Password password in at the login screen - when I press/hold to trigger the “paste” popup, the screen shifts all the way to the bottom.
When filling out the input fields of the “Custom Pay” window, the open window and background move around differently, sometimes with the payment window wandering down towards the bottom. This sometimes means the “submit” button is hidden. Don’t you want my money??
There are more, but the Password pasting issue is a new one for me since the ios17 upgrade. Let me tell you, it is no fun manually typing out a 25-character password that is nothing more than a jumble of random letters, numbers and symbols.
PLEASE… FiX THIS APP.
Please Navient. Hire a poor college kid to fix up your app for you. Considering the simplicity of it, I cannot imagine it would take a lot of work. Heck, offer $500 off on their private loan and I’m sure you’d have takers. Just update it to be ok again. I’m not asking for the world here.
Issues I’ve found:
Cannot paste my 1Password password in at the login screen - when I press/hold to trigger the “paste” popup, the screen shifts all the way to the bottom.
When filling out the input fields of the “Custom Pay” window, the open window and background move around differently, sometimes with the payment window wandering down towards the bottom. This sometimes means the “submit” button is hidden. Don’t you want my money??
There are more, but the Password pasting issue is a new one for me since the ios17 upgrade. Let me tell you, it is no fun manually typing out a 25-character password that is nothing more than a jumble of random letters, numbers and symbols.
PLEASE… FiX THIS APP.
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So so so so bad
Every login you have to enter your birthdate and social security number. Not a huge deal but after the first 3 numbers you need to click to the next field. It doesn’t move by itself. This is just a microcosm of what’s to come once your in the app. Check balances but don’t move to much after that such as clicking on statements. Don’t do it! You cant go back to the Home Screen. Instead you have to login again to get to the start page. Awful, just awful. It’s as if they want to infuriate you before you check the balances. This holds true for other areas of the app as well such as the inbox. I would avoid it and use the pc version over this. It’s the worst.
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Horrible App, and even worse loan servicer.
NAVIENT acts like they care, but the first thing on their mind is, how can they milk you for all they can and squeeze everything out of you. That’s just scratching the surface, but enough about this horrible loan servicer, and let’s get back to this horrible app. The app only functions if you don’t get too “adventurous” and try to access other parts of YOUR ACCOUNT. Venture to far, and it’s the point to no return, and it renders you to restart the app again (making you log back in all over again), just so you can be able to make your way back to the home screen. All this app does is allow you to access the mobile version of the website, THAT’S ALL! And that’s not a good thing. I don’t know how much NAVIENT used my interest money to pay this app developer, but if we’re paying all this interest to the company, the least we can do is have a decent working app. Anyways, I’m looking into consolidating or moving my loans somewhere far far away from these guys. That is all.
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Incredibly poorly designed
Everything about this app suffers from a lack of forethought or some technical glitch. Clicking on the password box to log in inexplicably jumps you down the page to a random place. There’s no way to paste a password into the field. If you navigate away from any page, there’s no way to get back without closing the app and reopening. The “done” button for any document is hidden behind the battery indicator on the iPhone and is therefore inaccessible. These are just a few examples of what’s wrong with this app. Test and fix this, Navient, if you want to inspire ANY confidence in your products! Meanwhile, I’ll stick to the web page.
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Pretty lousy app
You have to log in every time. It doesn’t cache anything or use biometric face id or other things to log in. It doesn’t feel like an app, just a link to a web page. I honestly cringe every time I log in. Counter that with my credit Union app, my bank app or other card apps and this user experience is the worst. Honestly though, why would they care, they loaned you money, it’s not like you are going to cancel your student loans and move to the competition. That is the core issue here though. They don’t seem to care.
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Updates to app doubtful
For anyone not aware, taking an excerpt from CNBC’s article “5 changes coming to student loans in 2022”:
Three companies that serviced federal student loans — Navient, the Pennsylvania Higher Education Assistance Agency (also known as FedLoan) and Granite State — all recently announced that they'd be ending their relationship with the government.
As a result, around 16 million borrowers will have a different company to deal with by the time payments resume, or not long after, according to Kantrowitz.
Double-check that your servicer has your current contact information, so that you receive all the notices about the upcoming change, experts say.
Impacted borrowers should get multiple notices, said Scott Buchanan, executive director of the Student Loan Servicing Alliance, a trade group for federal student loan servicers. Come February, if you mistakenly send a payment to your old servicer, he said, the money should be forwarded to your new one.
It’s pretty safe to say there will not be an update. To date I have received no notices from Navient about loan options.
Three companies that serviced federal student loans — Navient, the Pennsylvania Higher Education Assistance Agency (also known as FedLoan) and Granite State — all recently announced that they'd be ending their relationship with the government.
As a result, around 16 million borrowers will have a different company to deal with by the time payments resume, or not long after, according to Kantrowitz.
Double-check that your servicer has your current contact information, so that you receive all the notices about the upcoming change, experts say.
Impacted borrowers should get multiple notices, said Scott Buchanan, executive director of the Student Loan Servicing Alliance, a trade group for federal student loan servicers. Come February, if you mistakenly send a payment to your old servicer, he said, the money should be forwarded to your new one.
It’s pretty safe to say there will not be an update. To date I have received no notices from Navient about loan options.
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Worst worst worst
I am not sure how they could make a worse app, provide worse service, or truly be worse at their job. What’s worse is I cannot believe the federal government allows this garbage to exist. The App is useless. Navient is useless. Their people are useless and paid to intentionally not help you so why would the app be any different. If I could give 0 stars I would but the App Store makes you give a minimum of 1 pity star. The App has a 1.7 star rating (which is generous) which would motivate anyone else to improve it but instead they have committed to literally never updating this thing or making it worth using. Basically it’s a waste of space on my phone
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Really?
This is one of the worst apps I have ever used. It’s pretty unresponsive at times snd crashes a lot. The buttons are not user friendly and the don’t click on certain menu items and you won’t be a belt o get back to viewing the home dashboard. Why is the done button so high up in the right corner that you can’t even click it? I often have to close the whole app then reopen it when that happens. For all the money Navient is making there is no reason why this app should be this sucky. They need to fix it ASAP.
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Horrible Navigation
It's like they had no QA testing. If you open a link in this app, there's a 90% chance you won't be able to go back, and you'll just be stuck on that page forever. I've had to delete this app so many times just to reset it, and it never remembers my device anyway so I don't know why I even bother.
When you log in, it will always ask you for your SSN and DOB. Always. And you have to click each field to get the keyboard to pop up, even though I know they have the tech to automate those functions. Once you click Enter, everything freezes and you can no longer log in.
It’s weird, it’s almost like they don’t want you to pay your loans.
When you log in, it will always ask you for your SSN and DOB. Always. And you have to click each field to get the keyboard to pop up, even though I know they have the tech to automate those functions. Once you click Enter, everything freezes and you can no longer log in.
It’s weird, it’s almost like they don’t want you to pay your loans.
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Just not good
As other people have said, this app is not user friendly at all. I can feel the battery draining from my phone while I’m trying to use it. It functions as the website would but with many glitches. It doesn’t act as an app or have a feel of an app at all. Major improvements need to be made. I downloaded it for its convenience but it’s not at all. I can make payments but when you have multiple loans because it acts as a bookmark of a website, the phone gets hung up on scrolling to your other loans. It’s just bad.
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Navient app is difficult to navigate
This is not a user friendly app...in fact it’s not an app (there are zero updates because they just don’t care enough about your experience) It’s basically just a bookmark to the website. The usability is not good and it’s hard to check your messages (you can’t on the app) It’s hard to find out any information about your loans in terms of the amount of interest paid with each payment, the amount that actually went toward your loans, whether they respected your loan payment allocation requests...which by the way they NEVER have for me. Basically the only thing that is easy is to link a bank account and pay the minimum payment....but of course they make that easier.
Also, if you pay the minimum, you are only paying interest. I did that for two years. I had the same amount of loans in Sallie Mae (which by the way had higher interest rates) and have already paid them off and still have $10,000 left in Navient making the same payments 🤔
Also, if you pay the minimum, you are only paying interest. I did that for two years. I had the same amount of loans in Sallie Mae (which by the way had higher interest rates) and have already paid them off and still have $10,000 left in Navient making the same payments 🤔
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Convenient
I’ve used this app for a few years and it’s super easy to use. Some people are saying it doesn’t let you see your payment history but it does for me. Tells me exactly what interest I’m paying and balance.(Subsidizes & unsubsidized) It also gives you an option to “remember me” so logging in is fast.
I am never compelled to rate an app, until this...
Might as well use the website. This mobile app experience is just like the website - so save the headache and avoid downloading this app. Usability for the mobile platform is horrible. They’ve pretty much put ZERO effort and thought into the design of this app. I tried to contact them or send an email through the app and it keeps asking me to login when I’ve already logged in twice! Waste of time. I seriously think they don’t care at all. I mean. It’s almost feels like they are conspiring to make loan repayment more difficult than it really is.
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UI is the same as web
Not sure what all the negative reviews are going on about. You can do everything on the app that you can do from the website. Two factor authentication is not a big deal and it only needs the second authentication when it updates or you login from a new device (duh). There are some functionality that is a little clunky and needs work, but the app does what it’s supposed to.
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Needs major work
This app is convenient but it needs major work. I have used this app for the pass 3 years or so, since it first came to the App Store and it has not changed. The developers need to start taking advantage of the new technologies available. The app acts more like a website then an actual app. There are many apps that are websites but the app doesn’t function like one. It almost easier to just go to the website, which would be less of a headache. Some places for improvement: The user login— Touch ID is very useful. Second verification screen—when I ask for the account number or birthday you have to tap each empty space inside it should automatically jump to the next space once the first is filled, this world baca time saver. The loan payment screen—when I try specify an individual amount for each loan the scrolling does not allow me to see the blank to fill in the amount. These are just a few improvements I think would help this app.
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Update please
Make it less steps to log in!!! Or update to use thumbprint. I have to enter a user name, and password. THEN my ss# and bday!!! Every time! Even WITH the “Remember me” checkbox on. C’mon! No one’s breaking into my account to pay my student loans.....and if they are...let them
Also, when I have to (every time) enter my birthday and ss#, I cant just type it in! The fields only hold a certain amount of numbers and there is no next button, it just closes the keyboard down. You have to click the keyboard again for the day, then the year of birth. Same with the social security number, broken up into 3 fields.
Also, when I have to (every time) enter my birthday and ss#, I cant just type it in! The fields only hold a certain amount of numbers and there is no next button, it just closes the keyboard down. You have to click the keyboard again for the day, then the year of birth. Same with the social security number, broken up into 3 fields.
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Blank Screen
Before I write my review I must first say I am highly upset. I wrote a review and at the end it said my nick name was already used and to choose another nickname, I hit OK and it completely erased my review.
I am using the iPhone 7 Plus.
As I attempted to say, the upload document link is not working properly every time I click it, I receive a blank page. I tried to select OneDrive to upload my PDF file but I received a blank page and then had to sign back into the app again to clear it. So I decided I'll just take the photo after clicking that option I still received a blank page, this is highly frustrating.
The upload option on the app is not working and needs to be corrected immediately because it is going to delay the approval process for many people.
I just uploaded the same document on the Great Lakes app and it worked wonderfully.
I'm going to see if the upload option is available online but it would be much more simple to process it using the app which is supposed to be designed for convenience.
This time I copied my review this in case it deletes it again and tell me my nickname is not available. It did three times...🙁
I am using the iPhone 7 Plus.
As I attempted to say, the upload document link is not working properly every time I click it, I receive a blank page. I tried to select OneDrive to upload my PDF file but I received a blank page and then had to sign back into the app again to clear it. So I decided I'll just take the photo after clicking that option I still received a blank page, this is highly frustrating.
The upload option on the app is not working and needs to be corrected immediately because it is going to delay the approval process for many people.
I just uploaded the same document on the Great Lakes app and it worked wonderfully.
I'm going to see if the upload option is available online but it would be much more simple to process it using the app which is supposed to be designed for convenience.
This time I copied my review this in case it deletes it again and tell me my nickname is not available. It did three times...🙁
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Great app
Regarding my needs in any app related strictly to bill-paying, this one addresses them all. It saves bank information from previous payments, so re-entry is not necessary. It saves my login name. It lists payment history, same view as when logged on to webpage.
The only suggestion I have for the makers of this app is a small and simple one: please automatically advance the cursor to the next field when a user is entering their personal info. The inconvenience of having to keep tapping into the next field bothers customers, and it's a very simple fix that would take only five seconds to program. Thank you. Nice app!
The only suggestion I have for the makers of this app is a small and simple one: please automatically advance the cursor to the next field when a user is entering their personal info. The inconvenience of having to keep tapping into the next field bothers customers, and it's a very simple fix that would take only five seconds to program. Thank you. Nice app!
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Works just like website
Not sure why all the negative reviews. It has the same layout and feel as the website, easy to make payments on the go.
I have auto payment setup, but I've gotten into the habit of making multiple small extra payments every week or even every day. If I pack lunch that's $10 I just saved myself so I make a $10 payment to my loan. If I pickup a shirt at the mall then decide "you know what, I don't really need this".. I apply the $25 I would have spent on that shirt to my loan. The app allows me to stay true to this approach and this has helped me pay down 1/3 of my student loans in a year.
I have auto payment setup, but I've gotten into the habit of making multiple small extra payments every week or even every day. If I pack lunch that's $10 I just saved myself so I make a $10 payment to my loan. If I pickup a shirt at the mall then decide "you know what, I don't really need this".. I apply the $25 I would have spent on that shirt to my loan. The app allows me to stay true to this approach and this has helped me pay down 1/3 of my student loans in a year.
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