PRODUCTS & SERVICES
We provide asset management and business processing solutions to education, healthcare, and government clients at the federal, state, and local levels.
We enhance financial success for our clients and their customers through innovation, insight, compassion, personalization, and an unwavering focus on integrity and compliance.
FEDERAL STUDENT LOAN SERVICING
We are one of a select group of companies chosen to service student and parent federal loans for the U.S. Department of Education. We also service loans made under the Federal Family Education Loan Program (FFELP), which was discontinued on June 30, 2010.
To help our customers successfully repay their education loans and build their credit, our federal loan servicing goes beyond day-to-day account support. We also offer holistic financial capability resources like our interactive Path to Success videos > and our Career Playbook YouTube series >.
Our hard work and dedication drive positive results for our borrowers, helping them stay on a path to successful repayment. In fact, our federal loan customers are 35 percent less likely to default than others >.
PRIVATE STUDENT LOAN SERVICING
We also service a large portfolio of private student loans. Although private student loan terms and features are often different from those of federal student loans, we apply the same focus and dedication to help all our customers achieve financial success.
Earnest is a leading financial technology and education finance company that joined Navient in 2017.
Through Earnest, we offer low-cost lending products that allow new and existing customers to experience the rewards of their achievements along the path to successful loan repayment.
Earnest's private student loans help college students pay for their expenses while attending school. Learn about Earnest private student loans.
Student loan customers can pay down their federal and private student loans on their terms with Earnest refinancing. Find out about Earnest student loan refinancing.
Existing Navient customers can apply for NaviRefi refinancing – designed exclusively for people with Navient-serviced loans, offered by invitation only. Learn more at NaviRefi.com.
BUSINESS PROCESSING SOLUTIONS
Our business processing solutions leverage cost-effective, custom strategies, strong partnerships, big data analytics, and professional, respectful, and compliant relationships to help our clients recover billions of dollars and achieve their goals.
A leading provider of management, processing, and collection services for tolling and on-street parking systems nationwide. We help clients maximize financial outcomes and deliver motorist-focused solutions that benefit residents, visitors, and businesses.
MUNICIPAL SERVICES BUREAU (MSB)
Delivers turnkey, mission-aligned payment processing solutions for government that streamline the constituent experience, maximize cash flow for our clients, and provide 24/7 concierge-level support.
PIONEER CREDIT RECOVERY, INC.
Provides sophisticated solutions to the recovery of all levels of government-owned and government-guaranteed debt.
Offers local, state, and municipal revenue enhancement opportunities through payment processing and call center operations, with a focus on toll, tax, court, and utility services.
NAVIENT PORTFOLIO MANAGEMENT
One of the nation's leading accounts receivable portfolio managers, helping clients increase recoveries and return on assets across a variety of debt types. Our services include collection vendor management, portfolio administration, client payment acceptance and application, and quality and compliance monitoring.
Delivers an array of revenue cycle management (RCM) solutions on behalf of health systems and physician practices nationwide. We reduce costs, maximize cash flow, and maintain positive community relations through our accounts receivable recovery services, computer conversion assistance programs, health information management (HIM) consulting and coding, and self-pay services.
QUALITY CUSTOMER SERVICE
As a nationwide leader in student loan management and servicing, we provide innovative support to our customers, helping them make decisions that meet their particular needs.
We maximize revenue for our clients by designing cost-effective, custom strategies, building strong partner relationships, applying big data analytics, and maintaining professional, respectful, and compliant relationships with clients and their customers.