Sued by Navient (formerly Sallie Mae)? Learn the Next Steps and Get a Free Review
Navient is a major student loan servicer and creditor, formerly part of Sallie Mae. While federal student loans have special protections, Navient also holds and services private student loans that can be collected through lawsuits. Navient has been the subject of major lawsuits from the CFPB and multiple state attorneys general for steering borrowers into forbearance instead of income-driven repayment plans and for other deceptive practices.
Type
Original Creditor
Common Debt Types
student loan
Common FDCPA Violations by Navient (formerly Sallie Mae)
Steering borrowers into forbearance instead of more favorable repayment options
Providing inaccurate information about repayment plan eligibility
Misapplying payments to the wrong loans or in the wrong order
Failing to properly process Public Service Loan Forgiveness applications
Collecting on loans that should have been discharged due to school closure or fraud
Your Situation With Navient (formerly Sallie Mae)
If Navient (formerly Sallie Mae) Has Not Sued You Yet
You have more leverage. Act now — this is the best time to negotiate.
- Pre-suit negotiations typically get better settlements
- A timely written validation request may be available
- Statute of limitations may bar the debt entirely
If Navient (formerly Sallie Mae) Has Already Filed a Lawsuit
Do not wait. The collector expects 70-80%, but we still push for less.
- You typically have a 30-day response deadline
- Missing the deadline can result in a default judgment
- Attorney negotiation still reduces the amount significantly
What the Free Review Covers
- Location and court status. Tell us your state, whether you have been sued, and every deadline shown on the papers.
- Account and document check. We identify the collector, account, current balance support, and communications you can provide.
- Scope decision. Eligible California matters may qualify for limited written creditor outreach through Lion Legal, P.C.
- Court boundary. StopCollectors does not prepare or file an Answer, appear in court, monitor a docket, or protect a deadline.
- Nationwide routing. An out-of-state or court matter may need self-help, legal aid, or an independent local lawyer. Any referral requires your permission and is not guaranteed.
Your Rights When Sued by Navient (formerly Sallie Mae)
Right to demand proof they own the debt
Right to dispute the amount claimed
Right to raise statute of limitations defense
Right to damages for FDCPA violations
Sued by Navient (formerly Sallie Mae) in Your State?
Frequently Asked Questions About Navient (formerly Sallie Mae)
Can Navient sue me for student loans?
Navient can sue for private student loans. Federal student loans have different collection rules and generally do not require a lawsuit for collection actions like wage garnishment.
What if Navient gave me bad advice?
The CFPB sued Navient for providing misleading information to borrowers. If Navient's bad advice caused you financial harm, you may have defenses or counterclaims.
Are my student loans past the statute of limitations?
Federal student loans have no statute of limitations. Private student loans do, and it varies by state (typically 3-6 years). Check your state's law.
Can I get my Navient loans discharged?
Discharge options include school closure, fraud by the school, total and permanent disability, and in some cases, bankruptcy. Private loans may also be dischargeable in bankruptcy if you can prove undue hardship.
Reviewed by Ariella, Esq. This information is for educational purposes and does not constitute legal advice.
Get Your Free Navient (formerly Sallie Mae) Case Review
We accept inquiries nationwide. Eligible California matters may qualify for limited creditor outreach; court work and out-of-state matters may need independent local counsel.