Sued by Navient (formerly Sallie Mae)? We'll Negotiate to Reduce What You Owe
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
- If you are within 30 days of first contact, we send a debt validation letter
- 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
How We Handle Navient (formerly Sallie Mae) Cases
- Free case review. Tell us about the debt and whether you have been sued. We check the statute of limitations, screen for FDCPA violations, and determine if debt validation applies — at no cost.
- Debt validation (if applicable). If you are within 30 days of Navient (formerly Sallie Mae)'s first contact, we send a debt validation letter via certified mail. This forces them to pause collection and prove the debt is valid.
- We evaluate your defenses. Common defenses against Navient (formerly Sallie Mae) include statute of limitations, lack of standing, incorrect amount, and FDCPA violations.
- Our attorney negotiates directly with Navient (formerly Sallie Mae). We contact the collector, present your financial hardship, and negotiate a reduced settlement. We start at 40-50% and push for the lowest amount possible.
- Written settlement agreement. We get everything in writing before you pay — exact amount, payment deadline, dismissal with prejudice (if sued), and full release of claims.
- FDCPA counterclaim if applicable. If Navient (formerly Sallie Mae) broke the law, our attorney can countersue at no cost to you — the collector pays.
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 countersue 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
Our attorney negotiates directly with Navient (formerly Sallie Mae) to reduce what you owe. Free consultation — no obligation.
Free case review. No obligation. No upfront cost.