Navient Student Loans

Phone Number & Getting a Rep

Navient Student Loans number

888-272-5543
Toll-free·Calls Student Loans·See main phone number & contact info
Q:

How do I talk to a human at this Navient number?

A:Say "Representative" two times, then press 0.
Q:

Does this phone number work 24/7?

A:No. Hours for this phone number are Mon-Thu 8am-9pm, Fri 8am-8pm EST. The least busy day is Tuesday, and the most busy day is Monday. See below for more and to learn where this data comes from.
Q:

How long will I have to wait to speak to Navient Student Loans?

A:The average hold time is 15 minutes. The longest hold times are on Tuesday, and the shortest are on Thursday.

All Navient customer service contact information

This is the #2 most popular Navient phone number out of 4. Click above to go back to the main customer service number and other contact information, including Navient email addresses, twitter handles, and live chat options.

More Navient Customer Phone Numbers

Customer Service

877-770-4157
Main phone number · Toll-free · 24 hours, 7 days · Enter your social security number, or just hold for a representative. This is the number for private loans only. · Please enter your 9-digit social security number or hold for the next available representative.

IFAP Direct Loans

800-848-0979
Toll-free · 24 hours, 7 days · Press 1 for English, then enter ssn, dob, zip, 0 for human · Higher education loan center - For federal student loans, press 1. For student loans from a bank, credit union, or any local lending institution, press 2. For questions about how your student loan reflects on your credit account, press 3.

International Customer Service

317-570-7397
24 hours, 7 days · Calling this Navient number should go right to a real human being · How can I help you today?

How do I get through the phone menu to a real live person?

GetHuman researchers routinely call this Navient phone number to document the phone system.
Here is our latest tip for weaving through the phone menu to get to a real person the fastest: Say "Representative" two times, then press 0.
Here is how our research team describes the way the Navient phone system greets you: How can I help you today?

What are the hours and when should I call?

Navient operates the call center for this 888-272-5543 phone number Mon-Thu 8am-9pm, Fri 8am-8pm ET. The short answer is that you should call on a Tuesday. This observation and the following section are based on analysis of a sample set of 7,370 calls made in the last 90 days using our free, web-based phone (see above).
An important note: busy times vs hold times vs best time to call
When we refer to busy or less busy times, we are talking about the volume of calls. The busiest times are when the most people are calling this Navient phone number (least busy times have fewer people calling). This high call volume does not necessarily mean that you will have a long hold time when you call. Companies like Navient staff their call centers differently based on the time of day and day of the week, so you may experience a shorter wait on hold at the busiest of times. When we refer to the best time to call, we are referring to the optimal combination of lower call volume and shorter wait times.

The least busy time to call

The least busy day to call Navient is Tuesday. The most busy day to call is Monday. Again, this is based on a sample of 7,370 calls made with our AI-powered, web-based phone in the last 90 days.

The shortest wait on hold

We measured the shortest hold times to be on Thursday. The longest wait in the queue on average occurs on Tuesday.

The best time to call

In summation, the best day to call Navient is Tuesday. This is not the day with the shortest wait on hold in the phone system, but we still recommend it for its ideal combination of low call volume and short hold times. Plus we believe that Navient staffs the call center well on Tuesday.

Calling this Navient Customer Number

When you call Navient's student loan phone number, you're greeted by a voice-activated automated message system. Rather than presenting you with a standard phone menu, it straightforwardly asks you why you're calling, then waits for a verbal response.

If you don't say anything, the system will repeat its request for two cycles, then ask you to enter either your Social Security number or account number so it can locate your account prior to transferring you to a representative. The system says this is for security purposes. To be perfectly honest, I found this unprofessional, as this is how automated message systems for call scams behave—immediately, or at least very quickly, requesting highly sensitive personal information. Callers being told this request is for security purposes is extra fishy, in my opinion.

To Navient's credit, if you don't enter your Social Security or account number after maybe five seconds, the system tells you to hold on one moment while they transfer you to a representative. I'm not sure why this wasn't done in the first place. I'm also not sure why Navient doesn't have a standard phone menu for this phone line, but I digress.

After being told by the automated message system I was being transferred to a representative, I was rerouted to a different message which told me I was calling outside of business hours. The recording directed me to Navient's website for further information and then told me their business hours in detail before automatically terminating the call.

Honestly, I don't plan on calling back; that was kind of a bizarre, fishy experience. I'd rather navigate their website, or at least talk to a human being firsthand for some bare bones reassurance this phone line isn't somehow compromised.

My two cents: don't bother with this phone line; opt for the website instead.

Christian has been writing about long hold times and customer service call center experiences since 2010. He's been featured in Bloomberg, the Wall Street Journal and the Boston Globe.

Call with our super-powered phone

  • Click to call- even from your desktop
  • We dial and get a human for you
  • AI-powered suggestions of what to say
  • Keep a transcript and other stats
  • Free, unintrusive: no account needed
Was this page helpful?YesNeeds work
Sharing is what powers GetHuman's free customer service contact information and tools. You can help!