Stack of Dollars

How To Qualify for the Navient Student Loan Forgiveness Program

UPDATED Saturday March 28th, 2020

I created this Guide to teach you all about the Navient Student Loan Lawsuits and to explain how to get rid of your Navient student loans, even though there’s no such thing as a “Navient student loan forgiveness program”.

Wait? What? What do you mean there’s no such thing as Navient loan forgiveness? I’ll get to that in a minute, but if you’re in a hurry, then here are links to the most important sections within this Guide:

I promise, you’re going to find SOMETHING that can help you deal with your student loans in this Guide, it just won’t come from a program called “Navient loan forgiveness”, since that doesn’t actually exist.

What is the Navient Loan Forgiveness Program?

Technically, it doesn’t exist. It’s a marketing tactic that people have been using to get your attention.

In fact, there’s no such thing as “Navient Loan Forgiveness” at all, but there are all sorts of Federal Student Loan Forgivness Programs, and there are even a few Private Student Loan Forgiveness Programs, which I’ll cover in this Guide to teach you how to get rid of your Navient loans without paying for them.

But before we get into all the details, first, let’s cover the basics of the Navient lawsuits and explain how they could end up impacting your student debt.

After I’ve answered the most common questions about the lawsuits against Navient, then I’ll go through all of the forgiveness, discharge, and other financial assistance programs in detail, explaining everything you need to know to decide if you can use any of them to deal with your Navient debt.

But Before We Dive Into Details…

Let me first fill you in on an important secret; one of the best ways to get rid of your student loans quickly, and affordably, is to pay for an expert’s advice.

If you're truly struggling with student debt, then you should also consider paying a Student Loan Debt Relief Agency for help. Why? Because the people working at these companies deal with student loans all day, every day, and they're your best chance at figuring out how to get your loans back under control.

I've interviewed all sorts of debt relief agencies over the past 10 years, talking to all sorts of so-called "experts", and I can tell you that in all honesty I've only found two companies I trust to offer actual financial relief to people struggling with student loans.

For help with FEDERAL Student Loans: Call the Student Loan Relief Helpline at 1-888-906-3065. They will review your case, evaluate your options for switching repayment plans, consolidating your loans, or pursuing forgiveness benefits, then set you up to get rid of the debt as quickly as possible.

For help with PRIVATE Student Loans: Call McCarthy Law PLC at 1-877-317-0455. They will negotiate with your lender to settle your private loans for much less than you owe, then get you a new loan for the much lower, settled amount. NOTE: McCarthy Law can ONLY help with Private student loans.

If you do decide to call one of these companies and you have a bad experience with either of them, PLEASE make sure to come back and let me know about it in the Comments!

Who is Suing Navient?

Navient is being sued by the Consumer Financial Protection Bureau (CFPB) and the Attorney Generals of Illinois, Washington, Pennsylvania, California and Mississippi.

Why is Navient Being Sued?

Navient allegedly harmed student loan borrowers they were supposed to be servicing by:

  • Misallocating monthly student loan payments, potentially on purpose, to cause borrowers to owe more money by extending the length of their loans, and racking up fines, fees and penalties
  • Suggesting that borrowers utilize costly Student Loan Forbearance and Deferment Programs instead of Income-Driven Repayment Plans, again, to increase the total costs of student loans
  • Purposefully making it difficult to rejoin Income-Driven Repayment Plans after Forbearances and Deferments had ended
  • Purposefully obscuring the rules around qualifying for Student Loan Co-Signer Releases, ensuring that Co-Signers would remain on the hook for payments even when they have been able to get released from the loan

All of these are serious allegations for a company that’s supposed to be helping their borrowers, rather than hurting them, and that’s why these lawsuits are such a big deal.

When Will the Lawsuits Be Resolved?

Nobody knows, but they’re likely to last for several more years because Navient is purposefully postponing the rulings.

Why would Navient want to stretch out the court cases? Because the longer these lawsuits drag on, the more money they’re able to collect from borrowers!

How Can I Join the Navient Lawsuits?

You can’t. It’s not possible to do so, but if you live in any of the states whose Attorneys General are suing Navient, you’re technically covered already anyway.

And even if you don’t live in those states, the CFPB is a Federal Agency, so their lawsuit essentially covers all American borrowers.

Will I Get Loan Forgiveness if Navient Loses?

You might receive some loan forgiveness, but to be honest, these lawsuits could drag on for years and years.

Also, if similar lawsuits recently completed against schools are any indicator of results, then the financial relief you receive at the end of this thing will probably only cover a tiny portion of your total debt.

Then Why Do the Navient Lawsuits Matter at All?

The Navient Lawsuits are important because they’re a huge signal that the student loan crisis may finally have an end in sight, with borrowers winning the long war against the corrupt servicing companies that have preyed on them for decades.

While Betsy DeVos and President Trump’s Administration keeps trying to protect Navient, these court cases prove that there’s only so much they can do now that the Courts will end up ruling on whether or not Navient can continue to get away with their bad behavior.

Can I Stop Making My Monthly Navient Payments?

Absolutely not! Unless you want your loan to become Delinquent or to Default, which will ruin your credit and allow Navient to initiate collections activities against you.

Keep in mind that collections activities can include extremely serious consequences, like having Navient sue you, Garnish Your Wages, take your tax refunds or your Social Security payments.

Are There ANY Legitimate Student Loan Forgiveness Programs?

Yes! Absolutely.

In fact, there’s never been a better time to pursue student loan forgiveness benefits, because there are all sorts of assistance programs on offer right now.

Most of the loan forgiveness programs are available to borrowers with Federal student loans, and most of them have eligibility requirements that stipulate you must work in a certain type of career.

Below, I’ll go through all of the best student loan forgiveness programs currently on offer.

2020’s Best Student Loan Forgiveness Programs

If you need Help With Federal Student Loans, then you’ve come to the right place, because below I’ve provided a full list of all the current Federal Student Loan Forgiveness Programs on offer, including:

But people with Private loans aren’t getting left in the dust like they used to either, as there are now more Private Student Loan Forgiveness Programs available than ever before too!

Now, assuming you don’t qualify for any of these forgiveness programs, don’t give up quite yet, because there are also a whole series of discharge programs currently on offer, so let’s look at those next.

2020’s Best Student Loan Discharge Programs

Assuming you can’t qualify for any of the forgiveness programs listed above, you may still be eligible to receive a discharge (effectively the same thing as forgiveness…) by utilizing one of the following:

The most powerful of these is certainly the Borrower’s Defense Discharge Program, which you can use to attack ANY school, and which allows you to qualify for a COMPLETE discharge if you can prove that the school committed some kind of fraud against you.

If you need help getting a discharge from one of the big for-profits schools, then again, you’re in the right place, because I’ve created Guides to Using Borrower’s Defense against the following schools:

Other Federal Student Loan Assistance Programs

If you don’t qualify for any of the Federal forgiveness or discharge programs listed above, don’t give up yet, because you may still be eligible for all sorts of other assistance programs.

Take a look at the other Guides I’ve created to help people deal with Federal student loans, including:

You’re almost certain to find SOMETHING that can help with your Federal debt from one of the programs listed above!

To Get Help With Private Student Loans

And if you have both Private student loans, then you’ll want to take a look at my Guides on Private Student Loan Relief Programs, which you can find here:

If you can’t find anything that helps from my site, then please post a Comment below and let me know what your situation looks like, and I’ll review your case myself to see if I can come up with anything that might help!

Loan Forgiveness & Taxable Income Laws

One thing you need to keep in mind is that if you are able to receive forgiveness or discharge benefits, then you’re probably going to have to count the amount you get as income on your IRS tax return, and pay taxes on it.

This sounds ridiculous, but the IRS considers all loan forgiveness and discharge benefits as “taxable income”, which means you’re going to have to count that forgiveness as income.

This is extremely important, because the IRS will want you to pay all of that taxable income at once, in a single lump sump, and for many people that simply isn’t possible.

To find out exactly how it all works, visit my Guide on Student Loan Forgiveness Benefits and Taxable Income Laws.

Don’t Get Devastated by the Taxable Income Trap

For people with huge debt loads, like $100,000 or more, it can actually be WORSE to have the loan forgiven than to simply keep making payments on it (even if you don’t think it’ll ever be possible to fully pay it off!).

Why? Because taxable income has to be paid off all once, like I mentioned above, whereas student loan payments can be stretched out over a series of decades.

This is why I created a new website called Forget Tax Debt, where I go through the same kinds of information I do here at Forget Student Loan Debt, but covering problems with the IRS, instead of with student loans.

If you are worried about facing tax problems, or if you’ve already got some, please visit Forget Tax Debt to find out how to do things like Apply for the IRS Fresh Start Program, Hire a Reliable Tax Resolution Company, or Settle Your Debt with the IRS.

Check Back in Regularly for Updates

Whenever anything changes with regards to the Navient lawsuits, student loan forgiveness benefits or discharge programs, I’ll make sure to update this page with the latest details.

If you see anything change that I haven’t covered yet, please make sure to leave a Comment below so I can address it!

And again, if you have other questions that I haven’t already answered here, please feel free to leave them in the Comments section below too.

I’ll do my best to get you a response within 24 hours.

Finally, Please Help Me Out!

Running this website is like working a second full-time job, and I can only continue to dedicate the time and effort required to build Guides like this one if people like you help me out in return!

I will never ask for a donation from my readers, but I do want to ask for your help in spreading the word that this site exists by sharing a link to it on Facebook, Reddit or Twitter.

The more people who visit FSLD, the more time I can dedicate to writing up Guides like this one, and helping borrowers like you!

Thank you for visiting, and thank you for your support.


Disclaimer:Information obtained from Forget Student Loan Debt is for educational purposes only. You should consult a licensed financial professional before making any financial decisions. This site receives some compensation through affiliate relationships. This site is not endorsed or affiliated with the U.S. Department of Education.


Tim's experience struggling with crushing student loan debt led him to create the website Forget Student Loan Debt in 2011, where he offers advice, tips and tricks for paying off student loans as quickly and affordably as possible.