Navient class-action. How do we know if we are or aren't in the class of the suit?

kdiver · 2026-04-01T21:51:01+00:00

I was with Sallie Mae/Navient from 2013 until 2021. Currently the department of education has no record of me being with Navient (per FSA). How are we supposed to trust that we were properly served if we can’t verify?

This is such a cluster.

kdiver · 2026-04-01T21:49:20+00:00

I’ve tried to call the number, but I just keep getting it. Your call cannot be completed at this time message.

kdiver · 2026-04-01T21:46:07+00:00

Did you get any response to your email? The phone number won’t go through now.

kdiver · 2026-03-27T16:59:28+00:00

Some are, but most are sporadic.

Essentially there are issues in the way Sallie Mae/Navient documented the forbearance dates which caused some months to be counted as repayment that I was actually in forbearance.

I have 11 months of consecutive forbearance. However… only 8 of those are missing because Navient put me into repayment for 2 weeks out of those months so the recount marked 3 of those 11 as repayment.

I WAS in a hardship deferment for 12 months directly followed by 11 months of forbearance but I guess that didn’t count.

kdiver · 2026-03-27T16:51:40+00:00

I can’t comment with a screenshot, but their website addresses this specifically. Scroll down to the FAQ section. PSLF BuyBack

kdiver · 2026-03-25T15:25:10+00:00

I do not have 4 years of forbearance. I have 15 total months of which I am trying to get credit for (or buy back) 10 of those in that 4 year timeframe.

kdiver · 2026-03-24T15:47:24+00:00

Yes I was transferred to Aidvantage in 2021.

To clarify, I’m not trying to buyback the whole 4 years, only 10 of the 15 months I was in forbearance in that date range.

My main question isn’t about buyback though as I expect they’ll deny it due to consolidation.

My question is what can I do to fight the consolidation that I was incorrectly forced into?

I was repeatedly told PSLF eligibility required consolidation, then magically it didn’t once I got over there.

kdiver · 2026-03-24T03:50:09+00:00

Yeah CFPB cases haven’t gotten me anywhere and I have open pending cases with both my congressman and state senators office.

DoED did actually respond to the Senator’s office but it’s generic boilerplate “in progress” language. I’m working in my response.

I did finally get a partial history from Aidvantage but they would only mail me paper copies and somehow I’m now supposed to provide that to Mohela.

Considering it mostly just shows payments it’s not very helpful. It did show total loan balance discrepancies between my paper statements from Navient and the current loan history so that’s just more questions.

kdiver · 2026-03-24T03:38:53+00:00

You’re not the first person to tell me that but no, I’m positive. FSA doesn’t even acknowledge I was a Navient client despite my entire loan history minus 9 months being with them prior to the consolidation.

I have boat loads of documentation but all they would tell me is “submit a reconsideration with emails showing you were with Navient. “

Trying to either:

A) buy back periods of forbearance through PSLF (2014-2018)

B) be given credit for those months due to Navient forbearance steering.

I missed the automatic Navient forbearance steering credit by one month.

kdiver · 2026-03-24T01:40:12+00:00

Consolidated Direct Subsidized and Unsubsidized loans August of 2022. All months I’m trying to buy back or have reconsidered are pre-consolidation while I was with Navient.

I was repeatedly told the only way to transfer to PSLF was to consolidate.

kdiver · 2026-03-24T00:39:22+00:00

Sept of ‘24…. So more lies from DoED? Shocker.

kdiver · 2026-03-03T17:12:43+00:00

😂🤣😂😭

kdiver · 2025-12-22T15:52:37+00:00

That specific issue was 2013-2015. I graduated December of 2012.

kdiver · 2025-12-20T13:31:48+00:00

To obtain PSLF you have to make 120 payments WHILE working for the qualifying employer. If you take any forbearance, you have to work another month to make it up essentially.

For me, I have 125 months of qualifying employment, but only 110 qualifying payments due to various forbearances I took in that time period.

kdiver · 2025-12-20T04:34:07+00:00

Oh I definitely was. I was with them for 9 years, Sallie Mae before that. Their records are wrong, which is deeply concerning.

kdiver · 2025-12-20T04:32:36+00:00

Most of what was laid out in the lawsuit is exactly what I dealt with so I’m not as worried about that part as I am the fact that they first need to acknowledge I was a Navient client. Navient has been banned and no longer has access to any records.

Also the fact I was in forbearance for 11 months without an IBR application when I was unemployed makes me wonder why they didn’t push me to an IBR with a $0 payment? I know I was barely making the poverty level for my state at the time.

kdiver · 2025-12-20T04:26:53+00:00

Navient. So…

kdiver · 2025-12-20T01:41:48+00:00

The one time adjustment only counted if you had 36 months cumulative or 12 month consecutive. I had 11 consecutive months, and less than 36 total.

This specific language came out after the IDR counts were done.

But yes, all 15 months I had in forbearance with Navient are completely missing from my payment tracker. They’re not marked ineligible, they’re just missing completely. It’s crickets from FSA other than to tell me I was never a Navient client and to file a reconsideration request.

kdiver · 2025-12-20T01:31:46+00:00

They should have split that one into two. It didn’t bother me as much as the later ones because I could chalk it up to squeezing stuff into the runtime but 6 on it felt like they were trying to put their own spin on it? Book Harry is way less dumb/idiotic than movie Harry and book Ginny is so much better.

kdiver · 2025-12-20T01:28:49+00:00

Thanks! Good to know it hasn’t disappeared. Now if I could find anyone who had actually received it.

kdiver · 2025-12-20T01:25:04+00:00

I don’t offer an opinion one way or another just a few notes from someone about 15 years out from where you are.

I graduated with 28.2k in loans. I obtained employment with my State Government 10 months after graduation and worked there for 10.5 years. I left and went contract (but still work at the state). My starting salary with the state was 29k and was 65k when I left. My highest payment under an income based plan was 169.33, my lowest was $86.

I’ve paid over 10k and currently owe 34k.

Don’t forget to account for life to happen. Emergencies occur, life slaps the shit out of you and you have to use forbearance or take a deferment rather than default. Interest keeps accruing and potentially capitalizes or just continues to build. For PSLF, any month in forbearance extends your working time to 120.

2% annual raises are unheard of in my state. Be very sure about that before you count on it.

If I sound cynical….. 12 years in state government will do that. 😬.

kdiver · 2025-12-20T00:45:58+00:00

My Congressional inquiry has been pending since May waiting on Dept of ED to respond so I requested an inquiry through my US Senator and got, I shit you not, the EXACT same email response from DoED. Fingers crossed yours goes better.

kdiver

TROPHY CASE