Navient Loans 4+

NAVIENT acts like they care, but the first thing on their mind is, how can they milk you for all they can and squeeze everything out of you. That’s just scratching the surface, but enough about this horrible loan servicer, and let’s get back to this horrible app. The app only functions if you don’t get too “adventurous” and try to access other parts of YOUR ACCOUNT. Venture to far, and it’s the point to no return, and it renders you to restart the app again (making you log back in all over again), just so you can be able to make your way back to the home screen. All this app does is allow you to access the mobile version of the website, THAT’S ALL! And that’s not a good thing. I don’t know how much NAVIENT used my interest money to pay this app developer, but if we’re paying all this interest to the company, the least we can do is have a decent working app. Anyways, I’m looking into consolidating or moving my loans somewhere far far away from these guys. That is all.

This is not a user friendly app...in fact it’s not an app (there are zero updates because they just don’t care enough about your experience) It’s basically just a bookmark to the website. The usability is not good and it’s hard to check your messages (you can’t on the app) It’s hard to find out any information about your loans in terms of the amount of interest paid with each payment, the amount that actually went toward your loans, whether they respected your loan payment allocation requests...which by the way they NEVER have for me. Basically the only thing that is easy is to link a bank account and pay the minimum payment....but of course they make that easier.

Also, if you pay the minimum, you are only paying interest. I did that for two years. I had the same amount of loans in Sallie Mae (which by the way had higher interest rates) and have already paid them off and still have $10,000 left in Navient making the same payments 🤔

This app is convenient but it needs major work. I have used this app for the pass 3 years or so, since it first came to the App Store and it has not changed. The developers need to start taking advantage of the new technologies available. The app acts more like a website then an actual app. There are many apps that are websites but the app doesn’t function like one. It almost easier to just go to the website, which would be less of a headache. Some places for improvement: The user login— Touch ID is very useful. Second verification screen—when I ask for the account number or birthday you have to tap each empty space inside it should automatically jump to the next space once the first is filled, this world baca time saver. The loan payment screen—when I try specify an individual amount for each loan the scrolling does not allow me to see the blank to fill in the amount. These are just a few improvements I think would help this app.