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OverviewPreparing your estateWhen someone dies
OverviewPreparing your estateWhen someone dies
SimplyTrust forms
Letter of Instruction
Home→Financial Institutions→Navient

Estate planning at Navient

How to protect 3 Navient accounts — file claims through Navient's Navient Office of the Customer Advocate (defaulted-loan inquiries)

Navient

Student Loan Servicer · Nationwide

navient.com→
Navient logo

MOHELA (servicing Navient loans)

Phone1-888-272-5543
Mailing Address

MOHELA, P.O. Box 4200, Wilkes-Barre, PA 18773-4200

WebsiteLearn more→

Navient Office of the Customer Advocate (defaulted-loan inquiries)

Emailadvocate@navient.com
WebsiteLearn more→

MOHELA (servicing Navient loans) - Discharge / Forgiveness

Phone1-888-272-5543
Mailing Address

MOHELA, P.O. Box 4200, Wilkes-Barre, PA 18773-4200

WebsiteNotify online→
Verified Jul 2026

Navient is a student loan servicer, so the estate planning question is about a debt, not an asset. When the borrower dies, the estate must notify Navient and resolve the outstanding balance—through payoff, assumption, discharge, or surrender depending on the loan—rather than name a beneficiary.

Navient has documented procedures for both preparing accounts during your lifetime and handling claims when an account holder passes away.

Preparing your estate

Beneficiaries and trust funding

How to review 3 account types at Navient.

View details →

When someone dies

Death claim process

Contact Navient's Navient Office of the Customer Advocate (defaulted-loan inquiries) to file a claim. 5-step process, 3 required documents, and contact information for survivors.

View details →

Email inquiries can be sent to advocate@navient.com.

Frequently asked questions

Navient exited federal Direct Loan servicing for the U.S. Department of Education. Those federally owned Direct Loan accounts moved to Aidvantage (operated by Maximus). Navient's remaining private and legacy loans are serviced by MOHELA. A borrower whose federal Direct Loans were previously with Navient works with Aidvantage for those loans.

SimplyTrustSimplyTrust Editorial·Updated July 11, 2026

Sources

  • navient.com
  • servicing.mohela.com

Data sourced from Navient primary sources (4 pages reviewed). How we research.

Navient

Student Loan Servicer · Nationwide

navient.com→
Navient logo

MOHELA (servicing Navient loans)

Phone1-888-272-5543
Mailing Address

MOHELA, P.O. Box 4200, Wilkes-Barre, PA 18773-4200

WebsiteLearn more→

Navient Office of the Customer Advocate (defaulted-loan inquiries)

Emailadvocate@navient.com
WebsiteLearn more→

MOHELA (servicing Navient loans) - Discharge / Forgiveness

Phone1-888-272-5543
Mailing Address

MOHELA, P.O. Box 4200, Wilkes-Barre, PA 18773-4200

WebsiteNotify online→
Verified Jul 2026

Estate planning articles

Learn how to protect your Navient accounts and other assets with trusts, beneficiary designations, and estate planning documents.

Estate planning articles

Learn how to protect your Navient accounts and other assets with trusts, beneficiary designations, and estate planning documents.

Reimbursable Trustee Expenses: A Clear Overview

Reimbursable Trustee Expenses: A Clear Overview

Which trustee expenses does a trust reimburse?
Estate Settlement
SimplyTrustSimplyTrust EditorialJuly 13, 2026
Refundable Executor Expenses: What Estates Cover

Refundable Executor Expenses: What Estates Cover

Learn which out-of-pocket costs executors recover from estates.
Estate Settlement
SimplyTrustSimplyTrust EditorialJuly 13, 2026
Dave Ramsey on Trusts: What We Agree and Disagree On

Dave Ramsey on Trusts: What We Agree and Disagree On

Dave Ramsey on trusts: any estate plan at all is a good thing. We agree about that. There's one thing we don't agree with him about on trusts, though.
Trusts
SimplyTrustSimplyTrust EditorialJuly 6, 2026
Jean Chatzky on Estate Planning: It’s a Gift

Jean Chatzky on Estate Planning: It’s a Gift

On estate planning, Jean Chatzky's most important reframe may be the simplest one. She says estate planning isn’t about your passing, it’s about your love for family.
Estate Planning
SimplyTrustSimplyTrust EditorialJuly 6, 2026
Robert Kiyosaki on Trusts: A Structural Necessity

Robert Kiyosaki on Trusts: A Structural Necessity

According to Robert Kiyosaki, trusts are a necessity for everyone, not only the wealthy.
Trusts
SimplyTrustSimplyTrust EditorialJune 30, 2026
Ramit Sethi on Estate Planning: Start With a Living Trust

Ramit Sethi on Estate Planning: Start With a Living Trust

Ramit Sethi on estate planning: start with a living trust and have regular conversations with your heirs about how to manage finances when the trust becomes active.
Trusts
SimplyTrustSimplyTrust EditorialJune 30, 2026