Estate planning at Navient
How to protect 3 Navient accounts — file claims through Navient's Navient Office of the Customer Advocate (defaulted-loan inquiries)
MOHELA (servicing Navient loans)
MOHELA, P.O. Box 4200, Wilkes-Barre, PA 18773-4200
Navient Office of the Customer Advocate (defaulted-loan inquiries)
MOHELA (servicing Navient loans) - Discharge / Forgiveness
MOHELA, P.O. Box 4200, Wilkes-Barre, PA 18773-4200
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.
Sources
Data sourced from Navient primary sources (4 pages reviewed). How we research.
MOHELA (servicing Navient loans)
MOHELA, P.O. Box 4200, Wilkes-Barre, PA 18773-4200
Navient Office of the Customer Advocate (defaulted-loan inquiries)
MOHELA (servicing Navient loans) - Discharge / Forgiveness
MOHELA, P.O. Box 4200, Wilkes-Barre, PA 18773-4200
Estate planning articles
Learn how to protect your Navient accounts and other assets with trusts, beneficiary designations, and estate planning documents.
