What to do when a Navient account holder dies
Report the death to Navient's MOHELA at 1-888-272-5543
Notifying Navient of a death is not a claim for money. It is the step that stops the account and starts whatever the loan's terms provide at the borrower's death, from a discharge of the balance to a claim the estate settles. The MOHELA (1-888-272-5543) handles it.
Before contacting Navient, have the account holder's full name, date of birth, and any available account numbers ready.
Death claim process
The death claim process at Navient works as follows:
Filing a claim
Required Documents
- Completed forgiveness or discharge application, for a private loanProvided by MOHELA.
- Supporting documentation, for a private loanMOHELA states that supporting documentation is required with the application.
Forms Navient issues1
- Forgiveness or discharge application
Sent by the institution on request.1
What happens to each kind of account1
- Loan
A private student loan's treatment at death follows the loan agreement. MOHELA states that private loans are "eligible for discharge due to death of the primary borrower."1
Accounts handled elsewhere1
- Navient Office of the Customer Advocate
Questions on defaulted student loans, the rare exception Navient still services2
Email: advocate@navient.com
Not in Navient's published guidance1
- How long a claim takes
Sources2
Navient's MOHELA can be reached by phone at 1-888-272-5543 and fax at 1-800-443-9723 for questions throughout the claims process.
Sources
Data sourced from Navient primary sources (12 pages reviewed). How we research.
Navient death claims support
MOHELA (servicing Navient private loans)
Phone
Fax
Mailing address
Website
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