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

What happens to your Navient accounts when you die

Covers 3 lending accounts — all transfer through probate

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 does not currently support beneficiary designations, transfer-on-death registrations, or trust account titling on any account type. All Navient student loans pass through the estate at death and may require probate.

When an account holder dies, the executor or administrator will need to contact Navient with a death certificate and legal authority documents to claim account balances. The process and required documents are covered on the death claim page.

Navient does not currently support beneficiary designations (POD or TOD) on any account type. All accounts transfer through the estate at death and may require probate.

Why trust accounts are not available

Navient does not support retitling accounts into a trust, naming a trust as beneficiary, or any other probate-avoidance mechanism. Account balances transfer through the estate at death.

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.

When you're ready, we're here.

A revocable living trust skips probate, stays private, and takes 15 minutes.

Get startedApp StoreGoogle Play
SimplyTrust app shown on a phone

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

Is this your situation?

Get a complete guide for your specific circumstances.

New Baby or Adoption

New Baby or Adoption

Your family is growing. Your protection should too. Guardian nominations, trusts for minors, beneficiary updates, and the documents new parents need in place.

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Marriage

Marriage

What married couples need in place: one joint trust or two, wills, beneficiary updates, and the spousal rights your state grants you automatically.

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New Home

New Home

How to put your house in a revocable trust: the deed you record, what it does to your mortgage and property taxes, and when a TOD deed is simpler.

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Retirement

Retirement

Retirement changes your financial picture. Healthcare directives, beneficiary reviews, long-term care planning, and protecting what you've built.

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