Navient Loans

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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 🤔

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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.

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Before I write my review I must first say I am highly upset. I wrote a review and at the end it said my nick name was already used and to choose another nickname, I hit OK and it completely erased my review. I am using the iPhone 7 Plus. As I attempted to say, the upload document link is not working properly every time I click it, I receive a blank page. I tried to select OneDrive to upload my PDF file but I received a blank page and then had to sign back into the app again to clear it. So I decided I'll just take the photo after clicking that option I still received a blank page, this is highly frustrating. The upload option on the app is not working and needs to be corrected immediately because it is going to delay the approval process for many people. I just uploaded the same document on the Great Lakes app and it worked wonderfully. I'm going to see if the upload option is available online but it would be much more simple to process it using the app which is supposed to be designed for convenience. This time I copied my review this in case it deletes it again and tell me my nickname is not available. It did three times...🙁

Regarding my needs in any app related strictly to bill-paying, this one addresses them all. It saves bank information from previous payments, so re-entry is not necessary. It saves my login name. It lists payment history, same view as when logged on to webpage. The only suggestion I have for the makers of this app is a small and simple one: please automatically advance the cursor to the next field when a user is entering their personal info. The inconvenience of having to keep tapping into the next field bothers customers, and it's a very simple fix that would take only five seconds to program. Thank you. Nice app!

Not sure why all the negative reviews. It has the same layout and feel as the website, easy to make payments on the go. I have auto payment setup, but I've gotten into the habit of making multiple small extra payments every week or even every day. If I pack lunch that's $10 I just saved myself so I make a $10 payment to my loan. If I pickup a shirt at the mall then decide "you know what, I don't really need this".. I apply the $25 I would have spent on that shirt to my loan. The app allows me to stay true to this approach and this has helped me pay down 1/3 of my student loans in a year.