There are benefits available to members of the armed forces. We encourage you to learn about them and contact our Military Benefits Team for assistance.
OUR MILITARY BENEFITS TEAM
Our dedicated Military Benefits Team provides specialized support for borrowers who are active duty service members. We’re here to answer your questions and help you get the benefits you deserve.
Call us at 855-284-4879 or email us at
SERVICEMEMBERS CIVIL RELIEF ACT (SCRA)
As a member of the military, your student loans may qualify for Servicemembers Civil Relief Act (SCRA) benefits.
The SCRA Interest Rate Cap
The Servicemembers Civil Relief Act (SCRA) interest rate cap is available for student loans for both eligible borrowers and cosigners. Interest on student loans obtained prior to your active duty military service is limited to 6% during periods of active duty. (If your existing interest rate is less than 6%, it will not change.)
You won’t be assessed service charges, renewal charges, fees, or any other charges while taking advantage of this benefit.
This benefit applies to loans that were disbursed prior to active-duty service.
How to Receive the SCRA Benefit
Most servicemembers will receive the SCRA benefit automatically. We proactively cross-reference our customer database with the Department of Defense Service Member Database to identify customers who are eligible servicemembers and automatically apply the benefits to your Navient-serviced student loans.
Please note: If you are currently serving on active duty in the military and you obtain a new loan (including a refinance loan), you may lose certain benefits under the SCRA such as the 6% interest rate cap. If you’re unsure about whether you’re already receiving the benefit or believe you are eligible, please contact us through one of the following methods:
1. Request online – it’s the fastest and most convenient way. Log in to your account
– select the Apply for military benefits link in the Profile section of your Summary page.
2. Contact us
Call us at 855-284-4879 or email us at MilitaryBenefits@NaviRefi.com.
A dedicated specialist will assist in all aspects of the SCRA benefit. Specialists are available Monday – Thursday 8 a.m. to 9 p.m. and Friday 8 a.m. to 8 p.m. ET.
Please leave us a message outside of these hours of operation and one of our dedicated specialists will contact you as soon as possible.
If you email us, please include your name and telephone number in this email.
If you choose to communicate with us via email, please understand that you assume all responsibility for the protection of your personal information while in transit to us and you should consider appropriate email security measures.
3. Send us your request
Fax your request to 844-653-8822.
Or mail your request to
P.O. Box 9150
Wilkes-Barre, PA 18773-9150
Military Private Loan Postponement
Military forbearance may be available for military personnel with NaviRefi loans. At the end of the forbearance period, Unpaid Interest may be capitalized (added to the Unpaid Principal). See your loan agreement for details relating to capitalization of interest.
To find out more, contact us.
Establish Power of Attorney
Consider granting power of attorney to someone you trust. This will allow them to manage your financial matters, including your student loans, while you’re deployed or unavailable to manage them yourself. The person you designate will be able to sign documents and act on your behalf.
The legal assistance office on your military base can help you establish a power of attorney. When you have completed the document, send it, along with a copy of your military orders, to
P.O. Box 9150
Wilkes-Barre, PA 18773-9150
You can also authorize us by phone or in writing to speak to a third party on your behalf. Keep in mind that this person would be eligible to receive information about your account but would not be able to make changes to your account or sign on your behalf.
Questions? Contact Us
Call our Military Benefits Team at 855-284-4879, Monday – Thursday, 8 a.m. – 9 p.m. ET or Friday 8 a.m. – 8 p.m. ET.
We also offer 24/7 automated phone support.
Or send us an email.
Living abroad? Call us at 317-598-4024.