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Navient, located in Wilmington, Delaware, is a student loan industry business that collects payments on student loans and provides financing services on such loans. If you owe money to student loan debts, you can benefit from researching the tons of payment strategies, tips, and tricks spread all over the loan servicer’s website. Federal student loans, which are serviced through the Direct Loan Program or the Federal Family Education Loan Program, can be paid back via the standard repayment plan, which lasts up to 10 years and requires you to pay minimum monthly payments of $50. If you are struggling with Navient’s payment requirements, you might benefit from signing up for the income-driven repayment, or IDR, plan or pay-as-you-earn repayment plan.