Need Help With Navient? Here's the Process of Making Extra Payments


Whether you’re following the debt snowball or debt avalanche, targeting your student loans individually is the most effective way to pay off your debt. 

Instead of spreading an extra payment across all loans, focus on one loan and throw every single penny at it until it’s paid off. Then move onto the next one.

This blog post focuses on how to make extra payments on Navient student loans. I also have blog posts for FedLoan and Great Lakes. A huge thank you to Merilee from @easy_budget for helping put this informative blog post together. Let's get started!

Note:If you've consolidated your student loans, payments on individual loans aren't possible. 

Debt snowball: Paying off debt from smallest to largest balance no matter the interest rate 

Debt avalanche: Paying off debt from highest to lowest interest rate

Step 1 

Login to Navient through their website or application. The app is available on the AppStore, Google Play, and Windows Store. If you do not have an account, you can sign up by clicking Register under the Log In button. 

Cyber Security Tip: Use a strong password and change it every 90 days. While you might not care about people logging into your account to make a payment ;), keep in mind that your bank account information, home address, email address, and phone number are all stored in the Navient portal.

Step 2 

Click Make a Payment on the left-hand menu. You'll see two options: Direct an Overpayment or Specify for Each Loan. Both payment methods are similar. Direct an Overpayment having a few more options on how to apply your extra payment.

Specify for Each Loan Option 

My favorite method of paying off debt is the debt snowball. With this method, you put all your extra payments toward your smallest loan and make minimum payments on all the rest of your loans. If you’re snowballin' it, I recommend you use Specify for Each Loan to make the payment.

1. Enter in the amount you want to pay on the specific loan 

2. Click Preview 

3. Verify the amount and select Bill me for my full monthly payment. This option allows you to make an extra payment and reduce the principal balance instead of paying ahead on your balance. 

4. Click Submit to finalize the payment.

Debt Free in Sunny CA Amanda Williams


I'm Amanda. My husband and I paid off $133,763 of debt in less than four years! During our journey, I realized what my true passion was in life: helping others become debt free and reach financial independence. You can learn more about us here.

Direct an Overpayment Option 

This method gives you multiple ways to allocate your payment, such as the highest interest rate, highest current balance, lowest current balance, etc. 

1. Enter the amount in the Pay this amount field. 

2. All Navient loans will be listed beneath and you can select which loan(s) you want the payment to go to. In this example, we’ll leave all the loans chosen so you can see all the payment options. 

3. Click Next. 

4. Take a look through the options and select the radial button where you want your payment to be applied. In the example below, the payment is applied to the Lowest Current Balance. If you're doing the debt avalanche, select Highest Interest Rate

5.  Select Preview 

6.  Verify the payment amount, select Bill me for my full monthly payment, and click Submit. This option allows you to make an extra payment and reduce the principal balance instead of paying ahead on your balance.

Debt Free in Sunny CA Honeycomb Debt and Savings Tracker

Both methods above mostly do the same thing. It's your preference on which way you want to make the payment. The Specify for Each Loan option is the easiest if you know which loan you want to pay on and how much. The Direct an Overpayment option is excellent for those who need help determining which loan has the highest balance, highest interest rate, etc. 

There you have it! That’s how you make a payment on an individual loan with Navient.

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      About Amanda Williams

      Amanda Williams is owner and founder of Debt Free In Sunny CA: A company inspiring financial literacy and debt free living. Josh and Amanda paid off $133,763 of debt in 3.7 years. She has built a dedicated, engaged, and loyal audience of thousands from the ground up. The #debtfreecommunity hashtag was created under Amanda's direction and has generated an online movement, bringing thousands together on a daily basis.