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 001-888-272-5543 (toll-free)

Understand Your Service Member Benefits

Learn about the SCRA 6% interest rate cap, and more.

Submitting Documents

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Members of the U.S. Armed Forces – What you need to know about your federal student loan benefits:


Servicemembers Civil Relief Act

As a member of the military, both your federal and private loans may qualify for Servicemembers Civil Relief Act (SCRA) benefits.

The SCRA Interest-Rate Cap for Federal and Private Loans

The Servicemembers Civil Relief Act (SCRA) interest-rate cap is available for federal student loans and private student loans, for both borrowers and cosigners. Interest on student loans obtained prior to your 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. Federal student loans are eligible for the SCRA Benefit for Active Duty from August 14, 2008 forward.

How to Receive the SCRA Benefit

Most service members 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.

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.

    – select the left menu link to Tools & Requests.

    The link to the Servicemember Request Form is on the Tools & Request page.

  2. Contact us

    Call us at 855-284-4879 or email us at

    A dedicated specialist will assist in all aspects of the SCRA benefit. Specialists are available Monday – Thursday 8 am to 9 pm and Friday 8 am to 8 pm 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

    Servicemembers Civil Relief Act (SCRA): Interest Rate Limitation Request form

    Fax your request to 800-848-1949, or upload your request online:

    – select the left menu link to Go to the previous website and select Customer Support from the main menu.

    The dropdown to Securely Upload Documents is on that Customer Support page.

    If you prefer to mail your request, send it to

    P.O. Box 9500
    Wilkes-Barre, PA 18773-9500