https://ficoforums.myfico.com/t5/Credit-Cards/Meet-your-monthly-spending-with-Navient/m-p/4127042#M1163980 <BLOCKQUOTE><HR />@Anonymous wrote:<BR /><P>I paid with my CC using the automation robot lady.&nbsp;</P><P>&nbsp;</P><P>Months ago I talked to a lady at Navient and she said that if you sign up for payments to automatically come out of your bank, that there's not guarantee the APR will go down. &nbsp;I decided against it. &nbsp;Mine are at 6.8%</P><HR /></BLOCKQUOTE><P>its not guranteed to go down, but if it doesn't you can cancel the next day... Just something to think about as you will save alot of money if it is a significant student loan amount at this rate over time!! &nbsp;I am around 4%.. 6.8% is rough!</P> Tue, 14 Jul 2015 00:02:36 GMT CreditCuriosity 2015-07-14T00:02:36Z https://ficoforums.myfico.com/t5/Credit-Cards/Meet-your-monthly-spending-with-Navient/m-p/4126664#M1163810 <P>Not sure if anyone else has posted this, i looked for about 20 minutes and didnt find it, anyways...</P><P>&nbsp;</P><P>I remember when trying to pay by phone with Sallie Mae, it was a $15 fee. &nbsp;I tried Navient over the phone and made my payment wiithout a fee. &nbsp;Wish i knew this. &nbsp;Now, i will be paying over the phone and add an additional $150 to my spending...woo hoo!</P><P>&nbsp;</P><P>You can also do SDG&amp;E as well with a credit card online. &nbsp;Im in san diego california.</P><P>&nbsp;</P><P>Hope this helps others and sorry if someone already posted it.</P> Mon, 13 Jul 2015 20:55:31 GMT https://ficoforums.myfico.com/t5/Credit-Cards/Meet-your-monthly-spending-with-Navient/m-p/4126664#M1163810 Anonymous 2015-07-13T20:55:31Z https://ficoforums.myfico.com/t5/Credit-Cards/Meet-your-monthly-spending-with-Navient/m-p/4126694#M1163819 <P>What exactly is Navient?</P> Mon, 13 Jul 2015 21:12:42 GMT https://ficoforums.myfico.com/t5/Credit-Cards/Meet-your-monthly-spending-with-Navient/m-p/4126694#M1163819 yfan 2015-07-13T21:12:42Z https://ficoforums.myfico.com/t5/Credit-Cards/Meet-your-monthly-spending-with-Navient/m-p/4126699#M1163821 Good to know. My student loans just got transferred to Navient! Mon, 13 Jul 2015 21:14:20 GMT https://ficoforums.myfico.com/t5/Credit-Cards/Meet-your-monthly-spending-with-Navient/m-p/4126699#M1163821 baller4life 2015-07-13T21:14:20Z https://ficoforums.myfico.com/t5/Credit-Cards/Meet-your-monthly-spending-with-Navient/m-p/4126724#M1163832 <BLOCKQUOTE><HR /><a href="https://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/812736">@yfan</a> wrote:<BR /><P>What exactly is Navient?</P><HR /></BLOCKQUOTE><P>Navient is company like Sallie Mae (School laons)...anyone who had their loans with Sallie Mae, are now with Navient.</P> Mon, 13 Jul 2015 21:36:39 GMT https://ficoforums.myfico.com/t5/Credit-Cards/Meet-your-monthly-spending-with-Navient/m-p/4126724#M1163832 Anonymous 2015-07-13T21:36:39Z https://ficoforums.myfico.com/t5/Credit-Cards/Meet-your-monthly-spending-with-Navient/m-p/4126805#M1163872 <P>I wish I could do this with AES, my student loans are roughly $320 a month. &nbsp;I know it's not available online, maybe it is via phone...</P><P>&nbsp;</P><P>Oz</P> Mon, 13 Jul 2015 22:23:23 GMT https://ficoforums.myfico.com/t5/Credit-Cards/Meet-your-monthly-spending-with-Navient/m-p/4126805#M1163872 Anonymous 2015-07-13T22:23:23Z https://ficoforums.myfico.com/t5/Credit-Cards/Meet-your-monthly-spending-with-Navient/m-p/4126811#M1163875 <BLOCKQUOTE><HR />@Anonymous wrote:<BR /><P>I wish I could do this with AES, my student loans are roughly $320 a month. &nbsp;I know it's not available online, maybe it is via phone...</P><P>&nbsp;</P><P>Oz</P><HR /></BLOCKQUOTE><P>Give it a try...let us know how it went. &nbsp;If successful, maybe you can start a post for everyone that has AES..</P> Mon, 13 Jul 2015 22:25:28 GMT https://ficoforums.myfico.com/t5/Credit-Cards/Meet-your-monthly-spending-with-Navient/m-p/4126811#M1163875 Anonymous 2015-07-13T22:25:28Z https://ficoforums.myfico.com/t5/Credit-Cards/Meet-your-monthly-spending-with-Navient/m-p/4126867#M1163903 <P>Dang it!!! The only two bills I can't pay with my CC are my rent and my student loans. My loan servicer is Great Lakes. I am about to make a $1,600 payment, and I REALLY with I could put that on my Discover!!</P><P>&nbsp;</P><P>I am super jealous now.</P> Mon, 13 Jul 2015 22:56:22 GMT https://ficoforums.myfico.com/t5/Credit-Cards/Meet-your-monthly-spending-with-Navient/m-p/4126867#M1163903 Anonymous 2015-07-13T22:56:22Z https://ficoforums.myfico.com/t5/Credit-Cards/Meet-your-monthly-spending-with-Navient/m-p/4126876#M1163908 <BLOCKQUOTE><HR />@Anonymous wrote:<BR /><P>Dang it!!! The only two bills I can't pay with my CC are my rent and my student loans. My loan servicer is Great Lakes. I am about to make a $1,600 payment, and I REALLY with I could put that on my Discover!!</P><P>&nbsp;</P><P>I am super jealous now.</P><HR /></BLOCKQUOTE><P>Anni, I just started paying GreatLakes with a credit card through a 3rd party site, there's a fee but the points are close to off-setting the minimal fee. I will message you with details.</P> Mon, 13 Jul 2015 22:59:56 GMT https://ficoforums.myfico.com/t5/Credit-Cards/Meet-your-monthly-spending-with-Navient/m-p/4126876#M1163908 Anonymous 2015-07-13T22:59:56Z https://ficoforums.myfico.com/t5/Credit-Cards/Meet-your-monthly-spending-with-Navient/m-p/4126902#M1163921 <P>Navient is $600 per month of my student loans. This is nice</P> Mon, 13 Jul 2015 23:10:43 GMT https://ficoforums.myfico.com/t5/Credit-Cards/Meet-your-monthly-spending-with-Navient/m-p/4126902#M1163921 DrZoidberg 2015-07-13T23:10:43Z https://ficoforums.myfico.com/t5/Credit-Cards/Meet-your-monthly-spending-with-Navient/m-p/4126929#M1163934 <P>My servicer for Sofi is changing to Mohela. Anyone have info on them? I get .25% discount for auto pay/auto debit so I've always gone for that. I'd have to weigh rewards vs. that if it's possible.&nbsp;</P> Mon, 13 Jul 2015 23:22:01 GMT https://ficoforums.myfico.com/t5/Credit-Cards/Meet-your-monthly-spending-with-Navient/m-p/4126929#M1163934 Anonymous 2015-07-13T23:22:01Z https://ficoforums.myfico.com/t5/Credit-Cards/Meet-your-monthly-spending-with-Navient/m-p/4126933#M1163936 <BLOCKQUOTE><HR />@Anonymous wrote:<BR /><BLOCKQUOTE><HR /><a href="https://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/812736">@yfan</a> wrote:<BR /><P>What exactly is Navient?</P><HR /></BLOCKQUOTE><P>Navient is company like Sallie Mae (School laons)...anyone who had their loans with Sallie Mae, are now with Navient.</P><HR /></BLOCKQUOTE><P>They are actually still Sallie mae, just a different name. &nbsp;New loans are through Sallie mae and old gov't backed ones are through Navient or something like that, but they are still owned by the same company..</P> Mon, 13 Jul 2015 23:25:01 GMT https://ficoforums.myfico.com/t5/Credit-Cards/Meet-your-monthly-spending-with-Navient/m-p/4126933#M1163936 CreditCuriosity 2015-07-13T23:25:01Z https://ficoforums.myfico.com/t5/Credit-Cards/Meet-your-monthly-spending-with-Navient/m-p/4126940#M1163941 <BLOCKQUOTE>err post removed cause i missed period on 25%..</BLOCKQUOTE> Mon, 13 Jul 2015 23:42:12 GMT https://ficoforums.myfico.com/t5/Credit-Cards/Meet-your-monthly-spending-with-Navient/m-p/4126940#M1163941 CreditCuriosity 2015-07-13T23:42:12Z https://ficoforums.myfico.com/t5/Credit-Cards/Meet-your-monthly-spending-with-Navient/m-p/4126961#M1163950 When i signed up for auto pay they lowered my apr from 3.5 to 3.25. I wanted to make additonal payments to navient loans with credit card and they wouldnt let me <img id="smileysad" class="emoticon emoticon-smileysad" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-sad.gif" alt="Smiley Sad" title="Smiley Sad" /> Mon, 13 Jul 2015 23:32:30 GMT https://ficoforums.myfico.com/t5/Credit-Cards/Meet-your-monthly-spending-with-Navient/m-p/4126961#M1163950 ddemari 2015-07-13T23:32:30Z https://ficoforums.myfico.com/t5/Credit-Cards/Meet-your-monthly-spending-with-Navient/m-p/4126965#M1163951 <BLOCKQUOTE><HR /><a href="https://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/697803">@ddemari</a> wrote:<BR />When i signed up for auto pay they lowered my apr from 3.5 to 3.25. I wanted to make additonal payments to navient loans with credit card and they wouldnt let me <img id="smileysad" class="emoticon emoticon-smileysad" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-sad.gif" alt="Smiley Sad" title="Smiley Sad" /><HR /></BLOCKQUOTE><P>Nope they only let you pay your monthly payment amount by CC if you choose to go off the automatic withdrawl plan.. I personally thing the auto withdrawl is way better, also it depends on how much you owe as well.</P> Mon, 13 Jul 2015 23:34:35 GMT https://ficoforums.myfico.com/t5/Credit-Cards/Meet-your-monthly-spending-with-Navient/m-p/4126965#M1163951 CreditCuriosity 2015-07-13T23:34:35Z https://ficoforums.myfico.com/t5/Credit-Cards/Meet-your-monthly-spending-with-Navient/m-p/4126969#M1163952 I never knew we could pay navient with a credit card? Mon, 13 Jul 2015 23:35:46 GMT https://ficoforums.myfico.com/t5/Credit-Cards/Meet-your-monthly-spending-with-Navient/m-p/4126969#M1163952 Anonymous 2015-07-13T23:35:46Z https://ficoforums.myfico.com/t5/Credit-Cards/Meet-your-monthly-spending-with-Navient/m-p/4126971#M1163953 <BLOCKQUOTE><HR />@CreditCuriousity wrote:<BR /><BLOCKQUOTE><HR />@Anonymous wrote:<BR /><P>My servicer for Sofi is changing to Mohela. Anyone have info on them? I get .25% discount for auto pay/auto debit so I've always gone for that. I'd have to weigh rewards vs. that if it's possible.&nbsp;</P><HR /></BLOCKQUOTE><P>@Think 25% discount outweighs any credit card benefit, that is an amazing discount for autopay! &nbsp;I just get up my SL's also through Navient @Anonymous a month to be automatically deducted from my Checking account got a whopping .25% interest off the loans, but guessing that might outweigh any credit card bonus by paying by a CC on a 30k+ SL.. &nbsp;I think I will stick with the .25apr reduction unless I am looking at it wrong and my math is bad...&nbsp;</P><HR /></BLOCKQUOTE><P>I think you missed a period, 0.25% not 25%.</P> Mon, 13 Jul 2015 23:36:02 GMT https://ficoforums.myfico.com/t5/Credit-Cards/Meet-your-monthly-spending-with-Navient/m-p/4126971#M1163953 Anonymous 2015-07-13T23:36:02Z https://ficoforums.myfico.com/t5/Credit-Cards/Meet-your-monthly-spending-with-Navient/m-p/4126982#M1163958 <BLOCKQUOTE><HR />@Anonymous wrote:<BR /><BLOCKQUOTE><HR />@CreditCuriousity wrote:<BR /><BLOCKQUOTE><HR />@Anonymous wrote:<BR /><P>My servicer for Sofi is changing to Mohela. Anyone have info on them? I get .25% discount for auto pay/auto debit so I've always gone for that. I'd have to weigh rewards vs. that if it's possible.&nbsp;</P><HR /></BLOCKQUOTE><P>@Think 25% discount outweighs any credit card benefit, that is an amazing discount for autopay! &nbsp;I just get up my SL's also through Navient @Anonymous a month to be automatically deducted from my Checking account got a whopping .25% interest off the loans, but guessing that might outweigh any credit card bonus by paying by a CC on a 30k+ SL.. &nbsp;I think I will stick with the .25apr reduction unless I am looking at it wrong and my math is bad...&nbsp;</P><HR /></BLOCKQUOTE><P>I think you missed a period, 0.25% not 25%.</P><HR /></BLOCKQUOTE><P>lol I did... thank you, tired from work<img id="smileyhappy" class="emoticon emoticon-smileyhappy" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-happy.gif" alt="Smiley Happy" title="Smiley Happy" /></P> Mon, 13 Jul 2015 23:41:13 GMT https://ficoforums.myfico.com/t5/Credit-Cards/Meet-your-monthly-spending-with-Navient/m-p/4126982#M1163958 CreditCuriosity 2015-07-13T23:41:13Z https://ficoforums.myfico.com/t5/Credit-Cards/Meet-your-monthly-spending-with-Navient/m-p/4127008#M1163964 <P>I paid with my CC using the automation robot lady.&nbsp;</P><P>&nbsp;</P><P>Months ago I talked to a lady at Navient and she said that if you sign up for payments to automatically come out of your bank, that there's not guarantee the APR will go down. &nbsp;I decided against it. &nbsp;Mine are at 6.8%</P> Mon, 13 Jul 2015 23:50:26 GMT https://ficoforums.myfico.com/t5/Credit-Cards/Meet-your-monthly-spending-with-Navient/m-p/4127008#M1163964 Anonymous 2015-07-13T23:50:26Z https://ficoforums.myfico.com/t5/Credit-Cards/Meet-your-monthly-spending-with-Navient/m-p/4127019#M1163968 ugh screw Great Lakes i had to set up my bank info for them! i talked on the phone and lied and said i don't have a bank only a prepaid card because i don't have credit lol. didn't work. Mon, 13 Jul 2015 23:53:51 GMT https://ficoforums.myfico.com/t5/Credit-Cards/Meet-your-monthly-spending-with-Navient/m-p/4127019#M1163968 Anonymous 2015-07-13T23:53:51Z https://ficoforums.myfico.com/t5/Credit-Cards/Meet-your-monthly-spending-with-Navient/m-p/4127020#M1163969 I don't do that automatic payment thing..so I can pay with my credit card? Mon, 13 Jul 2015 23:54:07 GMT https://ficoforums.myfico.com/t5/Credit-Cards/Meet-your-monthly-spending-with-Navient/m-p/4127020#M1163969 Anonymous 2015-07-13T23:54:07Z