Student Loan Protection Soon Ends, 9.7M Borrowers Should Be Worried About Their Credit Ratings
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Sep 09 2024
0mins
Should l Buy NAVI?
Source: Benzinga
Impact of Student Loan Payment Moratorium Ending: The Biden administration's one-year moratorium on reporting late student loan payments to credit agencies is ending, potentially harming the credit ratings of millions of borrowers who are already behind on payments.
Student Loan Repayment Trends and Legal Challenges: Despite $168.5 billion in student debt forgiveness, repayment rates have declined significantly, and recent legal challenges have blocked new relief programs proposed by the Biden administration.
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Analyst Views on NAVI
Wall Street analysts forecast NAVI stock price to rise
7 Analyst Rating
1 Buy
3 Hold
3 Sell
Moderate Sell
Current: 9.390
Low
11.00
Averages
13.00
High
18.00
Current: 9.390
Low
11.00
Averages
13.00
High
18.00
About NAVI
Navient Corporation provides technology-enabled education finance solutions. The Company's businesses include Federal Education Loans and Consumer Lending. The Company's Federal Education Loans business includes owning and managing Federal Family Education Loan Program (FFELP) Loans and is the master servicer on this portfolio. Its Consumer Lending business includes owning and managing Private Education Loans and is the master servicer for these portfolios. The Company, through its Earnest brand, also refinances and originates in-school Private Education Loans. The Company helps students and families on the planning and paying for college journey. Its digital tools empower people to find scholarships and compare financial aid offers.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
Record Student Loan Complaints Reported, CFPB Omits Key Details
- Surge in Complaints: The CFPB report indicates that federal student loan complaints reached 18,400 for the year ending June 30, 2025, marking a 36% increase from the previous year and highlighting the growing challenges borrowers face, which could undermine trust in government student loan policies.
- Missing Report Details: Although the CFPB published a 21-page report, it omitted critical information regarding the nature of borrower complaints and the loan servicers involved, potentially leading to a lack of public understanding of student loan issues and affecting policy transparency and effectiveness.
- Borrower Hardships Intensify: Approximately 9 million individuals are currently in default on their education debt, with over 800,000 borrowers awaiting decisions on applications for affordable repayment plans, indicating significant pressure and uncertainty for borrowers under the Trump administration.
- Lack of Policy Recommendations: The CFPB's report fails to include recommendations for student loan cancellation and solutions, with experts noting that this omission could hinder defaulting borrowers from receiving necessary assistance, exacerbating the crisis in the student loan market.
See More
Growing Backlog in Student Loan Forgiveness Applications
- Current Backlog Status: As of November, over 80,210 applicants are waiting in the backlog for Public Service Loan Forgiveness (PSLF) buyback applications, an increase from 74,510 in August, indicating the Department of Education's processing capacity is insufficient, which negatively impacts borrowers' financial planning and psychological expectations.
- Policy Background Analysis: Since its implementation in 2007, the PSLF program aims to provide loan forgiveness to borrowers working for certain non-profits or government entities, but delays affecting over 83,000 borrowers during the Trump administration have hindered their debt repayment progress.
- Borrower Reactions: Many borrowers feel discouraged by the long wait times, with some expressing skepticism about the approval of their applications, highlighting the need for improved transparency and efficiency from the Department of Education, which may lead to concerns about their future financial situations.
- Future Outlook: Despite the backlog, experts still recommend that eligible borrowers continue to apply for PSLF buyback, emphasizing the importance of making loan payments during the wait to avoid losing forgiveness eligibility due to plan changes, ensuring borrowers can successfully achieve debt relief.
See More
Debt Influences Dating Preferences Among Americans
- Debt as a Dealbreaker: The 2026 Debt and Dating Research Report by Earnest reveals that 55% of participants consider at least one type of debt a dealbreaker, with payday loans (41%) and high-interest credit card debt (14%) being the most significant, indicating that debt is increasingly shaping dating preferences among Americans.
- Communication Gaps Heighten Tension: Despite 60% of respondents identifying money as the primary source of relationship tension, 61% wait until they are officially exclusive to disclose their debt, creating a silence that often exacerbates stress, mistrust, and conflict, highlighting a significant communication barrier regarding financial issues.
- Importance of Clear Plans: Emily Childers, CMO of Earnest, emphasizes that unmanaged debt is perceived as unmanaged life; while debt itself may not be a dealbreaker, the absence of a clear repayment strategy can turn it into a red flag, underscoring the necessity of having a defined financial plan in dating.
- Research Methodology and Context: The study is based on proprietary data collected in November 2025, including an anonymous survey of 1,102 Americans and qualitative insights from five in-depth user interviews, demonstrating the profound impact of debt on interpersonal relationships and the need for financial transparency in modern dating.
See More
Navient Corporation Q4 2025 Earnings Call Insights
- Leadership Changes: Navient appointed Steve Hauber as CFO and is searching for a fintech-experienced CFO to better align with its strategic goals, which is expected to enhance management efficiency and business execution.
- Significant Cost Reductions: The company successfully completed Phase 1 of its transformation, exceeding its $400 million expense reduction goal, which is projected to increase future loan cash flows by $2 billion, enhancing financial flexibility and supporting new growth initiatives.
- Innovative Loan Issuance: Earnest achieved total loan originations of $2.5 billion in 2025, with refinancing loans reaching $2.1 billion, and targets $4 billion in total loan originations for 2026, representing over 60% growth, indicating strong market demand.
- Optimistic Financial Outlook: Management expects core EPS for 2026 to range between $0.65 and $0.80, with expenses reduced to $350 million, reflecting confidence in future growth while emphasizing ongoing attention to credit quality.
See More
Navient Reports Q4 Earnings Miss with Strategic Transformation Updates
- Earnings Miss: Navient reported a Q4 non-GAAP EPS of $0.02, missing estimates by $0.29, indicating challenges in profitability that could undermine investor confidence.
- Significant Revenue Decline: The company's Q4 revenue of $137 million represents a 38.6% year-over-year decline, falling short of expectations, reflecting ongoing weakness in its core business that may hinder future growth.
- Strategic Transformation Progress: In its earnings report, Navient discussed progress in the strategic transformation of its Earnest division, demonstrating a commitment to innovation and market expansion despite financial challenges, which suggests long-term growth potential.
- Executive Change: Navient appointed Steve Hauber as CFO, a leadership change that may bring new financial strategies and management direction aimed at improving financial performance and enhancing market competitiveness.
See More
Navient to Announce Q4 Earnings on January 28
- Earnings Announcement Date: Navient (NAVI) is set to release its Q4 2023 earnings report on January 28 before market open, with a consensus EPS estimate of $0.31, reflecting a substantial year-over-year increase of 229.2%, indicating a significant improvement in profitability.
- Revenue Expectations Decline: Despite strong EPS expectations, the revenue estimate stands at $138.25 million, representing a 38.0% year-over-year decline, highlighting challenges in revenue growth that could impact overall financial health.
- Historical Performance Review: Over the past two years, NAVI has beaten EPS estimates 38% of the time and revenue estimates 75% of the time, demonstrating relative stability in financial forecasting, although recent estimates for both EPS and revenue have seen multiple downward revisions.
- Estimation Revision Dynamics: In the last three months, EPS estimates have undergone three upward revisions and six downward revisions, while revenue estimates have seen one upward and three downward revisions, indicating market divergence in expectations for Navient's future performance.
See More
Record Student Loan Complaints Reported, CFPB Omits Key Details
- Surge in Complaints: The CFPB report indicates that federal student loan complaints reached 18,400 for the year ending June 30, 2025, marking a 36% increase from the previous year and highlighting the growing challenges borrowers face, which could undermine trust in government student loan policies.
- Missing Report Details: Although the CFPB published a 21-page report, it omitted critical information regarding the nature of borrower complaints and the loan servicers involved, potentially leading to a lack of public understanding of student loan issues and affecting policy transparency and effectiveness.
- Borrower Hardships Intensify: Approximately 9 million individuals are currently in default on their education debt, with over 800,000 borrowers awaiting decisions on applications for affordable repayment plans, indicating significant pressure and uncertainty for borrowers under the Trump administration.
- Lack of Policy Recommendations: The CFPB's report fails to include recommendations for student loan cancellation and solutions, with experts noting that this omission could hinder defaulting borrowers from receiving necessary assistance, exacerbating the crisis in the student loan market.
See More
Growing Backlog in Student Loan Forgiveness Applications
- Current Backlog Status: As of November, over 80,210 applicants are waiting in the backlog for Public Service Loan Forgiveness (PSLF) buyback applications, an increase from 74,510 in August, indicating the Department of Education's processing capacity is insufficient, which negatively impacts borrowers' financial planning and psychological expectations.
- Policy Background Analysis: Since its implementation in 2007, the PSLF program aims to provide loan forgiveness to borrowers working for certain non-profits or government entities, but delays affecting over 83,000 borrowers during the Trump administration have hindered their debt repayment progress.
- Borrower Reactions: Many borrowers feel discouraged by the long wait times, with some expressing skepticism about the approval of their applications, highlighting the need for improved transparency and efficiency from the Department of Education, which may lead to concerns about their future financial situations.
- Future Outlook: Despite the backlog, experts still recommend that eligible borrowers continue to apply for PSLF buyback, emphasizing the importance of making loan payments during the wait to avoid losing forgiveness eligibility due to plan changes, ensuring borrowers can successfully achieve debt relief.
See More
Debt Influences Dating Preferences Among Americans
- Debt as a Dealbreaker: The 2026 Debt and Dating Research Report by Earnest reveals that 55% of participants consider at least one type of debt a dealbreaker, with payday loans (41%) and high-interest credit card debt (14%) being the most significant, indicating that debt is increasingly shaping dating preferences among Americans.
- Communication Gaps Heighten Tension: Despite 60% of respondents identifying money as the primary source of relationship tension, 61% wait until they are officially exclusive to disclose their debt, creating a silence that often exacerbates stress, mistrust, and conflict, highlighting a significant communication barrier regarding financial issues.
- Importance of Clear Plans: Emily Childers, CMO of Earnest, emphasizes that unmanaged debt is perceived as unmanaged life; while debt itself may not be a dealbreaker, the absence of a clear repayment strategy can turn it into a red flag, underscoring the necessity of having a defined financial plan in dating.
- Research Methodology and Context: The study is based on proprietary data collected in November 2025, including an anonymous survey of 1,102 Americans and qualitative insights from five in-depth user interviews, demonstrating the profound impact of debt on interpersonal relationships and the need for financial transparency in modern dating.
See More
Navient Corporation Q4 2025 Earnings Call Insights
- Leadership Changes: Navient appointed Steve Hauber as CFO and is searching for a fintech-experienced CFO to better align with its strategic goals, which is expected to enhance management efficiency and business execution.
- Significant Cost Reductions: The company successfully completed Phase 1 of its transformation, exceeding its $400 million expense reduction goal, which is projected to increase future loan cash flows by $2 billion, enhancing financial flexibility and supporting new growth initiatives.
- Innovative Loan Issuance: Earnest achieved total loan originations of $2.5 billion in 2025, with refinancing loans reaching $2.1 billion, and targets $4 billion in total loan originations for 2026, representing over 60% growth, indicating strong market demand.
- Optimistic Financial Outlook: Management expects core EPS for 2026 to range between $0.65 and $0.80, with expenses reduced to $350 million, reflecting confidence in future growth while emphasizing ongoing attention to credit quality.
See More
Navient Reports Q4 Earnings Miss with Strategic Transformation Updates
- Earnings Miss: Navient reported a Q4 non-GAAP EPS of $0.02, missing estimates by $0.29, indicating challenges in profitability that could undermine investor confidence.
- Significant Revenue Decline: The company's Q4 revenue of $137 million represents a 38.6% year-over-year decline, falling short of expectations, reflecting ongoing weakness in its core business that may hinder future growth.
- Strategic Transformation Progress: In its earnings report, Navient discussed progress in the strategic transformation of its Earnest division, demonstrating a commitment to innovation and market expansion despite financial challenges, which suggests long-term growth potential.
- Executive Change: Navient appointed Steve Hauber as CFO, a leadership change that may bring new financial strategies and management direction aimed at improving financial performance and enhancing market competitiveness.
See More
Navient to Announce Q4 Earnings on January 28
- Earnings Announcement Date: Navient (NAVI) is set to release its Q4 2023 earnings report on January 28 before market open, with a consensus EPS estimate of $0.31, reflecting a substantial year-over-year increase of 229.2%, indicating a significant improvement in profitability.
- Revenue Expectations Decline: Despite strong EPS expectations, the revenue estimate stands at $138.25 million, representing a 38.0% year-over-year decline, highlighting challenges in revenue growth that could impact overall financial health.
- Historical Performance Review: Over the past two years, NAVI has beaten EPS estimates 38% of the time and revenue estimates 75% of the time, demonstrating relative stability in financial forecasting, although recent estimates for both EPS and revenue have seen multiple downward revisions.
- Estimation Revision Dynamics: In the last three months, EPS estimates have undergone three upward revisions and six downward revisions, while revenue estimates have seen one upward and three downward revisions, indicating market divergence in expectations for Navient's future performance.
See More
