A student loan servicer is a company that collects payments, responds to customer inquiries, and provides guidance to borrowers. They work with borrowers on getting multiple loans consolidated, reducing their payment plans, and, in some case, getting their student loans forgiven altogether. The student loan servicer disburses money from federal loans, accepts applications, and processes any changes that occur throughout the life of the loan. Navient is one of the largest student loan modification consultation in California and across the country.