Navient will not allow you to set up an automatic payment for more than what the monthly payment is. If you want to pay more than the monthly payment ( hence paying your loan off sooner, which should be encouraged!!!! ) you have to go in each month and do it manually. Navient has made it more difficult to pay off loans sooner so that they keep gaining interest $ from you. What a scam! I am in good standing with Navient ( XXXX XXXX ), I have always paid my monthly payments on time and would now like to pay off my loans sooner!