The short answer
This charge is a federal student loan payment processed by Aidvantage. Aidvantage is the loan servicing arm of Maximus Education, LLC, which took over Navient's federal student loan portfolio.
Why am I being billed by Aidvantage?
If you previously had federal student loans serviced by Navient, your account was legally transferred to Aidvantage when Navient ended its federal servicing contract. This billing descriptor appears when your monthly repayment is deducted.
Borrowers enrolled in AutoPay will see this transaction clear their checking account each month. Maintaining AutoPay grants a small interest rate reduction, but you must ensure sufficient funds are available to avoid overdrafts.
Did my loan terms change when transferring to Aidvantage?
No, the transfer from Navient to Aidvantage did not change your loan balance, interest rate, or repayment plan. Aidvantage simply took over the administrative billing duties on behalf of the Department of Education.
How do I update my income for an IDR plan with Aidvantage?
You must submit your annual recertification through StudentAid.gov or directly via the Aidvantage portal. If you fail to recertify, you may be reverted to the Standard Repayment plan, increasing your monthly charge.
Stopping Aidvantage automatic withdrawals
If you are unable to make a payment, do not just issue a stop-payment at your bank. This will cause your Aidvantage account to become delinquent and incur additional fees.
Instead, you must formally cancel your AutoPay enrollment through their official portal. If you are experiencing financial hardship, immediately request a forbearance or switch to a lower-cost Income-Driven Repayment (IDR) plan.
- Sign In Log in to your Aidvantage account online.
- AutoPay Settings Go to the Billing or AutoPay management section.
- Terminate Deduction Select the option to remove your bank account and cancel automatic monthly deductions.
Independent reference — not affiliated with Aidvantage. Billing names and policies change; verify with the merchant or your bank before acting.
Verified sources
Every claim on this page is checked against official sources — open them to confirm before you call your bank.
- Aidvantage Help Center https://aidvantage.com
- FSA Servicer Information https://studentaid.gov
Reviewed Aug 31, 2026 · high · About UnknownCharges