Name: NaviRefi Student Loans
Item: NaviRefi
Rating: 4.3
Author: Rebecca Betterton

At a glance

Find my best rate

with Credible

4.3

Bankrate Score

Repayment Options

4.1

Affordability

4.5

Customer Experience

4.1

Full methodology

NaviRefi, part of Navient Solutions, is a student loan refinance product designed to help make federal and private student loans more manageable. It takes just a few minutes to check your rate, and you can refinance in the future if rates drop again.

Lender Details

Loan amount

$5,001 - $500,000

APR from

3.89% Fixed; 5.88% Variable

Term lengths

5 to 20 years

Min Credit Score

650

Refinance student loans with NaviRefi

NaviRefi allows you to refinance undergraduate, graduate and professional student loans. It’s a good option for those who can qualify and are looking for additional benefits. Depending on your financial profile, you might be eligible for a lower interest rate.

If you qualify for a lower rate than what you have now — and you aren’t increasing the loan term — you could save money in the long run. Your APR will be set based on factors such as your credit history and the length of your loan term. Here are the rates you can expect, including the autopay discount:

Loan product	Fixed APR	Variable rate	Dollar amount	Term range
Student loan refinancing	3.89% - 9.89%	5.88% - 9.99%	$5,001 - $500,000	5 - 20 years

When you refinance with a NaviRefi loan, you’ll need to start making payments a month following disbursement. If you experience financial hardship later on, Navient has several ways to help make your loan payments more affordable:

Standard repayment gives you a set monthly payment for a specified repayment term.
Forbearance allows you to temporarily reduce or suspend payments. There is also a feature that allows you to skip a payment once during a 12-month period after you've made six consecutive on-time payments.
The rate reduction program temporarily reduces your interest rate — and therefore your monthly payment — for increments of six months.
The term and rate modification gives you the benefits that come with the rate reduction program along with an extended loan term.

Navient also offers deferment options, which allow you to temporarily postpone payments while you’re:

Enrolled in school at least half-time.
Receiving training through an internship, residency or fellowship program.
Serving in the military.

Where NaviRefi stands out

Flexible repayment options: Borrowers who are struggling to afford payments have several repayment options.
No fees: Borrowers won’t have to worry about origination fees or prepayment penalties.
Low interest rates: NaviRefi offers competitive rates that can make borrowing less expensive compared to other lenders.

Where NaviRefi falls short

Not available in all 50 states: Residents of Nevada are not eligible to apply for refinancing.
No online prequalification: When you apply, the lender performs a hard credit pull to provide you an interest rate quote.
Potential problems with the servicer: NaviRefi loans are part of Navient Solutions, which has faced multiple lawsuits in the past.

NaviRefi customer service

NaviRefi loans are originated by Earnest and serviced by Navient. You can contact NaviRefi’s customer service by phone Monday through Friday from 8 a.m. to 8 p.m. ET.

Despite the A+ BBB-rating held by Navient, the volume of poor customer reviews may be cause for concern. Many of the more recent reviews cite account discrepancies and repayment issues along with subpar customer support.

How this lender compares

4.3

Bankrate Score

APR from

3.89% Fixed; 5.88% Variable

Loan Amount

$5,001 - $500,000

Min Credit Score

650

Compare rates

on Bankrate

3.9

Bankrate Score

APR from

6.000% Fixed; 7.150% Variable

Loan Amount

$2,001 to $225,000

Min Credit Score

Not disclosed

Read our review

on Bankrate

4.6

Bankrate Score

APR from

3.99% Fixed; 4.99% Variable

Loan Amount

$1,000 to $225,000

Min Credit Score

Not disclosed

Read our review

on Bankrate

NaviRefi vs. EDvestinU

Like NaviRefi, EDvestinU is a private student loan lender that offers new and refinance loans. It is a New Hampshire-based company that offers discounts to residents. NaviRefi has a larger range of loan amounts, up to $500,000 versus the $200,000 refinance maximum EDvestinU allows. One feature that makes EDvestinU stand out against NaviRefi is available in-person customer support.

NaviRefi vs. Citizens Bank

Winner of Bankrate’s 2025 best for parents award, Citizens Bank is a great option for borrowers looking to refinance less than NaviRefi’s $500,000 maximum. The lender offers the same five to 20 year repayment options and allows cosigner releases following 36 consecutive payments. Another standout feature is that Citizens offers a range of refinancing options, including ones for medical residents and parents.

Do you qualify for a refinance loan with NaviRefi?

A NaviRefi loan is a good option if you already have a loan serviced by Navient, you’ve been invited to apply and your rates are more competitive than what you’d get with other lenders. It also helps if you’ve already graduated, and you’re employed, as Navient will partly base your qualification and loan terms on your employment status and income.

If you’re a current Navient customer but haven’t received an invitation to apply for a NaviRefi loan, call the company and ask about eligibility. Or you could explore other options elsewhere.

If you’ve received an invitation to apply for a NaviRefi loan, you’ll also need to meet other requirements.

- Age. You must be at least the “age of majority” — which is 18 in every state except Nebraska and Alabama, where it’s 19 — to apply for one of these loans.
- Citizenship status. You must be a U.S. citizen or a qualifying noncitizen permanent resident.
- Credit history. Your credit report should be free of recent collection accounts and bankruptcy filings.
- Educational history. You must have attended a Title IV-eligible school or higher education institution.
- Housing payments. You should be current on your monthly mortgage or rent payments.
- Loan amount. You must refinance at least $5,001 in qualified education loans, or $10,001 if you live in California.
- Location. NaviRefi loans are available to borrowers who live in Washington, D.C., and every state except Nevada and the U.S. territories. In certain states, variable interest rates are not available.
- Strong financial standing. Navient will review your credit history, employment experience and income. You must have a minimum credit score of 650, or 700 if it's been six or more years and you attended but did not graduate from a not-for-profit college.
- Sufficient earnings. You’ll need to earn enough from your employer or another eligible source to make the loan payments.

How to apply for a refinance loan with NaviRefi

Applying for a NaviRefi loan no longer requires you to have an invitation with a code. The process is similar to many other loan applications.

Visit the website. Select "Check your rate" and then either enter your invitation code or select that you can't find your code.
Follow the instructions. Once you've started the form, fill out all of your details.
View loan offers and formally apply. If you’re approved, follow the prompts to complete your application. You’ll need your Social Security number, employer name and total annual income.

How Bankrate rates NaviRefi

Overall Score	4.3
Repayment Options	4.1	NaviRefi is available in most states, with loan amount and term options that are better than industry averages.
Affordability	4.5	Rates offered by NaviRefi are fairly low and it offers an autopay discount.
Customer Experience	4.1	While NaviRefi’s customer support is limited to weekdays, it has an easy-to-navigate online experience.

Methodology

Bankrate's trusted student loans industry expertise

Read our full methodology

48

years in business

15

lenders reviewed

13

loan features weighed

195

data points collected

The Bankrate team uses a 13-point system to evaluate student loan refinance products. This scoring criteria measures how lenders perform across three main categories.

Minimum and maximum loan amounts, state availability and repayment options are included in this category. Lenders that offer the most flexibility and have the widest service footprint receive higher scores.
Fixed and variable interest rates, fees, penalties and discounts are measured in this category. Higher scores go to lenders with the lowest rates, fewer fees and multiple discounts.
An online application and account management tools, customer support hours and repayment options are all considered in this category. We also consider whether a well-rated app is available as a bonus.

Editorial disclosure: All reviews are prepared by Bankrate.com staff. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. The information, including rates and fees, presented in the review is accurate as of the date of the review. Check the data at the top of this page and the lender’s website for the most current information.

What customers think

What people across the web are saying about NaviRefi

In past years, Navient has faced multiple lawsuits alleging harmful and deceptive practices, so you may need to take extra steps to make sure that the company is handling your loan correctly.

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NaviRefi Student Loans: 2025 Review

The Bankrate promise

At a glance

Lender Details

Loan amount

APR from

Term lengths

Min Credit Score

Refinance student loans with NaviRefi

Where NaviRefi stands out

Where NaviRefi falls short

NaviRefi customer service

How this lender compares

NaviRefi vs. EDvestinU

NaviRefi vs. Citizens Bank

Do you qualify for a refinance loan with NaviRefi?

NaviRefi's requirements

How to apply for a refinance loan with NaviRefi

How Bankrate rates NaviRefi

Methodology

Bankrate's trusted student loans industry expertise

Availability

Affordability

Customer experience

What customers think

What people across the web are saying about NaviRefi

We wanna know what you think about Navirefi

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