Help & Questions

The letter you received is a "prescreened" offer of credit. This offer is based on information in your credit report indicating that you meet certain criteria. To be approved for a NaviRefi loan, you must meet all of our criteria at the time of application.

If you do not want to receive prescreened offers of credit from Navient, Earnest, or other companies, call the consumer reporting agencies toll-free, at 1-888-567-8688, or write to: TransUnion LLC, Attn: Marketing Opt-Out, P.O. Box 505, Woodlyn, PA 19094-0505; Equifax Options, P.O. Box 740123, Atlanta, GA 30374-0123; or Experian Opt-Out, P.O. Box 919, Allen, TX 75013.

Before you apply for a NaviRefi loan, please be aware of our eligibility criteria. NaviRefi loans are available by invitation only to Navient customers. Loan eligibility depends on several factors, including your credit history, employment experience, and disposable income. Further, you must:

  • Be at least the age of majority in your state and be able to enter into a binding contract.
  • Be a United States citizen or non-citizen permanent resident of the United States.
  • Be employed or have sufficient income from other sources.
  • Have attended a school that is eligible for Title IV federal student aid.
  • Have a minimum of $5,001 in qualified education loans that will be refinanced.
  • Currently reside in a state where NaviRefi loans are offered. *

* Note: NaviRefi loans are not offered in all states. NaviRefi loans are not currently offered in the following states: CA, DE, or NV. Variable rates are not offered in all states. For the following states, NaviRefi loans are only available with a fixed interest rate: AK, CO, CT, HI, IL, KY, MA, MN, MS, NH, OH, OK, TN, TX, and VA. There are a small number of lenders and loan servicers who are not yet within our network for loan payoff processing.

Not necessarily. Graduation requirements are contingent on how much time has passed since you separated from the last school you attended and if that school was a not-for-profit or for-profit institution.

We’re able to refinance a minimum of $5,001 in qualified education loans. The maximum amount you may be eligible to refinance is up to $150,000 for students of undergraduate and master’s degree programs and up to $250,000 for students of medical, dental, pharmacy, or veterinary doctorate programs.

All rates are in terms of Annual Percentage Rate (APR). The interest rate you pay will be determined after you apply and select your interest rate type. The rate will be established by your credit history and other factors including the length of repayment term you select.

You can choose between a fixed or variable rate for your loan. When choosing between a fixed or variable interest rate loan, you should consider the repayment term of the loan, how much you value predictability in your budget, and the current interest rate environment. Once you sign your credit agreement and the cancelation period provided in your Final Disclosure expired, your selected rate cannot be changed.

If you sign up for Auto Pay, you'll receive a 0.25% interest rate discount.

You can choose to repay your loan between 5 and 20 years, available in yearly increments.

Kentucky residents who refinance $15,000 or less are limited to a maximum repayment term of 10 years.

There is no origination fee on NaviRefi loans.

Your 16-digit invitation code can be found on the NaviRefi letter or email you received. You'll enter this code, along with your name and email to begin the application. Your invitation code is valid for up to 60 days and is used only when starting an application.

Prior to starting your application, you will need your:

  • Invitation code, if one is required.
  • Social Security number.
  • Employer name.
  • Total annual income – the applicant’s combined income from all sources, such as salaries and wages, bonuses, investments, public assistance income, self-employment income, overtime, alimony, and child support. You may, but are not required to, include income of other members of your household if you have access to their income and want it to be considered. Please note that you are not required to reveal alimony, child support, or separate maintenance payments if you don’t want it to be considered as a basis for repaying this loan.

Start a new application by selecting "Get My Rate.”

  • Follow the prompts to complete your application and read all disclosures. If you need assistance, please call our team at 844-381-6621 (Monday through Thursday 8 a.m. to 9 p.m. ET and Friday 8 a.m. to 8 p.m. ET).

Returning loan applicants will select "Resume Application." Not seeing this option?

  • You'll enter your Return Code and some identifying information that will take you to your application.
  • Follow the prompts to complete your application and read all disclosures. If you need assistance please call our team at 844-381-6621 (Monday through Thursday 8 a.m. to 9 p.m. ET and Friday 8 a.m. to 8 p.m. ET).

If your school is not on the list, we will be unable to process your application at this time. If you have a question or would like us to consider your school in the future, please call us at 844-381-6621 (Monday through Thursday 8 a.m. to 9 p.m. ET and Friday 8 a.m. to 8 p.m. ET).

Your return code would have been provided during your web application, in a recent email from us, or in a phone conversation with a NaviRefi team member. Your return code is valid for up to 61 days, at which point your credit inquiry will expire. If your return code expired, simply reapply within 60 days using your invitation code and begin a new application.

Simply give us a call at 844-381-6621 between the hours of 8 a.m. to 9 p.m. Monday through Thursday or Friday between 8 a.m. to 8 p.m., ET.

Our call center is available from Monday through Thursday 8 a.m. to 9 p.m. ET and Friday 8 a.m. to 8 p.m. ET.

In the U.S. 844-381-6621 (living abroad? Call 317-598-4024)
Fax 844-653-8823
Mail NaviRefi
P.O. Box 8000
Fishers, IN 46038-8000

When you apply for a NaviRefi loan, you can include any qualified education loans that were taken out in your name and used to finance your education – both undergraduate and graduate federal and private student loans.

Qualified education loans include loans that were incurred solely to pay for Qualified Higher Education Expenses, as that term is defined by Section 221(d) of the Internal Revenue Code of 1986 (26 U.S.C §221(d)(2)).

Other loans (such as credit card or mortgage loans) can’t be included in the refinance even if they were used to pay education expenses.

Also, you may be able to refinance student loans you previously consolidated or refinanced into a single loan.

Consolidation and refinancing are sometimes used interchangeably, but student loan consolidation is most commonly used when referring to the Federal Direct Consolidation Loan program offered by the U.S. Department of Education (“Federal Direct Consolidation”). Federal Direct Consolidation is the process of combining one or more federal student loans into a single new loan. When you consolidate federal loans through the Federal Direct Consolidation Loan Program, you’re combining one or more federal loans together with a resulting fixed interest rate that’s defined by federal regulations to be the weighted average of your original loans’ rates. You will have a new loan with potentially a new interest rate, a new monthly payment amount, and repayment length.

Refinancing most commonly refers to private student loan refinancing, which gives you the ability to refinance one or more federal and/or private student loans into a single new private loan with new terms, including a new interest rate, monthly payment amount, and/or repayment length.

Even if you’ve previously consolidated or refinanced your student loans, you may be able to further lower your interest rate and/or your monthly payment by refinancing with a NaviRefi loan.

Please note that refinancing federal student loans into a private student loan means loss of eligibility for federal loan benefits and repayment programs, such as Income-Driven Repayment.

Variable rates are typically based on the index plus a margin. Initially, a variable rate loan may be lower than your fixed rate option. However, over time, the variable rate may change at certain intervals based on the index for the variable rate, and the monthly payment amount may change as well.

For instance, your variable rate may use the one-month LIBOR rate as the index. LIBOR, or London Interbank Offered Rate, is the average of interest rates estimated by banks. LIBOR is a benchmark rate that some of the world’s leading banks charge each other for short-term loans. A variable rate that uses the one-month LIBOR as its index can be reset monthly based on the LIBOR rate published as of a certain day of the month. The potential range of variable rates will be disclosed to you prior to submitting your application, with disclosure of your initial variable rate to follow if you are approved and if you accept the loan.

A fixed rate is an interest rate that does not change over the life of the loan. The potential range of fixed rates will be disclosed to you prior to submitting your application, with disclosure of your fixed rate to follow if you are approved and if you accept the loan.

No. A NaviRefi loan can only be used to refinance student loans that were previously in one person’s name. You and your spouse would each apply separately for refinancing.

First, you should know that refinancing private and federal student loans may not be the right decision for everyone.

If you refinance your federal and/or private student loans with a NaviRefi loan, you will lose benefits associated with your underlying federal and private loans, including the ability to select Income-Driven Repayment or other flexible payments plans that are available to federal student loan borrowers.

Federal student loans offer various deferment (for example, economic hardship deferment), forbearance, lower payment plans, and loan forgiveness options (for example, Public Service Loan Forgiveness) that are not available to you if you take out a refinanced loan. However, private refinance forbearance and deferment options may be available to you at lender discretion.

If you are currently serving on active duty in the military and you obtain a new loan (including a refinance loan), you may lose certain benefits under the Servicemembers Civil Relief Act (SCRA) such as the 6% interest rate cap.

Your NaviRefi loan enters repayment immediately after funds are disbursed. Any current deferment or forbearance on your underlying loans will not transfer to your NaviRefi loan.

You may lose benefits associated with your underlying federal and/or private loans if you refinance, such as federal Income-Driven Repayment plans, Economic Hardship Deferment, Public Service Loan Forgiveness, or other deferment and forbearance options. If you file for bankruptcy, you may still be required to pay back this loan.

See NaviRefi loan Repayment Options for options once you are a NaviRefi customer.

Yes. NaviRefi loans are made by Earnest Operations LLC and serviced by Navient Solutions, LLC ("Navient"). Your lender and servicer are members of the Navient family of companies.

Navient Solutions, LLC (“Navient”) is the servicer of NaviRefi loans, under the NaviRefi brand.

Our goal is to provide a consistent and seamless customer experience for the entire life of the loan.

You can manage your NaviRefi loan by logging in to your account on NaviRefi.com. If you had an account at Navient.com prior to refinancing, please note that NaviRefi loans are only accessible at NaviRefi.com. You can continue to access information regarding prior Navient-serviced loans at Navient.com.

For most customers, there are no applicable taxes to pay. For all loan documents executed in Florida, a stamp tax calculated as $0.35 for each $100 (or portion thereof) of the principal loan amount is levied by the state government.

We apply the stamp tax to the total loan balance. The transaction will be labeled “Florida Department of Revenue - Stamp Tax.” All of this tax goes directly to the Florida Department of Revenue.

Shortly after a NaviRefi loan is disbursed and enters repayment, we begin providing monthly account updates to four national consumer reporting agencies: Equifax, Experian, TransUnion, and Innovis. These updates include the loan balance and status, including whether payments are current or delinquent. We report to consumer reporting agencies in accordance with industry standard reporting guidelines.

To ensure that your account is reported in good standing, make all your payments on time. Enrolling in Auto Pay is a great way to stay current with your payments.

To review information that has been reported to the consumer reporting agencies, you can obtain a free copy of your credit report on an annual basis. Go to AnnualCreditReport.com.

Please note that NaviRefi loans are reported under the name "Navient" because Navient Solutions, LLC (“Navient”) is the loan servicer and data furnisher.

Our call center is available from Monday through Thursday 8 a.m. to 9 p.m. ET and Friday 8 a.m. to 8 p.m. ET.

In the U.S. 844-381-6621 (living abroad? Call 317-598-4024)
Fax 844-653-8823
Mail NaviRefi
P.O. Box 8000
Fishers, IN 46038-8000

Begin by selecting "Customer Log In.” Select "Register Now" and complete the fields requested to create your NaviRefi customer account profile.

Make an Individual Payment

  • Sign into your profile and select "Make a Payment."
  • Complete the payment amount and date along with your bank account and routing number.
  • You can save this information for future payments.

Enroll in Auto Pay

  • Select the plus symbol within "Details."
  • Ensure your bank account is listed or "Add Bank."
  • Select "Enroll in Auto Pay" and select "Submit" after you have read, understood, and agreed to the Auto Pay Authorization.

Go to How Payments Work for additional information on how payments are applied.

Start by selecting "Customer Log In." Not seeing it?

Select "Forgot User ID" or "Forgot Password" and follow the prompts to gain access to your account.

Your first payment will be due 25-60 days after the Disbursement Date. You’ll be sent a welcome letter soon after the Disbursement Date. Upon receipt, you'll be able to "Register Now" for a new online NaviRefi account, sign in, and provide or update, if needed, your banking information.

You can make payments over the phone using a debit card issued by a U.S. bank.

Debit card payments can’t be made online at this time.

We do not accept credit card payments.

When you log in to your account, your Current Balance, which displays at the top of the page, is your loan payoff amount. You can also contact us to request a payoff statement.

When payments are received, they’re typically applied first to any unpaid fees, then to unpaid interest, and then to unpaid principal.

Learn more about How Payments Work

The Annual Percentage Rate (APR) is disclosed at the time you take out your loan. Refer to the disclosures issued to you during the application process, at approval, and at your acceptance of the loan.

APR represents the annual cost of borrowing money, including interest, fees, and premiums, based on the expected term of your loan.

Loans enrolled in Auto Pay earn a 0.25% interest rate reduction.

The reduced rate goes into effect the statement period following confirmation of your Auto Pay enrollment and continues as long as you are enrolled in Auto Pay. The rate reduction is suspended during any periods when payments are postponed or not required.

You can enroll in Auto Pay once you receive your welcome letter confirming that your NaviRefi loan has been disbursed and is active on our loan servicing systems.

Our call center is available from Monday through Thursday 8 a.m. to 9 p.m. ET and Friday 8 a.m. to 8 p.m. ET.

In the U.S. 844-381-6621 (living abroad? Call 317-598-4024)
Fax 844-653-8823
Email Log in to your account and navigate to the Help & Questions page to send us a secure email.
Payment Address NaviRefi
P.O. Box 9115
Wilkes-Barre, PA 18773-9115

Note: when you send us correspondence, please provide your account number and sufficient detail so that we can address your inquiry.

Resources are available to assist borrowers who have tried unsuccessfully to resolve a problem through their servicer. Please refer to your state's relevant authority. For federal loans, you can also write to the U.S. Department of Education, FSA Ombudsman, 830 First street, Fourth Floor, NE, Washington, DC 20202-5144.

We're happy to change your monthly due date to one that works better for you. You may choose any date from the 3rd through the 22nd of each month.

Note that your loans must be current for us to make this change, and it may take up to one full billing period for the date to change.

We’ll notify you when we’ve processed your request, or you can check your Summary for the changed due date.

You can always pay more than your monthly payment amount, without penalty, to reduce your Current Balance. By paying more now, you'll pay less over the life of the loan.

If your account is current and you make an overpayment, the extra funds will reduce the amount of any future payments. For example, if you pay an extra $25 and your Monthly Payment Amount is $100, your next payment due will be $75. If the extra funds are more than the next Monthly Payment Amount, your billing statement will show zero due. Even if you have a zero-amount due on your billing statement, continuing to make payments will reduce your total costs of borrowing. You can contact us to set your account, so all future overpayments do not apply to your next payment and you will be due for next month’s payment as usual.

Note that for loans enrolled in Auto Pay, we ‘ll extract your Monthly Payment Amount automatically each month regardless of any overpayments.

No. There is no prepayment penalty or any other penalty for paying more than the minimum monthly payment or for paying off the entire loan early.

The monthly payment amount can increase when:

  • Your loan has a variable interest rate and the rate increases.
  • Due to past periods of delinquency or inconsistencies in your payment history, an increase in your monthly payment may be required to ensure the loan is paid off within its stated repayment term.
  • Unpaid interest is capitalized – added to your unpaid principal balance – causing the interest to accrue on a higher balance, making your payments higher. Capitalization typically occurs at the end of periods of deferment or forbearance.

Interest begins to accrue on the day of disbursement and continues to accrue daily on your unpaid principal balance until the loan is paid in full.

Refer to your loan's promissory note for specific information regarding interest accrual.

You may be able to deduct up to $2,500 of the interest you pay each year on qualified education loans, which could reduce your taxable income on your federal tax return.

Learn more on the IRS website

Form 1098-E is a Student Loan Interest Statement for borrowers who have paid $600 or more in eligible student loan interest during the calendar year.

You may be able to deduct an amount lower than $600. Consult your tax advisor if you have questions.

Cosigners are not eligible to receive a Form 1098-E for loans they cosigned.

We are not able to provide you with tax advice. Your tax advisor can provide additional information about the tax treatment of your student loan interest.

Capitalization is when unpaid accrued interest is added to your unpaid principal balance. Capitalization may occur at the end of periods of deferment or forbearance, as permitted by law and your loan agreement.

As a result of capitalization, more interest may accrue over the life of the loan, and the monthly payment amount may increase after capitalization.

In the event you return to school or experience a hardship there may be deferment and/or forbearance options available to you. These options are solely at the lender’s discretion and may be modified or discontinued.

As a member of the military, you may be eligible for certain benefits and repayment options to help you manage your student loans while you’re serving your country. For instance, if you enter active duty military service after obtaining a loan, you may be eligible for benefits under the Servicemembers Civil Relief Act (SCRA).

Please note: If you are currently serving on active duty in the military and you obtain a new loan (including a refinance loan), you may lose certain benefits under the SCRA such as the 6% interest rate cap.

Learn about the Servicemembers Civil Relief Act (SCRA) benefit

Learn more about the options available for Military Service Personnel

In addition, service members can call our dedicated Military Benefits Team at 855-284-4879.

A dedicated specialist will assist you with all aspects of the SCRA benefit and other military benefits for which you may be eligible.

Specialists are available Monday through Thursday 8 a.m. to 9 p.m. ET and Friday 8 a.m. to 8 p.m. ET.

Contact us to generate an account information email for you.

If we receive notice that a party to a loan has filed for bankruptcy, we will honor the automatic stay of the Bankruptcy Court and cease collection efforts against that person while the automatic stay is in place.

As qualified education loans, NaviRefi loans may not be dischargeable in bankruptcy. We are not able to provide you with legal advice. Please consult your legal advisor for further information.

Our call center is available from Monday through Thursday 8 a.m. to 9 p.m. ET and Friday 8 a.m. to 8 p.m. ET.

In the U.S. 844-381-6621 (living abroad? Call 317-598-4024)
Fax 844-653-8823
Email Log in to your account and navigate to the Help & Questions page to send us a secure email.
Payment Address NaviRefi
P.O. Box 9115
Wilkes-Barre, PA 18773-9115

Note: when you send us correspondence, please provide your account number and sufficient detail so that we can address your inquiry.

Resources are available to assist borrowers who have tried unsuccessfully to resolve a problem through their servicer. Please refer to your state's relevant authority. For federal loans, you can also write to the U.S. Department of Education, FSA Ombudsman, 830 First street, Fourth Floor, NE, Washington, DC 20202-5144.