The listings featured on this site are from companies from which this site receives compensation. This may influence where, how and in what order such listings appear on this site

NaviRefi Review

Reviews 14
Visit Site
Reviews 14
Patrick Sather
Jun. 04, 2023
2 min read
Patrick Sather
NaviRefi Summary
For over four decades, NaviRefi has helped borrowers refinance their federal and private student loans. NaviRefi offers customizable terms from 5 to 20 years and a 0.25% auto-pay discount. NaviRefi charges no application, prepayment, or late fees, and getting a rate requires a hard credit check.


  • No application, prepayment, or late fees
  • No degree required to qualify
  • Flexible repayment terms
  • Hassle free payoff process


  • Not available in Nevada or U.S. territories
  • Not able to see rates without a hard credit check

NaviRefi at a glance

Editorial score

Online experience

Good online resources, but no access to rates

Customer services and support

Multiple ways of reaching lender but limited hours

Repayment flexibility

Offers flexible repayment plans & the option for special repayment programs

Loan Types Covered

Covers most student loan types


Doesn't cover bad credit, low income borrowers

NaviRefi NaviRefi Visit NaviRefi

Suitable For?

NaviRefi is suitable for existing customers of Navient who can refinance their student loans for a lower rate. If you qualify, it can help you save money with its competitive interest rates and no fees.

Loan Features

With NaviRefi, qualified applicants can refinance federal private, and Parent PLUS student loans. While all applicants begin in a standard repayment program, it provides a Reduced Rate Program for borrowers with private loans struggling to make payments. It offers flexible terms of 5-20 years. Variable rates range from 5.72% - 9.74% (with autopay) APR and fixed rates range from 4.96% - 9.74% (with autopay) with eligible discounts. A minimum credit score of 680 is required, and applicants must meet income and credit requirements to qualify. However, it does not charge any application, prepayment, or late fees.

  • Loan types: federal, private, Parent PLUS
  • Repayment terms: 5-20 years
  • APR:
    5.72% - 9.74% (with autopay) variable,
    4.96% - 9.74% (with autopay) fixed
  • Minimum credit score: 680
  • Fees: none

The Application Process

You can apply online or over the phone with a customer service representative. Although you can get your rate in three minutes, it does require a hard credit check. When applying, you may need to supply information including:

  • Social security number
  • Employer name 
  • Income

Loan Terms

Excluding Nevada, NaviRefi offers refinancing to borrowers nationwide. To qualify for a loan from NaviRefi, you must have attended an eligible Title IV school. Loans are only available to US citizens and non-permanent residents that meet the minimum age of majority in the state where they apply. 

Although it does not give you an option to apply with a co-signer, current co-signers may also refinance eligible loans in their name. The minimum loan amount is $5,001, while the maximum is $500,000. NaviRefi does not require you to possess a degree to qualify for a loan.

  • Availability: all states except Nevada
  • Eligibility: US citizens and non-permanent residents
  • Schools: Title IV schools
  • Degree: not required
  • Loan amount: $5,001-$500,000

Repayment Terms

NaviRefi offers customizable loan terms of 5-20 years. With its 0.25% auto-pay discount, its variable rates range from 5.72% - 9.74% (with autopay) APR, and its fixed rates range from 4.96% - 9.74% (with autopay) APR. Qualified borrowers may be eligible for deferment, forbearance, reduced payments, or extended terms. 

How Safe Is It? 

Although NaviRefi claims to protect the personal information of its users, it does not elaborate on its security features. Its parent company, Navient, is currently accredited with the Better Business Bureau. However, its status and rating are under review due to pending government lawsuits alleging multiple consumer protection violations.

Help & Support

You can call customer service 8am-9pm ET, Monday-Thursday, and 8am-8pm ET on Friday at 844-381-6621. In addition, you can use its automated phone system to check your account and make payments 24/7. If you prefer, you can also send a secure email through your online profile. Although NaviRefi lists FAQs on its website, it does not feature a resource center or mobile app.


Excluding Nevada, NaviRefi offers student loan refinancing to borrowers nationwide. If you receive an invitation, you may apply to refinance a public, private, or Parent PLUS loan. It provides flexible loan terms ranging 5-20 years. NaviRefi offers variable rates from 5.72% - 9.74% (with autopay), and fixed from 4.96% - 9.74% (with autopay). While it does not require borrowers to have a degree, rates are only available with a hard credit check. NaviRefi does not charge any application, prepayment, or late fees.

Physical Address


P.O. Box 8000

Fishers, IN 46038-8000

NaviRefi NaviRefi Visit NaviRefi


This review is based on information from NaviRefi's website and third-party reviews.


You can choose between fixed and variable rates. Fixed interest rates are 5.21% - 9.99% APR (4.96% - 9.74% APR with Auto Pay discount). Starting variable interest rates are 5.97% - 9.99% APR (5.72% - 9.74% APR with Auto Pay discount). Variable rates are based on an index, the 30-day Average Secured Overnight Financing Rate (SOFR) plus a margin. Variable rates are reset monthly based on the fluctuation of the index. We do not currently offer variable rate loans in AK, CO, CT, HI, IL, KY, MA, MN, MS, NH, OH, OK, SC, TN, TX, and VA.

Loan cost examples: These examples provide estimates based on payments beginning immediately upon loan disbursement. Variable APR: A $10,000 loan with a 20-year term (240 monthly payments of $85) and a 8.24% APR would result in a total estimated payment amount of $20,434. For a variable loan, after your starting rate is set, your rate will then vary with the market. Fixed APR: A $10,000 loan with a 20-year term (240 monthly payments of $85) and a 8.24% APR would result in a total estimated payment amount of $20,434. Your actual repayment terms may vary.


Patrick Sather
Written by
Patrick Sather
Patrick Sather is an award-winning personal finance writer and licensed broker who has worked for some of the largest financial firms in the United States, including TD Ameritrade and Pacific Life. A graduate of the University of Nebraska in both Economics and International Trade and English, his articles on life's most common financial decisions and quandaries are straightforward, practical, and always easy to understand.
Top Student Loans Refinance
Read Review|Visit Site
Read all reviews

Must Reads

Shed your student loan debt in 5 steps
Dec. 06, 2023
How to Send Your Kid to College Without Breaking the Bank
Dec. 06, 2023
Should I Get a Personal Loan or Student Loan Refinance?
Dec. 06, 2023
Read all articles
Trustpilot reviews
See what some customers are saying about NaviRefi
Reviews 14
5 months ago
If I could give negative stars I would
If I could give negative stars I would. Navient is a corrupt business. My loans should be on a repayment hold but instead Navient is calling up to 6 times per day (which is probably illegal) demanding payment. If I do answer the phone, I can't understand the person on the other because their english is so bad - I'm sure that is on purpose. This company is the worst. If I could move my loans elsewhere I would but Navient has damaged my credit so much that I am stuck with these jerks
7 months ago
NAVIENT ARE LIARS! If I could give zero Stars I would! They lied to me for years and essentially said that it was a federal loan I had from them when actually, it was a private student loan that could have been discharged in my bankruptcy, but Navient had a block on my account. Until recently Navient never gave me any information on how to how to get forgiveness or how to have a better plan. They also call me 2 3 4 5 times daily and this has been since February possibly the end of January everyday minus Sundays. I can never understand what they are saying on the phone and now the have knocked down my Credit score 100+ pts by reporting to the credit bureaus that my lone was delinquent. Technically the lones were private and for living expenses not for my actual education. I asked them for some documentation (promissory note, including any and all transactions and information for the time period of when Sallie Mae had the loan ect. and they sent me papers that are unacceptable and illegible. Navient is a crook Corporation that needs to be shut down because of them and their deceptive practices shutting down people's lives because of things I've mentioned above and other things people have experienced because of this horrible big corporate conglomerate that talks to our Senators and representatives to screw us. Their loan is time barred they will not get paid atleast until I get everything I have requested. Sending a cease and desist letter today or maybe tomorrow it's raining today LOL if I could give zero Stars I would
brian schaefer jr
9 months ago
For starters Navient does not always…
For starters Navient does not always have American speaking people / speaking English or even understanding English. They outsource their call Centers to foreign Countries! Secondly myself and many others students fought for our loans to be expunged / discharged, because the College was found to be for profit, lied, and used deceptive practices to lure in students to gain loans / money from them. Well the Federal Government stepped in and sued the College in question, so the tax payer doesn't have to worry, but Navient plays it off claiming they were suppose to get the letter first lol, no sorry you weren't part of the Lawsuit. They even went as far as telling me that I needed to start paying immediately otherwise I would lose my IDR (income driven repayment) plan, but that was false, because I was enrolled in the IDR and it was current. I also had an American rep from Navient claim I did not have to pay until 2030 due to the ongoing Borrower Defense and getting proof I won, Navient did not want that Federal Letter! Navient is one of the worst businesses to use for any loan!
april gray
a year ago
Pick another agency
I have been dealing with Sallie Mae/Navient for over 15 years. There is no grade lower than "garbage" I can give this company for its: customer service, products offered, transparency/clear information, and unintuitive. The business of education is costly and will be with you for a long time, if you are not one of the "fortunate sons". Pick a company that will be there for you the whole journey.
travis mandenberg
a year ago
Navient purposely makes it difficult to…
Navient purposely makes it difficult to set up automatic payments hoping to collect more off of late fees. Any excuse they can give they will do it. Knowing that people working two or 3 jobs trying to pay off their loans won't have time for the 2 -5 phone calls at 20-40 minutes to set those up after a missed payments or any other excuses they give.
d garcia
a year ago
Greedy company I am not eligible for…
Greedy company I am not eligible for Biden Harris student debt relief because Navient is a private greedy capitalistic company
a year ago
The GREED of Navient is Shameful!
I had an IBR plan of $55.88 and requested a postponement of 2 months. Instead NAVIENT increased my payments to $600.00. I am a senior citizen with limited earnings. Shame on them!!!
nick agnone
2 years ago
Super disappointing
I've had the misfortune of having to deal with the imbeciles at Navient for over 8 years. The combination of poorly trained "customer service experts" with extremely sloppy record-keeping leaves you with the sensation of wanting to pull your own hair out with every email and phone call. I moved out of my parents house over 10 years ago and they continue to receive "urgent" mail that is directed to me. I have made this correction about a half-dozen times. When I reach out to customer service and finally reach an actual live person (30 minute wait), the representative seems more lost by my questions than I am. Super disappointing.
d garcia
2 years ago
Navient is a private entity who is…
Navient is a private entity who is making money at the expense of struggling middle class. Horrible greedy company. And because they are a private entity one cannot ask for loan forgiveness via the federal government
aaron osborne
3 years ago
Navient sucks.
The only thing they've done successfully is take my money. Anything out of the ordinary occurs and you're going to be in for more stress than necessary. They have made it clear that their employees cannot be trusted to deliver on promises. Absolutely worthless company who is profiting off people trying to better themselves.
alex medrano
3 years ago
The worst
The worst! They call non stop.
4 years ago
I was paying this student loan…
I was paying this student loan consistently at 50 dollars, then increased it to 100 dollars FOR YEARS,then I noticed the balance never changed. I stopped because of hardship. I paid one time 500 dollars same thing the balanced never changed. I stopped due to frustration and I found out my balance of 5K, they splitted it 5 times that I owe 1K, IK,1K,1K,1K. They reported me delinquent 5 different times and 5 ways you could imagine to destroy your credit. NAVIENT YOU ARE SO BAD,FOR DOING THAT!!! THANK GOD there is STUDENT LOAN FORGIVENESS...
4 years ago
Always so helpful, always quick and very professional kind customer service.
hillary leben
4 years ago
Navient owns my student loans and they…
Navient owns my student loans and they have been fine. They’ve been helpful during times when I couldn’t make payments.