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NaviRefi Review

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Reviews 8

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Patrick Sather
Patrick Sather
Sep. 19, 20224 min read

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. With its 0.25% auto-pay discount, variable rates range from 2.49% to 7.99% APR, while fixed rates range from 3.74% to 8.49% APR. 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
NaviRefiat 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 2.49% to 7.99% (with autopay) APR and fixed rates range from 3.74% to 8.49% (with autopay) with eligible discounts. A minimum credit score of 650 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:
    2.49% to 7.99% (with autopay) variable,
    3.74% to 8.49% (with autopay) fixed
  • Minimum credit score: 650
  • 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 2.49% to 7.99% (with autopay) APR, and its fixed rates range from 3.74% to 8.49% (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 2.49% to 7.99% (with autopay), and fixed from 3.74% to 8.49% (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 3.99% – 8.74% APR (3.74% – 8.49% APR with Auto Pay discount). Starting variable interest rates are 2.74% APR to 8.24% APR (2.49% – 7.99% 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 byPatrick 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.

AverageReviews 8
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Trustpilot reviews

See what some costumers are saying about NaviRefi
AverageReviews 8
  • author
    Aug 21, 2022
    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!!!


  • author
    Nick Agnone
    May 02, 2022
    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.


  • author
    D Garcia
    Mar 21, 2022
    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


  • author
    Aaron Osborne
    Mar 29, 2021
    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.


  • author
    Alex Medrano
    Feb 23, 2021
    The worst

    The worst! They call non stop.


  • author
    May 19, 2020
    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...


  • author
    Feb 24, 2020

    Always so helpful, always quick and very professional kind customer service.


  • author
    Hillary Leben
    Nov 13, 2019
    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.


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