in Student Loan Refinancing from Navient Corporation




in Student Loan Refinancing from Navient Corporation

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Community Rating Strongly not recommended
Fixed APR 3.48% - 7.15%
Loan Amount $5,001 - $250,000
Variable APR 2.46% - 6.63%
Loan Term 5 - 20 years

NaviRefi Review

NaviRefi is a student loan refinance offering by Navient Corporation, a lending platform. Founded in 2014, Navient Corporation offers student loan refinancing in 44 states (and Washington, DC).

What APRs does NaviRefi offer on its student refinancing loans?

The range of APRs you qualify for when refinancing a student loan vary widely by lender and will depend on your creditworthiness and the type of loan you choose. Loans with fixed rates will typically have higher APRs than loans with a variable rate. 

NaviRefi offers variable rate APRs that range from 2.46% to 6.63%.
Borrowers who choose a fixed-rate refinancing loan can expect APRs that range from 3.48% to 7.15% APR.

Rate is quoted with autopay discount*.

How much can you borrow via NaviRefi?

Loan amounts start at $5,001 and go up to $250,000

Does NaviRefi charge an origination fee?

No, NaviRefi does not charge a loan origination fee.

A loan origination fee is what some lenders charge for processing, underwriting, and funding a loan. Typically fees range from 0.5% to 5% of the loan amount. Whenever possible, go with lenders that don’t charge origination fees.

Does NaviRefi charge prepayment fees?

Yes, NaviRefi charges additional fees to borrowers who pay off their loans sooner than anticipated. Take this into consideration when choosing a lender because prepayment fees can reduce or even cancel the interest savings of repaying a loan early.

What terms does NaviRefi offer?

NaviRefi provides refinancing loans of 5 to 20 years.

What type of borrowers will NaviRefi consider?

NaviRefi considers loans applications from:

  • undergraduate students
  • graduate students
  • undergraduate degree holders
  • graduate degree holders

What do you need to qualify for NaviRefi?

Applicants with a credit score of at least 720 and up to 850 are eligible for NaviRefi.

NaviRefi does not have or does not disclose a minimum annual income eligibility requirement. NaviRefi will consider borrowers regardless of their employment status if they can prove their ability to repay their obligations.

The Military Lending Act (32 C.F.R. § 232) prohibits lenders from charging service members more than 36% APR on credit extended to covered borrowers. Active duty service members and their covered dependents are eligible to apply for a loan via NaviRefi. Their rates fall within the limits of The Military Lending Act.

Only U.S. citizens and permanent residents can apply for a loan.

To qualify, applicants may need to provide the following documentation:

  • Proof of income
  • Driver's license
  • Proof of identity

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  •   123 Justison Street
    Suite 300
    Wilmington, DE 19801
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Other Services by Navient Corporation


Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
  Available in 44 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • Colorado
  • Connecticut
  • Washington, DC
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Iowa
  • Kansas
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

No Origination Fee  
Credit Score Range 720 - 850
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Self-Employed
  • Unemployed
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Verification Documents Required
  • Proof of Identity
  • Proof of Income
  • Social Security Number
  • Driver License (or other photo ID)
Variable APR 2.46% - 6.63%
Loan Amount $5.001K - $250K
Loan Term 5 - 20 years
Fixed APR 3.48% - 7.15%

NaviRefi Community Reviews


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