in Student Loan Refinancing from Navient Corporation




in Student Loan Refinancing from Navient Corporation

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Loan Amount $5,001 - $250,000
Loan Term (Years) 5 - 20 years
Fixed APR 3.48% - 7.35%
Variable APR 2.88% - 7.25%

NaviRefi Review

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

NaviRefi FAQ

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 2.88% to 7.25%.
Borrowers who choose a fixed-rate refinancing loan can expect APRs that range from 3.48% to 7.35% APR.

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?

No, NaviRefi does not charge prepayment fees. This means you will not have to pay additional fees if you decide to pay the loan off 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 may be 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.

U.S. citizens are, of course, eligible for the services offered by NaviRefi. Permanent resident / green card holders are also eligible to apply.

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

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

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  • Headquarters
  •   123 Justison Street
    Suite 300
    Wilmington, DE 19801
  •   Visit Site

Other Services by Navient Corporation


  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  
No Prepayment Fee  
Credit Score Range 720 - 850
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Self-Employed
  • Unemployed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Verification Documents Required
  • Proof of Income
  • Proof of Identity
  • Social Security Number
  • Driver License (or other photo ID)
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Payment Options Automatic Payments
Fixed APR 3.48% - 7.35%
Loan Amount $5,001 - $250,000
Variable APR 2.88% - 7.25%
Loan Term 5 - 20 years

NaviRefi Community Reviews


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Recommendation score measures the loyalty between a provider and a consumer. It's at 100% if everybody recommends the provider, and at -100% when no one recommends.

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