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Last Updated: 04/18/2025

NaviRefi

in Student Loan Refinancing from Navient Corporation

Last Updated: 04/18/2025

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Highlights

Fixed APR

3.48% - 7.35%

Variable APR

2.88% - 7.25%

Amount Range

$5,001 - $250,000

Loan Term (Years)

5 - 20

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:

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.

U.S. citizens and permanent resident / green card holders are eligible to apply for the services offered by NaviRefi.

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

Proof of income
Driver's license or other government photo ID
Proof of identity

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