Earn a $500 cash bonus (min $50k loan)*, exclusively for being referred by White Coat Investor** and the Fire Your Financial Advisor Course ($799 Value) exclusively when you refinance your student loans with a NaviRefi loan. Get your new rate in just 3 minutes.


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Why Choose NaviRefi by Navient to Refinance Your Student Loans?

NaviRefi by Navient believes refinancing student loans should be easy. With a fast application process and no fees, including no application, prepayment, or late fees—taking control of your financial future with a NaviRefi loan is painless. Customizable loan terms are designed to fit your budget and financial goals to help save you money every month or pay off your student debt faster. You can even combine existing federal and/or private loans into one simple, smarter loan***. In addition, their lifetime service difference is built upon four decades of specializing in the ever-changing loan industry, so unlike other lenders, they’ll never pass you off to third-party service providers. The minimum amount to refinance is $5,001 and maximum is $500K. Get $500* when you sign a NaviRefi loan using links on this page and refinance loans >$50K.

Quick and easy online experience
It takes three minutes to get your new rate, and signing your loan is a simple three-step process to lock in your potential savings.

Holistic process for lower rates
Rates are based on your full credit and financial profile—not just your FICO score. So you reap the benefits of their thorough approach to underwriting.

Hassle-free payoff
With a NaviRefi loan, the payoff process is streamlined and convenient, with no need to upload any loan payoff documentation.

Options that fit your needs
Refinancing solutions are designed for your unique financial situation with fixed or variable rates and customizable loan terms.


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What NaviRefi Customers Say About Refinancing Their Student Loans

“Simple, straightforward and fast process with great rates.” Matthew, PA

“The process was easy and the rate was fantastic. It is also very easy to monitor, manage and pay my loan online.” Amy, MD

“Great customer service, fast and knowledgeable” Debbie, MI


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NaviRefi Student Loan Refinancing Terms and Conditions

*NaviRefi by Navient Welcome Bonus Offer Disclosure: Terms and conditions apply. To qualify for this NaviRefi Welcome Bonus offer: 1) you must not currently be a NaviRefi customer, or have received the bonus in the past, 2) you must submit a completed student loan refinancing application through the designated partner link; 3) you must provide a valid email address and a valid checking account number during the application process; and 4) your loan must be fully disbursed. The bonus will be automatically transmitted to your checking account after the final disbursement. There is a limit of one bonus per borrower. This offer is not valid for current NaviRefi customers who refinance their existing Navient loans, customers who have previously received a bonus, or with any other bonus offers received from NaviRefi by Navient. Bonus cannot be issued to residents in KY, MA, or MI.

**White Coat Investor receives compensation from Navient on a per-funded loan basis.

***You may lose benefits associated with your underlying federal and/or private loans if you refinance such as federal Income-driven Repayment Plans, Economic Hardship Deferment, Public Service Loan Forgiveness, or other deferment and forbearance options. If you file for bankruptcy, you may still be required to pay back this loan.

NaviRefi loans are made by Earnest Operations LLC (NMLS# 1204917), a member of the Navient family of companies, subject to individual approval and underwriting criteria.

You can choose between fixed and variable rates. Fixed interest rates are 5.46% – 9.49% APR (5.21% – 9.24% APR with Auto Pay discount). Starting variable interest rates are 5.82% – 9.44% APR (5.57% – 9.19% 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.

© 2021 Navient Solutions, LLC. All rights reserved. NaviRefi loans are serviced by Navient Solutions, LLC (NMLS# 212430). NaviRefi and the NaviRefi logo are registered service marks of Navient Solutions, LLC. Navient and the Navient logo are registered service marks of Navient Solutions, LLC. Navient Corporation and its subsidiaries, including Earnest Operations LLC and Navient Solutions, LLC, are not sponsored by or agencies of the United States of America. THIS IS AN ADVERTISEMENT. YOU ARE NOT REQUIRED TO MAKE ANY PAYMENT OR TAKE ANY OTHER ACTION IN RESPONSE TO THIS OFFER.