Student Loan Refinancing Application | NaviRefi

3 minutes to apply, quick and easy

Pay off loans faster, or lower your payments

Refinance your student loans into one payment

Great opportunity to continue working with Navient and save on monthly payments.

– Jennifer, New Hampshire

Term Fixed Rate Variable Rate
5-6 years 2.75%-4.75% 1.87%-3.73%
7-9 years 2.94%-4.80% 1.92%-3.78%
10-11 years 2.99%-4.85% 1.97%-3.83%
12-14 years 3.09%-4.95% 2.07%-3.93%
15-16 years 3.19%-5.05% 2.17%-4.03%
17-19 years 3.34%-5.20% 2.32%-4.18%
20 years 3.49%-5.35% 2.47%-4.33%

Current Student Loan Details


Your Current Student Loan Details

Standard Repayment Plan
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Navient Refi
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(or TRD3)

By providing your email address, you allow us to use it to contact you about your loan and tell you about our products and services.

NaviRefi loans are available by invitation only.

You can refinance up to $150,000 in existing student loans, or up to $250,000 if you have a medical, dental, veterinary, or pharmacy degree.

Interest Rate upon approval

All rates are in terms of Annual Percentage Rate (APR).

The Interest Rate you pay will be determined after you apply and select your interest rate type; the fixed interest rate range will be between 3.00% - 5.60% (2.75% - 5.35% with auto pay discount) and the starting variable interest rate range will be between 2.12% - 4.58% (1.86% - 4.32% with auto pay discount). The rate will be established by your credit history and other factors.

Interest Rate during the life of the loan

If you select the fixed rate loan type. Fixed interest rates range between 3.00% - 5.60% (2.75% - 5.35% with auto pay discount) and will never change during the life of your loan.

If you choose the variable rate loan type.

This means that your actual rate varies with the market and could be lower or higher than the rate on this form. Variable rate shall be based on the one-month London Interbank Offered Rate ("LIBOR") published in The Wall Street Journal's website on the twenty-fifth day, or the next business day, of the calendar month immediately prior to the Interest Rate Change Date (the first of each month) plus a margin. As of November 25, 2020, the one-month LIBOR rate is 0.15%. The initial variable interest rates range between 2.12% - 4.58% (1.86% - 4.32% with auto pay discount), will fluctuate over the term of your loan with changes in the LIBOR rate, and will vary based on your credit history and other factors. Please note, 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.

If you pay via auto pay.

The 0.25% auto pay interest rate reduction applies as long as you enroll in auto pay and authorize the loan servicer to automatically deduct your monthly payments from a valid checking or savings account. If an auto pay payment is rejected by your bank for any reason, you may lose the rate reduction permanently.