NaviRefi Login: How To Manage Your Student Loan Account

NaviRefi is a product offered by the student loan servicer Navient. NaviRefi loans are issued by the online lender Earnest, which is also owned by Navient, and serviced by Navient. Although NaviRefi has a website, the lender does not have an app. However, you can set up online alerts and pay at the NaviRefi login portal.

This page contains general information regarding accessing the NaviRefi Website in order to make your payments. Additionally, it discusses steps you need to take in order to create an online access ( username and password). Keep in mind, though, that like this website, it only gives general information. It is not the law. It is not a regulation. It is not legal advice.

What You Need To Know About NaviRefi

Navient is a servicer for federal and private student loans that was once part of Sallie MaeNavient offers refinanced student loans originated by the online lender Earnest, branded as NaviRefi.

Previously, NaviRefi was available only by invitation to borrowers with loans serviced by Navient. Now, borrowers can apply even if they aren’t existing customers.

Navient considers your earning potential and credit score when approving loans. It also offers multiple options for borrowers who can’t afford payments. If you may need repayment flexibility, are looking for a lender that considers your earning potential and are offered a lower rate than you currently have, NaviRefi could be a good choice for you.

Navient is facing multiple lawsuits alleging that it harmed borrowers throughout the repayment process. The company has challenged the allegations.

NaviRefi Repayment Options

NaviRefi loans are private refinance loans made by a lender to qualified applicants for the purpose of refinancing their student loans. Below are some common options. Please call NaviRefi at 844-381-6621 to see which options are available for you.

1: Standard (Level) Repayment: The standard (or level) plan is the repayment schedule assigned in your promissory note – typically a level monthly payment amount of principal and interest – for the contractual repayment term.

2: Rate Reduction Program: The Rate Reduction Program is an alternative payment program for private student loan borrowers experiencing difficulty but who can afford to pay a reduced amount. The program provides a reduced interest rate for a 6-month period. As a result, the monthly payment amount is also temporarily reduced.

By making reduced payments for a period of time, your total loan cost may be higher compared to a level repayment schedule. That’s because during the program, your principal balance may be paid down at a slower rate compared to a level repayment schedule. Eligibility for the program is dependent upon your financial information. Proof of income may be required. Three (3) qualifying payments may be required prior to enrollment in the program.

3: Term and Rate Modification Program: The Term and Rate Modification program combines an extended repayment term with the Rate Reduction Program.

4: Forbearance: Forbearance temporarily suspends or reduces your monthly payments. Although payments can be postponed, interest will accrue during the forbearance period. Unpaid interest may be capitalized (added to the principal balance), which will increase your total loan cost. See your loan agreement for details relating to capitalization of interest.

Forbearance may require a review of your financial situation and ability to pay, and if approved is typically limited for a specific period of time. For instance, a forbearance may be used on a limited basis to bring an account current or to reduce delinquency. Additionally, you may be required to demonstrate your intent to repay your loan by making one or more payments prior to approval of a forbearance.

Be sure to contact NaviRefi customer support at 844-381-6621 so they can help you select the right program for your situation.

5: Loan Forgiveness and Discharge: NaviRefi work with borrowers and families in the event of disability, loss of life, and certain other circumstances. Please call them at 844-381-6621 if you meet the requirements for potential discharge of private student loans described below:

Total and Permanent Disability Discharge: If you have a total and permanent disability, you may qualify for a total and permanent disability (TPD) discharge. TPD means the inability to work in any occupation due to a condition that began or deteriorated after the date of disbursement of funds and the disability is expected to be permeant. If you receive a TPD discharge, you will no longer be required to repay your loan(s). To apply for TPD, you must complete the TPD application and provide one of the following:

  • A physician’s certification that you are totally and permanently disabled.
  • If you are a veteran, you can submit documentation from the Department of Veterans Affairs showing that you’ve been determined to be unemployable due to a service-connected disability.

6: Postponing Payments: In school, a training program, or the military? If you’re going back to school at least half-time, or you’re receiving training through an internship, residency, or fellowship program, you may be eligible to defer — that is, postpone — making your NaviRefi loan payments for a period of time.

Keep in mind that postponing payments usually costs more as unpaid interest may be capitalized (added to the principal balance) at the end of the deferment period. See your loan agreement for details relating to capitalization of interest. If you’re in the military, there are also deferment or forbearance options that may be available to you. Please call NaviRefi at 844-381-6621 so they can help you request the right program for your situation.

How To Registers For Online Access To Your NaviRefi Student Loan Account

If you’re a NaviRefi borrower, you can sign up for online access to your account. It’s a fast and easy way to pay your bill, view your current balance and so much more. Once you’ve completed your online account registration, you can:

  • Make online payments
  • Set up automatic, recurring loan payments free of charge
  • Review your loan statements and payment history
  • View and download PDF files of your monthly statements
  • Cancel your mailed statements and switch to eStatements
  • Schedule Account Alert emails
How To Registers For Online Access To Your NaviRefi Student Loan Account

To register for online access, go to

NaviRefi need information to connect you to your account in our systems – such as your Social Security Number or your account number, if you prefer.

Security is very important on NaviRefi website uses secure technology to encrypt your personal information such as User IDs, Passwords, and account data over the Internet.

To successfully use the NaviRefi website, you’ll need cookies and JavaScript enabled. Make sure you pick a User ID and Password that are both strong and memorable.

Your User ID must be between 6 to 62 characters – and please make sure it’s unique , like your email address.

Your Password must be 8 to 32 characters, and must contain 1 letter and 1 number. For a strong Password, use a combination of uppercase characters, lowercase characters, numbers, and special symbols – except for & < > ( ) { }.

We encourage you to sign up for emails for your NaviRefi Loan – it’s the faster and easier way to get the information you need to successfully manage your loans.

NaviRefi Login Steps

To manage your account, make a payment, and view details on your student loan account, you need to be logged into the NaviRefi Login portal. Those who doesn’t have an online account have to register first by following the steps above. However, if you have already registered for online account, to login follow the steps below.

NaviRefi Login: How To Manage Your Student Loan Account
  1. Go to the NaviRefi login page @
  2. In Sign-in Username, type the username that you selected when you signed up for online access to your NaviRefi account. Note: Your your e-mail address maybe your username.
  3. In Password, type your password.
  4. Click Log In

For your security, after five failed login attempts, your account will be locked. To prevent this, we suggest using Forgot User ID or Forgot Password to update your login information after your third failed attempt. If you get locked out, wait ten minutes and your account will automatically be unlocked.

How To Make Your NaviRefi Student Loan Payment

Your first payment will be due 25-60 days after the Disbursement Date. You’ll be sent a welcome letter soon after the Disbursement Date. Upon receipt, you’ll be able to “Register Now” for a new online NaviRefi account, sign in, and provide or update, if needed, your banking information.

1: Online Payments: Begin by selecting “Log In.” If you are a new user, select “Register Now” and complete the fields requested to create your NaviRefi customer account profile.

Make an Individual Payment

  • Sign into your profile and select “Make a Payment.”
  • Complete the payment amount and date along with your bank account and routing number.
  • You can save this information for future payments.

Enroll in Auto Pay

  • Select the plus symbol within “Details.”
  • Ensure your bank account is listed or “Add Bank.”
  • Select “Enroll in Auto Pay” and select “Submit” after you have read, understood, and agreed to the Auto Pay Authorization.

2: NaviRefi Payment by Mail:

P.O. Box 9115
Wilkes-Barre, PA 18773-9115

Mailing Address
P.O. Box 8000
Fishers, IN 46038-8000

Note: when you send a correspondence, please provide your account number and sufficient detail so that they can address your inquiry.

Resources are available to assist borrowers who have tried unsuccessfully to resolve a problem through their servicer. Please refer to your state’s relevant authority.

You can make payments over the phone using a debit card issued by a U.S. bank. Debit card payments can’t be made online at this time. NaviRefi do not accept credit card payments.

When payments are received, they’re typically applied first to any unpaid fees, then to unpaid interest, and then to unpaid principal. Your payment may be allocated and applied depending on the type of loan you have, the status of your loan, and if you have more than one loan that is combined into one loan group.

How To Contact NaviRefi’s Customer Service

If you need help, the NaviRefi call center is available at 844-381-6621 in the United States or 317-598-4024 if you’re living abroad. Call 8 a.m. to 9 p.m. Eastern time Monday through Thursday or 8 a.m. to 8 p.m. Eastern time Friday.

Alternatively, you can log into your online account, navigate to the Help & Questions page, and send a secure email.

Correspondence can also be sent by mail to: NaviRefi, P.O. Box 8000, Fishers, IN 46038-8000. Provide your account number and sufficient detail for the lender to address your inquiry.

If you are unable to resolve a problem through your servicer, NaviRefi encourages you to “refer to your state’s relevant authority.”


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