NaviRefi Disclosures

Interest Rate Disclosure

You can choose between fixed and variable rates. Fixed interest rates are 3.99% – 8.74% APR (with Auto Pay discount). Starting variable interest rates are 4.46% APR to 9.21% 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. 

Auto-Pay Disclosure

You can take advantage of the 0.25% Auto Pay interest rate reduction by setting up and maintaining active and automatic ACH withdrawal of your loan payment. The interest rate reduction for Auto Pay will be available only while your loan is enrolled in Auto Pay. Interest rate incentives for utilizing Auto Pay may not be combined with certain private student loan repayment programs that also offer an interest rate reduction.

No Fees Disclosure

We do not charge fees for origination, late payments, or prepayments. Florida Stamp Tax: For Florida residents, Florida documentary stamp tax is required by law, calculated as $0.35 for each $100 (or portion thereof) of the principal loan amount, the amount of which is provided in the Final Disclosure. Lender will add the stamp tax to the principal loan amount. The full amount will be paid directly to the Florida Department of Revenue. Certificate of Registration No. 78-8016373916-1.

Lender Identification

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. California residents only: Loans made or arranged pursuant to California Finance Lenders Law license. 535 Mission St., Suite 1663, San Francisco, CA 94105. California Financing Law License 6054788. Visit for a full list of licensed states.

Navient Solutions, LLC - NMLS #212430 - 123 Justison St., Wilmington, DE 19801 - California Finance Lender (Broker) License 60DBO-107005, Maine Loan Broker License # 212430, North Dakota Money Broker License MB1

Mentor receives compensation from Navient on a per-funded loan basis.

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