NaviRefi Loans offer the opportunity to refinance your student loans at competitive rates based on an applicant’s credit and ... financial profile. NaviRefi Loans are offered by Earnest Operations LLC and serviced by Navient Solutions, LLC. When you apply for a NaviRefi Loan, we look at the whole you. We see you as an individual, not a number. Because we recognize and value your hard work, we're able to offer you a customized solution at a rate that could save you money. This means that you could pay your loans off sooner or lower your monthly payments. Refinance responsibly! Refinancing your loans pays off your previous loans with a new loan. Be sure to understand whether you are giving up any borrower benefits, such federal income-driven repayment plans, that will not be available with your new refinanced loan. We're here to help you understand the ins and outs of student loan refinancing. We can even help you combine multiple federal and/or private student loans into a new loan so you have just one easy to manage monthly payment. Follow us today, to learn more about getting the financial rewards you deserve. When you’re ready to apply for a NaviRefi Loan, we’ll be here. read more