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Why can't Earnest refinance my Sallie Mae loans?

In November 2017, Earnest was acquired by Navient as an independent subsidiary. Navient currently has a non-compete agreement in place with Sallie Mae Bank. Due to this agreement, we are prohibited from refinancing any Sallie Mae Bank loans.
 
If you have loans at both Sallie Mae and another lender, the non-Sallie Mae loans may still be eligible for refinancing. If you apply and are approved, your loan offer would be to refinance your non-Sallie Mae loans that meet our normal eligibility criteria.
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