Submit a request

What is the NaviRefi and Earnest Relationship? | General Questions

Earnest was founded in 2013, becoming a part of the Navient family in 2017. Earnest, a Navient subsidiary, and the lender on your refinance loan, helped originate your NaviRefi loan. This Earnest-Navient collaboration gives clients access to a broader range of financial services within the Navient family and provides clients with a best-in-class experience for managing their student loans.

Frequently Asked Questions 

Is Earnest the new servicer for NaviRefi loans?

As of October 22, 2023, Earnest began supporting NaviRefi clients with payment processing, managing account details, and answering questions with Navient’s support.

Why is Earnest now my loan servicer?

When you first signed for your NaviRefi loan, your loan disclosures explained that Earnest Operations, LLC – a Navient subsidiary – was the lender and originated the loan. Given our continued partnership and commitment to providing you with the best-in-class experience, Earnest is now servicing your NaviRefi loans with Navient’s support.

What is changing?

There will be no impact on the terms, conditions, or benefits associated with a NaviRefi loan. Clients will still call the same number for assistance, retain the same account number, and send payments to the same address (only the payee will be Earnest, as reflected in the monthly billing statement). Clients enrolled in Auto Pay do not have to take any action.

Was my NaviRefi loan sold?

We apologize for any confusion we may have caused during this process. Your loans were not sold, and we continue to actively collaborate with our Navient family to improve the way you manage your loan. Earnest, a Navient subsidiary and the lender of your refinance loan helped originate your NaviRefi loan, and we all remain committed to helping make this transition as smooth as possible.

If I have a NaviRefi Loan, do I need to create a new online account?

Yes, you will need to create a new online servicing account. We understand that change can be difficult, but we believe this new website provides enhanced functionality for all our customers. If you don’t know your Account Number, please go through to create your account. From there, you can use the self-serve Account Number retrieval tool. Just enter a few pieces of information – so we know it’s you – and we’ll find it for you!  

To create your new online servicing account through, please follow these steps:

  • Navigate to, and click ‘Log in.’ 
  • Select “Create an Earnest Account” and enter the last 4 of your SSN and your Account Number.
  • Click ‘Confirm’ once you are done to save your changes.

To create your new account through, please follow these steps:

  • Navigate to and click on Sign In.
  • Select the link within ‘Coming from NaviRefi to activate your Earnest account? You can do so here.’
  • Enter the last 4 of your SSN and your Account number.
  • Click ‘Confirm’ once you are done to save your changes.

Who should I contact if I need support?

If you have a NaviRefi loan, you will still call the same number you do today and even talk to the same team. This team is now answering the phone as Earnest. The number to call is 844-381-6621. The team can be reached from 5 A.M. to 5 P.M. PT, Monday through Friday.

If you have other loans with Earnest, you can reach our team by clicking the ‘Get In Touch’ button at the bottom of this article. 


Was this article helpful?
0 out of 0 found this helpful
Have more questions? Submit a request