Articles by Monica Milone - Navient Marketplace

Monica Milone

Monica Milone is a Marketing Director at Navient who has worked in the financial services industry for nearly 2 decades. Passionate about helping others plan for their future, she writes on credit transparency, financial health and wellness, and budgeting for college students and grads.

Articles by Monica Milone

Should I Get a Personal Loan? When it is (and isn’t) a Good Idea

Used wisely, a personal loan can help cover gaps in your budget without putting your home or other assets at risk.

Personal Loans

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Protecting Your Privacy

Blog

© 2026 Navient Solutions, LLC. All rights reserved. Navient and the Navient logo are registered service marks of Navient Solutions, LLC. Other logos are trademarks or service marks of their respective owners. Navient Corporation and its subsidiaries, including Navient Solutions, LLC, and Earnest LLC are not sponsored by or agencies of the United States of America.

Licenses: Navient Solutions, LLC - NMLS #212430 - Maine Loan Broker License # 212430, North Dakota Money Broker License MB103173.

Advertiser Disclosure:

Navient may receive compensation when you click on links associated with this Navient Marketplace. Navient is not being compensated for any application, quotation, or the purchase of any financial products.

Personal Loan:

Earnest personal loans are made by Earnest Operations LLC or FinWise Bank, Member FDIC. Earnest Operations LLC - NMLS #1204917, CA CFL license #6054788, 535 Mission St., Suite 1663, San Francisco, CA 94105. Earnest loans are serviced by Earnest Operations LLC (NMLS #1204917). Checking your rate will not affect your credit score. Eligibility is not guaranteed and requires that you meet credit and other conditions.

Loan proceeds may not be used for postsecondary educational expenses, including refinancing federal or private student loans.

Student Loans:

Earnest loans are made by Earnest Operations LLC or FinWise Bank, Member FDIC. Earnest Operations LLC - NMLS #1204917, CA CFL license #6054788, 535 Mission St., Suite 1663, San Francisco, CA 94105. Earnest loans are serviced by Earnest Operations LLC (NMLS #1204917) with support from Higher Education Loan Authority of the State of Missouri (MOHELA) (NMLS# 1442770).

NaviRefi:

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. NaviRefi loans are serviced by Earnest Operations, LLC (NMLS #1204917) with support from Higher Education Loan Authority of the State of Missouri (MOHELA) (NMLS# 1442770). NaviRefi and NaviRefi logos are registered service marks of Navient Solutions, LLC.

Home and Auto Insurance:

Navient customers are invited to explore home and auto insurance offers through Savvy, a licensed insurance producer who instantly shops dozens of insurance companies to find you the best options. All insurance information is provided from, and underwriting is provided by, Savvy and its licensed insurance partners. Navient is not an insurer or insurance producer. 

Banking and Savings:

Navient customers are invited to consider savings account offers through our partner MoneyLion. Navient has not shared your information with MoneyLion. Savings account offers are made by participants in MoneyLion’s savings platform. MoneyLion is the technology platform powering financial services online.

Auto Refinance Loans:

Navient customers are invited to consider auto loan refinance offers through our partner MoneyLion. Navient has not shared your information with MoneyLion. Auto loan refinance offers are made by participants in MoneyLion’s lending platform. MoneyLion is the technology platform powering financial services online. Checking your rate will not affect your credit score.