Confidential and proprietary information © 2023 Navient Solutions, LLC. All rights reserved. 1 2 Federal Education Loans Business Processing Solutions Federally guaranteed loans • Seasoned Private Education Loan Portfolio Strategic Imperatives Continuously simplify the business and increase efficiency Enhance the value of our growth businesses • Continuously strengthening our control environment Federal Education Loans – Overview • FFELP portfolio of $41 billion 5-Year Projected Annual FFELP Cash Flows 1 - ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 10-Q (Mark One) ☑ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2023 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 001-36228 Navient Corporation (Exact name of registrant as specified in its charter) Delaware 46-4054283 (State or other jurisdictio ...

Navient Corporation (NASDAQ:NAVI) Q2 2023 Earnings Conference Call July 26, 2023 8:00 AM ET Company Participants Jen Earyes - VP, IR Dave Yowan - CEO Joe Fisher - CFO Conference Call Participants Bill Ryan - Seaport Research Partners Jeff Adelson - Morgan Stanley Rick Shane - JPMorgan Sanjay Sakhrani - KBW Giuliano Bologna - Compass Point Operator Good day. And thank you for standing by. Welcome to the Navient Second Quarter 2023 Earnings Call. At this time, all participants are in listen-only mode. After ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 10-Q (Mark One) ☑ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2023 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 001-36228 Navient Corporation (Exact name of registrant as specified in its charter) Delaware 46-4054283 (State or other jurisdicti ...

Shared services are related to the management of the entire company or shared by multiple reporting segments Notes on Non-GAAP Financial Measures (Dollars in Millions) Confidential and proprietary information © 2023 Navient Solutions, LLC. All rights reserved. 16 5. Earnings before Interest, Taxes, Depreciation and Amortization Expense ("EBITDA") – This metric measures the operating performance of the Business Processing segment and is used by management and our equity investors to monitor operating perform ...

Navient Corporation (NASDAQ:NAVI) Q1 2023 Earnings Conference Call April 26, 2023 8:00 AM ET Company Participants Jen Earyes - Head of Investor Relations Jack Remondi - President and Chief Executive Officer Joe Fisher - Executive Vice President and Chief Financial Officer Conference Call Participants Mark DeVries - Barclays John Hecht - Jefferies Arren Cyganovich - Citi Moshe Orenbuch - Credit Suisse Bill Ryan - Seaport Research Partners Giuliano Bologna - Compass Point Jeff Adelson - Morgan Stanley Rick S ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 10-K (Mark One) ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2022 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 or 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-36228 Navient Corporation (Exact Name of Registrant as Specified in Its Charter) Delaware 46-4054283 (State or Other Jurisdiction of ...

Navient Corporation (NASDAQ:NAVI) Q4 2022 Earnings Conference Call January 25, 2023 8:00 AM ET Company Participants Jennifer Earyes - Head of Investor Relations Jack Remondi - President and Chief Executive Officer Joe Fisher - Executive Vice President and Chief Financial Officer Conference Call Participants William Ryan - Seaport Research Partners Sanjay Sakhrani - Keefe, Bruyette, & Woods, Inc. Mark DeVries - Barclays Bank PLC Moshe Orenbuch - Credit Suisse Richard Shane - JPMorgan Chase & Co. Giuliano And ...

Confidential and proprietary information © 2023 Navient Solutions, LLC. All rights reserved. 3 The company could also be affected by, among other things: Federal Education Loans Segment Selected Financial Information and Ratios January 25, 2023 The following information is current as of December 31, 2022 (unless otherwise noted) and should be read in connection with Navient Corporation's "Navient" Annual Report on Form 10-K for the year end December 31, 2021 (the "2021 Form 10-K"), filed by Navient with the ...

NAVIENT 2022 3rd Quarter Earnings Call Presentation October 26, 2022 Forward-Looking Statements; Non-GAAP Financial Measures The following information is current as of September 30, 2022 (unless otherwise noted) and should be read in connection with Navient Corporation's "Navient" Annual Report on Form 10-K for the year end December 31, 2021 (the "2021 Form 10-K"), filed by Navient with the Securities and Exchange Commission (the "SEC") on February 25, 2022 and subsequent reports filed by Navient with the S ...