Navient Corporation · NASDAQ:NAVI

Navient — ABS Vegas 2025

10 slides from Navient's conference presentation, February 2025

Slide 2: 4Q 2024 and Full Year 2024 Results
4Q 2024 and Full Year 2024 Results • Originated $363 million of Private Education Loans in 4Q24, a 63% increase “A year ago, we announced three from the year-ago quarter ambitious strategic actions – outsourcing servicing, divesting our - Refinance Loan originations were business processing business
Slide 3: Delivering Value to Shareholders
Delivering Value to Shareholders • Invest in capabilities to grow high-quality • Manage credit and interest rate risk and private education loan originations that help borrowers manage loans generate targeted returns, and explore Maximize the Enhance the value opportunities to deepen relationships •
Slide 4: Private Education Loan ABS Issuance Characteristics
Private Education Loan ABS Issuance Characteristics Private Education Loan ABS Transaction Features Collateral Characteristics • Issue size of $500M+ • Collateralized by loans made to students and parents to fund post-secondary • Senior and subordinate notes education - Refi assets with strong credi
Slide 5: Navient Private Education Refi Trusts
Navient Private Education Refi Trusts As of the respective statistical cutoff dates for each transaction 2021-2024YTD Issuance Program NAV NAV NAV NAV NAV NAV NAV NAV NAV NAV 21-A 21-B 21-C 21-E 21-F 21-G 22-A 22-B 23-A 24-A Bond Amount ($mil) 818 1,007 1,093 1,019 991 1,011 952 715 718 728 Initial
Slide 6: Private Education Loan ABS Transactions
Private Education Loan ABS Transactions NAVSL 2023-A NAVSL 2024-A Pricing Date: April 18, 2023 May 14, 2024 Settlement Date: April 27, 2023 May 22, 2024 Amount: Principal Amount: $718,200,000 Principal Amount: $728,300,000 Collateral: Private Education Refi Loans Private Education Refi Loans Prepaym
Slide 8: Responsibility to Our Customers and Communities
Responsibility to Our Customers and Communities Supporting education and economic opportunity Our education finance solutions help people pursue higher Team engagement, education and successfully manage their finances. development and inclusion • Refinanced more than $23 billion in student loans sin
Slide 9: For More Information
For More Information www.navient.com/investors www.navient.com/abs • Environmental Social Governance (ESG) information - Navient Corporate Social Responsibility report • Student loan asset-backed security (ABS) trust data - Static pool information – detailed portfolio stratifications by trust as of

Navient — ABS Vegas 2025 on 6ix

Navient — ABS Vegas 2025

Slide 1: ABS Vegas 2025 Investor Presentation

Slide 2: 4Q 2024 and Full Year 2024 Results

Slide 3: Delivering Value to Shareholders

Slide 4: Private Education Loan ABS Issuance Characteristics

Slide 5: Navient Private Education Refi Trusts

Slide 6: Private Education Loan ABS Transactions

Slide 7: Appendix

Slide 8: Responsibility to Our Customers and Communities

Slide 9: For More Information

Slide 10: Confidential and proprietary information © 2025 Navient Solutions, LLC. All rights reserved.