Navient Corporation (NAVI) Q2 2026 Earnings Call

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WEBVTT 00:00:00.031 -- 00:00:03.672 Please stand by, your meeting is about to begin. 00:00:08.837 -- 00:00:14.700 Good day and welcome to the Navient second quarter 2026 earnings conference call. 00:00:14.700 -- 00:00:17.242 This call is being recorded. 00:00:17.242 -- 00:00:20.444 Currently all participants are in a listen only mode. 00:00:20.444 -- 00:00:24.307 Following the remarks, we will conduct a question and answer session. 00:00:24.307 -- 00:00:29.050 Instructions will be given at that time. If anyone should require assistance during the 00:00:29.050 -- 00:00:35.166 call, Please press the star key followed by zero on your telephone keypad. 00:00:35.166 -- 00:00:40.169 At this time, I will turn the call over to Roger Yancoup, Navient's Treasurer and 00:00:40.169 -- 00:00:42.210 Head of Investor Relations. Please go ahead. 00:00:42.210 -- 00:00:44.210 Roger 00:00:44.231 -- 00:00:48.213 Yancoup Hello. Good afternoon and welcome to Navient's earnings call for the second quarter 00:00:48.213 -- 00:00:49.914 of 2026. 00:00:49.914 -- 00:00:54.696 Joining me today are Ed Bramson, Navient's Chief Executive Officer and Chair of the Board, 00:00:54.696 -- 00:00:57.768 and Steve Hauber, Navient's Chief Financial Officer. 00:00:57.768 -- 00:01:02.192 After Ed and Steve's prepared remarks, we will open up the call for questions. 00:01:02.192 -- 00:01:06.716 Today's discussion is accompanied by a presentation, which you can find on Navient.com 00:01:06.716 -- 00:01:08.457 slash investors. 00:01:08.457 -- 00:01:13.582 Before we begin, keep in mind our discussion will contain predictions, expectations, 00:01:13.582 -- 00:01:17.325 forward-looking statements, and other information about our business that is based on 00:01:17.325 -- 00:01:18.746 management's 00:01:18.746 -- 00...