Investor Presentaiton

Asset Generation Drives Meaningful Returns Loan Originations ✓ Our competitive franchise, with its highly attractive return profile, leverages our core expertise to drive profits and growth Since 2014 Separation 1 Originated $12+ billion of Education Refi Loans Loan Portfolios and Corporate acquisitions Accretive, high-return portfolio acquisitions, and capital-lite fee Acquired $42 billion of Education Loans businesses generate organic income Paid $1.2 billion Dividends Consistent quarterly distributions since separation in dividends Share Repurchase ✓ Since separation, repurchased nearly 60% of outstanding shares, with $600 million of repurchase authority remaining Repurchased $3.6 billion of Navient shares Reduce Unsecured Debt Optimizing capital structure and return profile, ensuring ongoing access to unsecured debt markets Total Payout Ratio of Nearly 120% Since Separation All data as of 12/31/2020; Payout ratio shown on the basis of Adjusted Core Earnings, a non-GAAP financial measure. 1 Separation values are as reported 6/30/2014. 2021 Navient Solutions, LLC. All rights reserved. Reduced unsecured debt by $8.8 billion III 10 10

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