Investor Presentaiton

NAVIENT We are the leader in education loan management and business processing solutions for education, healthcare and government clients at the federal, state and local levels We help our clients and millions of Americans achieve financial success through our services and support, leveraging our 45+ years of data, analytics and processing experience and excellence Originations Franchise and Existing Loan Portfolio Generate Significant Cash Flows ✓ Our originations platform with its low-cost to acquire model generates highly accretive loans ✓ Education loan portfolios will generate predictable and stable cash flows over 20+ years Leveraging Our Scalable Technology Platform to Deliver Value ✓ Through our dynamic operating mode, we continue to deliver solutions to a broad universe of customers ✓ Optimized scale and infrastructure leave us well positioned for continued EBITDA growth Disciplined Expense Management & Prudent Capital Allocation ✓ We drive efficiency through continuous expense rationalization throughout the business ✓ Focused on maintaining our dividend and returning excess capital to shareholders Executing on our long-term value-creation strategy and utilizing our core strengths © 2021 Navient Solutions, LLC. All rights reserved. 3

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