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Investor Presentaiton

Optimized Capital Structure Long-Term Conservative Funding Approach . Important to maintain our credit ratings which support ongoing access to the unsecured debt markets We pursue opportunities to repurchase debt in the open market Managing Unsecured Debt Maturities (par value, $ in billions) Well positioned to capitalize on improving new issuance markets $5.1 $5.4 $4.0 $2.4 $2.6 85% of our Education loan portfolio is funded to term - Q4 2020 issuance of $1.6 billion of Private Education Loan ABS compared to $1.2 billion in Q4 2019 Returned $523 million to shareholders through dividends and share repurchases in 2020 © 2021 Navient Solutions, LLC. All rights reserved. $8.5 $8.9 $7.6 $7.1 $5.9 12/31/18 12/31/16 12/31/17 ■Maturities within 5 years 12/31/19 12/31/20 ■Maturities beyond 5 years ||| 16
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