Investor Presentaiton

Secured Cash Flow FFELP $ in Millions 2020 2019 2018 2017 Term Securitized Servicing (Cash Paid) Net Cash Flow 1, 2 SA Total FFELP 227 253 830 1,057 $ 969 1,223 $ 288 1,290 1,577 $ $ 314 1,255 1,569 Private Credit Term Securitized Servicing (Cash Paid) EA 3 Net Cash Flow 124 $ 1,307 135 $ 1,065 147 163 907 579 Total Private Credit $ 1,431 $ 1,200 $ 1,054 $ 742 Total FFELP and Private Credit $ 2,488 $ 2,423 $ 2,631 $ 2,311 Average Principal Balances 2020 2019 2018 2017 FFELP Term FFELP Other Secured FFELP Total FFELP 57,346 $ 62,969 $ 69,512 $ 72,768 $ 3,122 60,468 $ 4,141 67,110 $ 3,920 73,432 $ 7,110 79,879 Private Credit Term Private Credit EA 16,405 Other Secured Financings 4,075 Total Private Credit Total FFELP and Private Credit SS $ 20,480 $ $ 80,948 $ 16,795 3,526 20,321 87,431 $ $ 17,729 $ 19,547 3,700 2,406 94,861 21,429 $ $ 21,953 101,832 Note: Totals may not add due to rounding 1 Includes the impact of all floor contracts. 2 The FHLB Facility matured in 2018. 3 Net Cash Flow includes payments made on the revolving credit agreements with Navient Corporation. ©2021 Navient Solutions, LLC. All rights reserved. ||| 21 24

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