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Investor Presentaiton

Assisting Borrowers Through the Crisis. $3.5 Total Private Education Loans in Forbearance 1 ($'s in billions) $24.0 $22.0 $20.0 Total Private Education Loans in Current Repayment 1 ($'s in billions) $3.0 $2.5 $2.0 $1.5 $1.0 Dec-19 Jan-20 Feb-20 Mar-20 Apr-20 May-20 Jun-20 Jul-20 Aug-20 Sep-20 Oct-20 Nov-20 $0.5 Dec-20 $18.0 $16.0 $14.0 $12.0 $10.0 Dec-19 Jan-20 Feb-20 Mar-20 Apr-20 May-20 Jun-20 Jul-20 Aug-20 Sep-20 Oct-20 Nov-20 Dec-20 Implemented an extensive, data driven outreach program to inform and assist customers before they return to repayment Continue to provide immediate payment relief options to borrowers who have been negatively impacted by the COVID-19 emergency 1 As of 12/31/2020 © 2021 Navient Solutions, LLC. All rights reserved. ||| 42
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