2Q 2026 Earnings Call Presentation Confidential and proprietary information © 2026 Navient Solutions, LLC. All rights reserved. 1 Key Messages: 2Q 2026 Robust growth in high-quality refinance originations and continued momentum in in-school lending Cost reduction and disciplined capital management supporting increased growth Designated $528 million legacy assets from Private Loan portfolio as held for sale Elected fair value option for in-school originations beginning 3Q26 Confidential and proprietary infor ...