Navient

{{update|section|date=December 2021}}

Navient was chartered in 1972 as a Government-Sponsored Enterprise (GSE) called Student Loan Marketing Association (nicknamed Sallie Mae).{{Cite book |last1=Watkins |first1=Zina L. |title=Congressional Liaison Offices |last2=Berry |first2=Carla |date=2008 |publisher=Nova Science Publishers |isbn=978-1-60456-872-1 |pages=44 |language=en}}{{Cite book |title=Code of Federal Regulations, Title 31, Money and Finance: Treasury, Pt. 200-499, Revised As of July 1 2012 |publisher=Government Printing Office |year=2012 |isbn=978-0-16-091163-7 |location=Washington, D.C. |pages=368 |language=en}} The company was created by Congress to support the student loan program established by the Higher Education Act of 1965.{{Cite book |title=Code of Federal Regulations |publisher=U.S. General Services Administration |year=2000 |location=Washington, D.C. |pages=336 |language=en}} It was created mainly for two reasons: 1) to purchase student loans in the secondary market; and, 2) to securitize pools of student loans.{{Cite book |last=Fabozzi |first=Frank J. |title=Fixed Income Securities |publisher=John Wiley & Sons |year=2002 |isbn=0-471-21830-8 |location=New York, NY |pages=312 |language=en}} The objective is to create liquidity for these loans to increase their value to lenders, reducing the costs to borrowers in the process.{{Cite book |last=Levitin |first=Adam J. |title=Consumer Finance Law: Markets and Regulation |publisher=Aspen Publishing |year=2018 |isbn=978-1-4548-6906-1 |location=Frederick, MD |pages=659 |language=en}}

Sallie Mae's privatization began in 1997. In 2004, Sallie Mae's GSE charter dissolved and it became a private-sector company with an independent board.{{cite web|title=Lessons Learned From The Privatization of Sallie Mae|url=https://www.treasury.gov/about/organizational-structure/offices/Documents/SallieMaePrivatizationReport.pdf|publisher=U.S. Department of Treasury}}

The U.S. Department of Education selected Sallie Mae in 2009 to service federal loans on its behalf.{{cite web|last1=Babyak|first1=Stephanie|last2=Glickman|first2=Jane|title=U.S. Department of Education Expands Its Student Loan Servicing Capacity|url=http://www2.ed.gov/news/pressreleases/2009/06/06172009b.html|website=ed.gov|publisher=U.S. Department of Education|date=June 17, 2009|access-date=2009-06-17}}

In 2010, Congress passed the Health Care and Education Reconciliation Act of 2010, which eliminated the federally guaranteed loan program known as Federal Family Education Loan Program (FFELP), under which banks and companies like Sallie Mae made loans to college students backed by a federal guarantee. As a result, effective July 1, 2010, all federal loans were originated directly by the U.S. Department of Education. Currently, there is no existing government-sponsored entities that provide securitization of student loans.

The company announced in 2013 its plans to separate into two publicly traded companies{{cite news|last1=Weise|first1=Karen|title=Why Sallie Mae Is Splitting in Two|url=https://www.bloomberg.com/news/articles/2013-05-29/why-sallie-mae-is-splitting-in-two|publisher=Bloomberg|date=2013-05-29}} – an education loan management business to be launched with a new name – Navient – and a consumer banking business, which retained the name Sallie Mae.{{Cite web|url=https://www.insidehighered.com/quicktakes/2014/02/26/sallie-mae-splits-two-names-new-loan-servicing-unit-navient|title=Sallie Mae Splits In Two, Names New Loan Servicing Unit 'Navient'|first=Michael|last=Stratford|date=February 26, 2014|website=www.insidehighered.com|publisher=Inside Higher Education|language=en|access-date=March 25, 2019}} The spin-off was completed on April 30, 2014.

In 2015, Navient attracted recognition from 2020 Women on Boards,{{cite web|title=Boardroom Gender Diversity Directory|url=https://www.2020wob.com/company-directory?order=field_company_no_women_value&sort=desc&company=&city=&women_on_board=§or=All&state=All&rating=|archive-url=https://web.archive.org/web/20170510072512/https://www.2020wob.com/company-directory?order=field_company_no_women_value&sort=desc&company=&city=&women_on_board=§or=All&state=All&rating=|url-status=dead|archive-date=2017-05-10|publisher=2020 Women on Boards}} the Women's Forum of New York, and the New York Stock Exchange Governance Services for gender diversity on its board of directors.{{Cite web|url=https://www.delawareonline.com/story/delawareinc/2015/06/23/navient-nyse-award-board-diversity/29182911/|title=Navient earns award for diverse governing board|last=Goss|first=Scott|date=June 23, 2015|website=delawareonline|publisher=The News Journal|language=en|access-date=March 25, 2019}}

The company acquired asset recovery and business process outsourcing firm, Gila LLC,{{Cite web|url=https://www.nasdaq.com/article/navient-buys-gila-boosts-asset-recovery-services-analyst-blog-cm449697|title=Navient Buys Gila, Boosts Asset Recovery Services - Analyst Blog|date=March 1, 2015|website=NASDAQ.com|publisher=Zacks' Equity Research|language=en-us|access-date=March 25, 2019}} and health care payments firm Xtend Healthcare.{{Cite web|url=https://www.beckershospitalreview.com/finance/navient-acquires-xtend-healthcare-relayhealth-process-25b-in-icd-10-claims-more-4-rcm-company-key-notes.html|title=Navient acquires Xtend Healthcare, RelayHealth process $25B in ICD-10 claims & more – 4 RCM company key notes|last=Pallardy|first=Carrie|date=October 22, 2015|website=www.beckershospitalreview.com|access-date=March 25, 2019}}

On September 28, 2021, Navient announced that they planned to cease servicing federal student loans. It initially asked to offload its responsibilities to another federal loan servicer, Maximus Inc.{{Cite news |last=Cowley |first=Stacy |date=2021-09-28 |title=Navient, with six million borrowers, asks to stop servicing federal student loans. |language=en-US |work=The New York Times |url=https://www.nytimes.com/2021/09/28/business/navient-student-loans.html |access-date=2023-02-24 |issn=0362-4331}} In October 2021, the Department of Education approved the plan for Navient to transfer outstanding Department of Education owned federal loans and select personnel to Maximus through a newly formed federal loan servicing unit called Aidvantage.{{Cite web|last=Kantrowitz|first=Mark|date=2021-10-20|title=Maximus To Replace Navient As Student Loan Servicer|url=https://www.forbes.com/sites/markkantrowitz/2021/10/20/maximus-to-replace-navient-as-student-loan-servicer/?sh=78390bef1b95|access-date=2021-10-20|website=Forbes|language=en}}{{Cite web |last=Kretina |first=Kat |date=June 23, 2022 |title=What Is Maximus Aidvantage Student Loan Servicing? – Forbes Advisor |url=https://www.forbes.com/advisor/student-loans/maximus-federal-services-review/ |access-date=2023-02-24 |website=www.forbes.com}}

In 2021, student loan borrowers filed a lawsuit against Navient in order to force the company into bankruptcy.{{cite web |last1=Gillett |first1=M. Tyler |title=Student loan borrowers seek to force Navient into insolvency |url=https://www.jurist.org/news/2021/02/student-loan-borrowers-seek-to-force-navient-into-insolvency/ |website=www.jurist.org |publisher=Jurist|date=February 11, 2021 |access-date=19 July 2021}} In January 2022, a $1.85 billion settlement was announced between student loan borrowers and Navient.{{cite web |title=More than 400,000 student loan borrowers will get debt relief from Navient |url=https://www.cnn.com/2022/01/13/politics/navient-student-loan-settlement/index.html |first=Katie|last=Lobosco|publisher=CNN|date=January 13, 2022 |access-date=13 January 2022}} On October 17, 2022, the student borrowers won an injunction that barred the company from collecting payments for certain loans that were considered discharged in bankruptcy.{{Cite web |title=Navient Loses Student Loan Bankruptcy Battle But Long Fight Looms |url=https://news.bloomberglaw.com/bankruptcy-law/navient-loses-student-loan-bankruptcy-battle-but-long-fight-looms|first=Alex|last=Wolf|date=November 2, 2022 |access-date=2023-02-24 |website=news.bloomberglaw.com |language=en}}

In 2023, a Navient subsidiary Earnest began lending to international students.{{cite web |title=Earnest and Nova Credit Launch International Private Student Loans |url=https://seekingalpha.com/pr/19399552-earnest-and-nova-credit-launch-international-private-student-loans?hasComeFromMpArticle=false |website=seekingalpha.com |date=July 17, 2023|access-date=19 July 2023}}

In May 2024, Navient agreed to outsource its student loan servicing operations to MOHELA.{{Cite news |last=Sheffey |first=Ayelet |date=2024-02-01 |title=2.7 million student-loan borrowers' accounts will be switched to a company that the Education Department previously punished for poor customer service |url=https://www.businessinsider.com/student-loan-borrowers-transferred-navient-to-mohela-poor-customer-service-2024-2 |url-status=live |archive-url=https://web.archive.org/web/20240712135515/https://www.businessinsider.com/student-loan-borrowers-transferred-navient-to-mohela-poor-customer-service-2024-2 |archive-date=2024-07-12 |access-date=2025-05-29 |work=Business Insider}}

In September 2024, Navient was banned from servicing most federal student loans, as well as required to pay $20 million in fines and $100 million in compensation to borrowers, under a proposed settlement with the Consumer Financial Protection Bureau (CFPB).

Navient trades on the Nasdaq stock exchange under the ticker symbol NAVI.{{Cite web|url=https://www.nasdaq.com/symbol/navi/dividend-history|title=Navient Corporation Dividend Date & History|website=NASDAQ.com|language=en-US|access-date=March 25, 2019}} As of 2015, Navient held the largest portfolio of education loans insurance or guaranteed under the Federal Family Education Loan Program, as well as the largest portfolio of Private Education Loans.{{cite web|title=Form 10-K Navient Corporate 2015|url=https://www.navient.com/assets/about/investors/shareholder/annual-reports/NAVI_2015_Form_10-K_2-25-16_Final.pdf|website=Navient.com|publisher=Navient}} Navient funds most of its operation by manufacturing student loan asset-backed securities:{{cite web|date=July 19, 2015|title=SLABS: How to make money off someone else's private student loan|url=https://desertbeacon.wordpress.com/2015/07/19/slabs-how-to-make-money-off-someone-elses-private-student-loan/|website=Desert Beacon|access-date=July 13, 2016}} bundling loans and selling them to investors as financial instruments.{{cite web|title=Stressed Out: Will Navient Cause the Student Debt Bubble to Pop?|first=Carleton|last=English|date=January 29, 2016|url=http://realmoney.thestreet.com/articles/01/29/2016/stressed-out-will-navient-cause-student-debt-bubble-pop|access-date=July 13, 2016}} The SLABS are graded by bond-rating agencies such as Moody's Investor Services and Fitch Ratings.{{cite web|title=Hedge Funds Smell Blood in the Student Debt Market|url=http://www.institutionalinvestor.com/Article.aspx?ArticleId=3498719&p=2#/.V4ajkdKAOko|access-date=July 13, 2016}} The value of SLABS have been reduced as more students choose income-based repayment plans.{{cite web|date=August 19, 2015|title=Moody's: Slowing FFELP repayment rates pose limited risk for Navient and Nelnet|url=https://www.moodys.com/research/Moodys-Slowing-FFELP-repayment-rates-pose-limited-risk-for-Navient--PR_332802|website=moodys.com|access-date=July 13, 2016}}

As of June 2016, a majority of the SLAB tranches continue to be downgraded.{{cite web|date=June 14, 2016|title=Moody's announces rating actions on student loan ABS backed by FFELP student loans following the update of its rating methodology|url=https://www.moodys.com/research/Moodys-announces-rating-actions-on-student-loan-ABS-backed-by--PR_350543|website=moodys.com|access-date=July 13, 2016}}

In 2014, Moody's downgraded Navient's senior unsecured debt and corporate family ratings to Ba3 because of loss of earnings, cash flow, equity, and high leverage.{{cite web|url=https://www.moodys.com/research/Moodys-concludes-review-of-SLM-Corp--PR_297781|title=Moody's concludes review of SLM Corp.|website=moodys.com|date=April 30, 2014|access-date=July 13, 2016}}

Jack Remondi is the former CEO of Navient and has written{{cite news|last1=Remondi|first1=Jack|title=Smarter student loans: A game plan|url=http://www.politico.com/agenda/story/2015/10/smarter-student-loans-a-game-plan-000267|publisher=Politico|date=October 6, 2015|access-date=August 1, 2018}} and spoken about recommendations to improve the student loan program.

In August 2015, the CFPB, which had been investigating the company for nearly two years, sent Navient a letter telling its executives that the agency's enforcement staff had found enough evidence to indicate the company violated consumer protection laws.{{Cite news|url=https://www.huffingtonpost.com/entry/cfpb-considers-suing-student-loan-giant-navient-for-cheating-borrowers_us_55db83dee4b08cd3359cf4d3|title=CFPB Considers Suing Student Loan Giant Navient For Cheating Borrowers|last=Nasiripour|first=Shahien|date=August 25, 2015|work=Huffington Post|access-date=March 25, 2019|language=en-US}}

On May 28, 2015, the United States Department of Justice announced that nearly 78,000 military service members would begin receiving $60 million in compensation for being charged excess interest on their student loans by Navient.{{cite web|url=https://studentaid.ed.gov/sa/about/announcements/sallie-mae-settlement|title=Details of the Sallie Mae SCRA Settlement With the U.S. Department of Justice|date=May 14, 2015|access-date=July 13, 2016}} The company opted for this settlement to resolve the federal government's lawsuit alleging the company's violation of the rights of service members eligible for benefits and protections under the Service Members Civil Relief Act (SCRA).{{Cite web |date=2015-05-28 |title=Nearly 78,000 Service Members to Begin Receiving $60 Million Under Department of Justice Settlement with Navient for Overcharging on Student Loans |url=https://www.justice.gov/opa/pr/nearly-78000-service-members-begin-receiving-60-million-under-department-justice-settlement |access-date=2022-06-01 |website=www.justice.gov |language=en}}

On March 14, 2016, Senator Elizabeth Warren gave a speech in Congress qualifying Navient's service and subsequent contract award by the Department of Education as "an outrageous fiasco".{{citation|url=https://www.youtube.com/watch?v=aS0hNwSLjVg|title=Sen. Elizabeth Warren – Student Loan Servicing Fundamentals|date=2016-03-14}} Warren recommended "a total reform of student loan servicing to make sure that nothing as the Navient disaster ever happens again".{{cite web | title=Student loan forgiveness: Biden promise to forgive $10,000 in debt remains unfulfilled | website=Yahoo |first=Aarthi|last=Swaminathan|date=July 15, 2021|url=https://finance.yahoo.com/news/student-loan-forgiveness-biden-promise-144633725.html | access-date=2021-07-15}}

In June 2016, stockholders filed a class action lawsuit against Navient. The plaintiffs included Chicago police officers and retired city employees in Providence, Rhode Island.{{Cite web|url=https://www.delawareonline.com/story/money/2016/06/30/navient-faces-lawsuit-after-clinton-critique/86521360/|title=Navient faces lawsuit after Clinton critique|first=Karl|last=Baker|website=delawareonline|language=en|date=June 30, 2016|access-date=July 13, 2016}}

On July 5, 2016, Guy Micciche filed a complaint against Navient in U.S. District Court alleging that the debt collector contacted the plaintiff, several times, on his cellular phone using an automated dialing system. In the complaints, the plaintiff alleged that he told Navient to stop calling him, but that the company persisted.{{Cite web|url=https://pennrecord.com/stories/510955424-man-claims-debt-collector-violated-law-with-calls|title=Man claims debt collector violated law with calls|last=Torres|first=Louie|website=pennrecord.com|language=en|date=July 7, 2016|access-date=July 13, 2016}}

On January 18, 2017, the CFPB, along with the Attorneys General of Illinois, Pennsylvania, and Washington, filed a complaint against Navient in the United States District Court for the Middle District of Pennsylvania alleging violations of the Fair Credit Reporting Act and Fair Debt Collection Act.{{cite web|url=http://files.consumerfinance.gov/f/documents/201701_cfpb_Navient-Pioneer-Credit-Recovery-complaint.pdf |title=Case 3:17-cv-00101-RDM Document 1 Filed 01/18/17 |access-date=January 18, 2017}} It alleged that Navient "systematically and illegally [failed] borrowers at every stage of repayment" with "abusive interest charges, hurting disabled military veterans by making inaccurate reports to credit companies about them and making repayments harder than necessary." According to the court filing,

• "Navient has failed to perform its core duties in the servicing of student loans, violating Federal consumer financial laws....
• "Navient systematically deterred numerous borrowers from obtaining access to some or all of the benefits and protections associated with these plans [plans limiting repayment based on income]. Despite assuring borrowers that it would help them find the right repayment option for their circumstances, Navient steered these borrowers experiencing financial hardship that was not short-term or temporary into costly payment relief designed for borrowers experiencing short-term financial problems, before or instead of affordable long-term repayment options that were more beneficial to them in light of their financial situation.
• "For borrowers who did enroll in long-term repayment plans, Navient failed to disclose the annual deadline to renew those plans, misrepresented the consequences of non-renewal, and obscured its renewal notice to borrowers who were due for renewal. As a result, the affordable payment amount expired for hundreds of thousands of borrowers, resulting in an immediate increase in their monthly payment and other financial harm.
• "Navient also misreported information to consumer reporting agencies about thousands of borrowers who were totally and permanently disabled, including veterans whose total and permanent disability was connected to their military service, by making it appear as if those borrowers had defaulted on their student loans when they had not, damaging their credit; misrepresented one of its requirements for borrowers to release their cosigner from their private student loan, thereby denying or delaying access to an important feature on many cosigned private loans that relieves a cosigner of responsibility for the loan once the borrower meets certain eligibility criteria; and repeated the same errors in processing federal and private student loan borrowers’ payments month after month, even after borrowers complained to Navient about those errors."{{cite web

|title=Consumer Financial Protection Bureau, Plaintiff, v. Navient Corporation; Navient Solutions, Inc.; and Pioneer Credit Recovery, Inc., Defendants

|publisher=United States District Court for the Middle District of Pennsylvania

|date=January 18, 2017

|access-date=August 1, 2018

|url=https://files.consumerfinance.gov/f/documents/201701_cfpb_Navient-Pioneer-Credit-Recovery-complaint.pdf}}

The company released a public statement{{cite web|title=Navient rejects CFPB ultimatum to settle by Inauguration Day or be sued|url=http://news.navient.com/releasedetail.cfm?ReleaseID=1008347|website=Navient.com|date=January 18, 2017|access-date=18 January 2017|archive-url=https://web.archive.org/web/20170125174310/http://news.navient.com/releasedetail.cfm?ReleaseID=1008347|archive-date=January 25, 2017|url-status=dead|df=mdy-all}} and fact sheet{{cite web|title=Fact Sheet on Legal Actions|url=http://files.shareholder.com/downloads/AMDA-2L11M2/3349728203x0x924404/1F52FE2B-B107-42F8-9803-ADED83939130/Navient_Fact_Sheet_1-18-17_FINAL.PDF|access-date=18 January 2017}} denying the allegations and calling them politically motivated and harmful to borrowers. The lawsuit was settled in 2024, under a proposed order from the CFPB that barred Navient from servicing federal student loans and that required the company to pay $120 million in fines and compensation to borrowers.

Since at least 2011, up to 2017, "tens of thousands" of complaints were filed against Navient. In 2017, 6,708 federal complaints were filed about the company, in addition to 4,185 private complaints – more than any other student loan lender.

In 2018, it was revealed that Navient had attempted to collect loans from co-signers after a student's accidental death.{{cite news |last=Chalabi |first=Mona |date=2018-08-01 |title=Deceased and still in debt: the student loans that don't get forgiven |url=https://www.theguardian.com/money/datablog/2018/aug/01/deceased-debt-student-loans-sallie-mae-navient |url-status=live |archive-url=https://web.archive.org/web/20230419080425/https://www.theguardian.com/money/datablog/2018/aug/01/deceased-debt-student-loans-sallie-mae-navient |archive-date=2023-04-19 |access-date=2025-05-29 |newspaper=The Guardian}}

Navient was also sued by the American Federation of Teachers (AFT) for allegedly failing to divert teachers into public forgiveness plans.{{Cite web|url=https://www.cnbc.com/2018/10/03/members-of-the-american-federation-of-teachers.html|title=Members of the American Federation of Teachers sue Navient|last=Nova|first=Annie|date=2018-10-03|website=www.cnbc.com|access-date=2019-03-25}}

Former Attorney General of Louisiana Charles C. Foti Jr. and the law firm of Kahn Swick & Foti announced that they had started investigating Navient. The investigation is focusing on whether Navient's officers and/or directors breached their fiduciary duties to Navient's shareholders or otherwise violated state or federal laws.{{Cite web|url=https://seekingalpha.com/pr/17299557-navient-investigation-initiated-former-louisiana-attorney-general-kahn-swick-and-foti-llc|title=NAVIENT INVESTIGATION INITIATED by Former Louisiana Attorney General: Kahn Swick & Foti, LLC Investigates the Officers and Directors of Navient Corporation – NAVI|website=Seeking Alpha|language=en|access-date=2019-03-25}}

In 2019, Navient's lending practices were the subject of an episode of Michael Lewis's "Against the Rules" podcast.{{Cite web|url=https://atrpodcast.com/ep/s1!1c964|title=The Seven Minute Rule - Against the Rules with Michael Lewis|website=atrpodcast.com|access-date=2019-04-09}}

In 2021, it was reported that the US Department of Education had ordered Navient to pay $22.3 million in a decades-old scandal involving Navient's former parent company, Sallie Mae. The company was accused of overcharging the US government.{{Cite news|last=Cowley|first=Stacy|date=2021-02-02|title=Navient, a student loan company, is ordered to repay $22 million to the government.|language=en-US|work=The New York Times|url=https://www.nytimes.com/2021/02/02/business/navient-a-student-loan-company-is-ordered-to-repay-22-million-to-the-government.html|access-date=2021-02-24|issn=0362-4331}} In the same year, the company also faced a class action lawsuit filed in New Jersey by stockholders who alleged they were injured by its scheme of steering borrowers into more lucrative forbearance status rather than pointing them toward income-driven repayment plans.{{Cite web |last=Hayes |first=Peter |date=March 12, 2021 |title=Navient Faces Certified Stockholder Class Over Loan Servicing |url=https://news.bloomberglaw.com/class-action/navient-faces-certified-stockholder-class-over-loan-servicing |access-date=2022-06-01 |website=news.bloomberglaw.com |language=en}}

In 2022, Navient entered into a $1.85 billion settlement over accusations that it had misled borrowers into costly repayment plans and predatory loans. The settlement spanned 39 states and the District of Columbia and included $1.7 billion in loan cancellations and $95 million in payouts.{{cite news|last1=Douglas-Gabriel|first1=Danielle|title=Navient reaches $1.85 billion settlement over student loan practices|newspaper=The Washington Post|date=2022-01-13|url=https://www.washingtonpost.com/education/2022/01/13/navient-settlement-student-loans/|access-date=2022-01-14}} As of January 2022, the settlement is pending court approval.

Student Loan Justice has fought Navient by calling for bankruptcy laws to again include student loan debt.{{cite web|last=Reilly|first=Peter J|title=Interview With Student Loan Activist Alan Collinge On Bankruptcy Protection|website=Forbes |url=https://www.forbes.com/sites/peterjreilly/2015/10/28/interview-with-student-loan-activist-alan-collinge-on-bankruptcy-protection/#6ebd3916438d|date=October 28, 2015|access-date=July 13, 2016}}{{Cite news|last=Glater|first=Jonathan D.|date=August 23, 2008|title=That Student Loan, So Hard to Shake|language=en-US|work=The New York Times|url=https://www.nytimes.com/2008/08/24/business/24loans.html|access-date=July 13, 2016|issn=0362-4331}}

• Duncan Solutions
• Earnest
• Municipal Services Bureau (MSB)
• Navient BPO (Business Process Outsourcing)
• Navient Portfolio Management
• Pioneer Credit Recovery, Inc.
• Xtend Healthcare

{{Portal|Companies}}

• FAFSA
• Federal Student Aid
• FFELP
• Sallie Mae
• U.S. Department of Education
• USA Funds

{{Reflist}}

• {{Official website|http://www.navient.com}}
• [http://navientlogin.website Navient Login]

{{Finance links

| name = Navient Corporation

| symbol = NAVI

| sec_cik = NAVI

| yahoo = NAVI

| google = NAVI

}}

• [https://www.usaspending.gov/recipient/dd5039b6-bffe-5948-cf38-170e3a9f51bb-P Navient Corporation] recipient profile on USAspending.gov
• [https://www.usaspending.gov/award/CONT_IDV_EDFSA09D0015_9100 Contract ED-FSA-09-D-0015] on USAspending.gov
• {{YouTube|id=t0CyBv18A5k|title=Student Loans}} published on Feb 24, 2019 Patriot Act with Hasan Minhaj

{{NASDAQ Financial-100}}

Category:2014 establishments in Delaware

Category:American companies established in 2014

Category:Companies based in Wilmington, Delaware

Category:Companies listed on the Nasdaq

Category:Education finance in the United States

Category:Financial services companies established in 2014

Category:United States federal student loan servicers