NAVI · Form 3 insider filing

Troy Standish filed a Form 3 initial statement of beneficial ownership upon becoming an insider (EVP & COO) of Navient Holdings, Inc., disclosing 256,159.9314 shares of common stock directly held and 16,713.2998 shares held via 401(k), plus 891.8194 phantom stock units. This is a routine insider onboarding filing with no trading activity or material financial impact.

• Troy Standish appointed EVP & Chief Operating Officer of Navient Holdings, Inc.
• Directly holds 256,159.9314 shares of common stock (includes 120,753.302 unvested RSUs/PSUs from predecessor Navient Corporation)
• Holds 16,713.2998 shares indirectly via 401(k) plan
• Holds 891.8194 phantom stock units (economic equivalent of common stock, settled in cash or shares)