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Navient holds 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. Navient funds most of its operation by manufacturing student loan asset-backed securities: bundling loans and selling them to investors as financial instruments. The SLABS are graded by bond-rating agencies such as Moody's Investor Services and Fitch Ratings. The value of SLABS have been reduced as more students choose income-based repayment plans. Īs of June 2016, a majority of the SLAB tranches continue to be downgraded. 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. Lawsuits, investigations, settlements, and controversies Jack Remondi is the CEO of Navient and has written and spoken about recommendations to improve the student loan program. In August 2015, the Consumer Financial Protection Bureau, which has 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. 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. 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). 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'. Warren recommended 'a total reform of student loan servicing to make sure that nothing as the Navient disaster ever happens again'. #First midwest bank personal loan rating review update#.

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