 Navient Corporation NASDAQ:NAVI Q1 2022 Earnings Conference Call April 27, 2022 8:00 AM ET Company Participants Nathan Rutledge - Head, IR Jack Remondi - President CEO Joe Fisher - Executive VP CFO Conference Call Participants Mark DeVries - Barclays Moshe Orenbuch - Credit Suisse Bill Ryan - Seaport Research Rick Shane - JP Morgan Giuliano Bologna - Compass Point John Hecht - Jefferies Operator Good day and thank you for standing by. Welcome to the Navients first quarter 2022 earnings call. 