 Navient Corporation NASDAQ:NAVI Q2 2022 Earnings Conference Call July 27, 2022 8:00 AM ET CompanyParticipants Joe Fisher - Executive Vice President Chief Financial Officer Jack Remondi - President Chief Executive Officer Conference Call Participants John Hecht - Jefferies Mark DeVries - Barclays Moshe Orenbuch - Credit Suisse Sanjay Sakhrani - KBW Bill Ryan - Seaport Research Courtney Bahlman - Barclays Operator Good morning, ladies and gentlemen. Thank you for standing by and welcome to Navient Second Quarter 2022 Earnings Conference Call. 