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<!-- Round: 10 -->
<!-- Creation date: 2016-07-25T14:05:39Z -->
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  <element name="SeasoningBasedOnMonthlyScheduledPaymentsDueFromTwentyFiveToThirtySixPaymentsInPercent" id="navi_SeasoningBasedOnMonthlyScheduledPaymentsDueFromTwentyFiveToThirtySixPaymentsInPercent" type="num:percentItemType" abstract="false" xbrli:periodType="instant" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="SecuritiesFairValueOnBalanceSheetSecuritizationDerivatives" id="navi_SecuritiesFairValueOnBalanceSheetSecuritizationDerivatives" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="SegmentResultsAndReconciliationsToGaapTableTextBlock" id="navi_SegmentResultsAndReconciliationsToGaapTableTextBlock" type="nonnum:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="SeniorUnsecuredDebtMember" id="navi_SeniorUnsecuredDebtMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="SharesPaidForTaxWithholdingForShareBasedCompensationAverageCostPerShare" id="navi_SharesPaidForTaxWithholdingForShareBasedCompensationAverageCostPerShare" type="num:perShareItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="SignificantInputsAxis" id="navi_SignificantInputsAxis" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:dimensionItem"/>
  <element name="SignificantInputsDomain" id="navi_SignificantInputsDomain" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="SLMBankMember" id="navi_SLMBankMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="SpinOffTransactionSeparationDistributionAgreementDate" id="navi_SpinOffTransactionSeparationDistributionAgreementDate" type="xbrli:dateItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="SummaryOfCoreEarningsAdjustmentsToGaapAbstract" id="navi_SummaryOfCoreEarningsAdjustmentsToGaapAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="SummaryOfCoreEarningsAdjustmentsToGaapTableTextBlock" id="navi_SummaryOfCoreEarningsAdjustmentsToGaapTableTextBlock" type="nonnum:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="TraditionalLoans" id="navi_TraditionalLoans" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="TraditionalLoansInPercent" id="navi_TraditionalLoansInPercent" type="num:percentItemType" abstract="false" xbrli:periodType="instant" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="TroubledDebtRestructuringLoansMember" id="navi_TroubledDebtRestructuringLoansMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="UnrealizedGainLossOnDerivativesNet" id="navi_UnrealizedGainLossOnDerivativesNet" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="UnrealizedGainLossOnHedgedItemNet" id="navi_UnrealizedGainLossOnHedgedItemNet" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="UnrealizedGainsOrLossesOnDerivativeAndHedgingActivities" id="navi_UnrealizedGainsOrLossesOnDerivativeAndHedgingActivities" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="XtendHealthcareMember" id="navi_XtendHealthcareMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
</schema>
