<?xml version="1.0" encoding="US-ASCII"?>
<!-- RR Donnelley Xcelerate Taxonomy Calculation Linkbase, based on XBRL 2.1  http://www.rrdonnelley.com/ -->
<!-- Version: 6.23.6 -->
<!-- Round: 10 -->
<!-- Creation date: 2016-07-25T14:05:39Z -->
<!-- Copyright (c) 2005-2013 R.R. Donnelley &amp; Sons Company All Rights Reserved. -->
<linkbase xmlns="http://www.xbrl.org/2003/linkbase"
  xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"
  xmlns:xlink="http://www.w3.org/1999/xlink"
  xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd">
  <roleRef xlink:type="simple" xlink:href="navi-20160630.xsd#DocumentandEntityInformation" roleURI="http://www.navientcorp.com/taxonomy/role/DocumentandEntityInformation"/>
  <roleRef xlink:type="simple" xlink:href="navi-20160630.xsd#Role_StatementOfFinancialPositionUnclassified-InvestmentBasedOperations" roleURI="http://www.navientcorp.com/taxonomy/role/StatementOfFinancialPositionUnclassified-InvestmentBasedOperations"/>
  <roleRef xlink:type="simple" xlink:href="navi-20160630.xsd#Role_StatementOfFinancialPositionUnclassified-InvestmentBasedOperationsParen" roleURI="http://www.navientcorp.com/taxonomy/role/StatementOfFinancialPositionUnclassified-InvestmentBasedOperationsParenthetical"/>
  <roleRef xlink:type="simple" xlink:href="navi-20160630.xsd#Role_StatementOfIncome" roleURI="http://www.navientcorp.com/taxonomy/role/StatementOfIncome"/>
  <roleRef xlink:type="simple" xlink:href="navi-20160630.xsd#Role_StatementOfOtherComprehensiveIncome" roleURI="http://www.navientcorp.com/taxonomy/role/StatementOfOtherComprehensiveIncome"/>
  <roleRef xlink:type="simple" xlink:href="navi-20160630.xsd#Role_StatementOfShareholdersEquityAndOtherComprehensiveIncome" roleURI="http://www.navientcorp.com/taxonomy/role/StatementOfShareholdersEquityAndOtherComprehensiveIncome"/>
  <roleRef xlink:type="simple" xlink:href="navi-20160630.xsd#Role_StatementOfShareholdersEquityAndOtherComprehensiveIncomeParen" roleURI="http://www.navientcorp.com/taxonomy/role/StatementOfShareholdersEquityAndOtherComprehensiveIncomeParenthetical"/>
  <roleRef xlink:type="simple" xlink:href="navi-20160630.xsd#Role_StatementOfCashFlowsIndirectInvestmentBasedOperations" roleURI="http://www.navientcorp.com/taxonomy/role/StatementOfCashFlowsIndirectInvestmentBasedOperations"/>
  <roleRef xlink:type="simple" xlink:href="navi-20160630.xsd#DisclosureAllowanceForLoanLossesAdditionalInformation" roleURI="http://www.navientcorp.com/taxonomy/role/DisclosureAllowanceForLoanLossesAdditionalInformation"/>
  <roleRef xlink:type="simple" xlink:href="navi-20160630.xsd#DisclosureAllowanceForLoanLossesAllowanceForCreditLossesAndRecordedInvestmentsInLoans" roleURI="http://www.navientcorp.com/taxonomy/role/DisclosureAllowanceForLoanLossesAllowanceForCreditLossesAndRecordedInvestmentsInLoans"/>
  <roleRef xlink:type="simple" xlink:href="navi-20160630.xsd#DisclosureAllowanceForLoanLossesAllowanceForCreditLossesAndRecordedInvestmentsInLoansParenthetical" roleURI="http://www.navientcorp.com/taxonomy/role/DisclosureAllowanceForLoanLossesAllowanceForCreditLossesAndRecordedInvestmentsInLoansParenthetical"/>
  <roleRef xlink:type="simple" xlink:href="navi-20160630.xsd#DisclosureAllowanceForLoanLossesPrivateEducationLoanPortfolioStratifiedByKeyCreditQualityIndicators" roleURI="http://www.navientcorp.com/taxonomy/role/DisclosureAllowanceForLoanLossesPrivateEducationLoanPortfolioStratifiedByKeyCreditQualityIndicators"/>
  <roleRef xlink:type="simple" xlink:href="navi-20160630.xsd#DisclosureAllowanceForLoanLossesAgeAnalysisOfPastDueLoansDelinquencies" roleURI="http://www.navientcorp.com/taxonomy/role/DisclosureAllowanceForLoanLossesAgeAnalysisOfPastDueLoansDelinquencies"/>
  <roleRef xlink:type="simple" xlink:href="navi-20160630.xsd#DisclosureAllowanceForLoanLossesReceivableForPartiallyChargedOffLoans" roleURI="http://www.navientcorp.com/taxonomy/role/DisclosureAllowanceForLoanLossesReceivableForPartiallyChargedOffLoans"/>
  <roleRef xlink:type="simple" xlink:href="navi-20160630.xsd#DisclosureAllowanceForLoanLossesReceivableForPartiallyChargedOffLoansParenthetical" roleURI="http://www.navientcorp.com/taxonomy/role/DisclosureAllowanceForLoanLossesReceivableForPartiallyChargedOffLoansParenthetical"/>
  <roleRef xlink:type="simple" xlink:href="navi-20160630.xsd#DisclosureAllowanceForLoanLossesRecordedInvestmentUnpaidPrincipalBalanceAndRelatedAllowanceForTDRLoans" roleURI="http://www.navientcorp.com/taxonomy/role/DisclosureAllowanceForLoanLossesRecordedInvestmentUnpaidPrincipalBalanceAndRelatedAllowanceForTDRLoans"/>
  <roleRef xlink:type="simple" xlink:href="navi-20160630.xsd#DisclosureAllowanceForLoanLossesAverageRecordedInvestmentAndInterestIncomeRecognizedForTDR" roleURI="http://www.navientcorp.com/taxonomy/role/DisclosureAllowanceForLoanLossesAverageRecordedInvestmentAndInterestIncomeRecognizedForTDR"/>
  <roleRef xlink:type="simple" xlink:href="navi-20160630.xsd#DisclosureAllowanceForLoanLossesLoansModifiedAccountsForTDR" roleURI="http://www.navientcorp.com/taxonomy/role/DisclosureAllowanceForLoanLossesLoansModifiedAccountsForTDR"/>
  <roleRef xlink:type="simple" xlink:href="navi-20160630.xsd#DisclosureAllowanceForLoanLossesAccruedInterestReceivable" roleURI="http://www.navientcorp.com/taxonomy/role/DisclosureAllowanceForLoanLossesAccruedInterestReceivable"/>
  <roleRef xlink:type="simple" xlink:href="navi-20160630.xsd#DisclosureBorrowingsCompanysBorrowings" roleURI="http://www.navientcorp.com/taxonomy/role/DisclosureBorrowingsCompanysBorrowings"/>
  <roleRef xlink:type="simple" xlink:href="navi-20160630.xsd#DisclosureBorrowingsCompanysBorrowingsParenthetical" roleURI="http://www.navientcorp.com/taxonomy/role/DisclosureBorrowingsCompanysBorrowingsParenthetical"/>
  <roleRef xlink:type="simple" xlink:href="navi-20160630.xsd#DisclosureBorrowingsFinancingVIEs" roleURI="http://www.navientcorp.com/taxonomy/role/DisclosureBorrowingsFinancingVIEs"/>
  <roleRef xlink:type="simple" xlink:href="navi-20160630.xsd#DisclosureBorrowingsFinancingVIEsParenthetical" roleURI="http://www.navientcorp.com/taxonomy/role/DisclosureBorrowingsFinancingVIEsParenthetical"/>
  <roleRef xlink:type="simple" xlink:href="navi-20160630.xsd#DisclosureDerivativeFinancialInstrumentsImpactOfDerivativesOnConsolidatedBalanceSheet" roleURI="http://www.navientcorp.com/taxonomy/role/DisclosureDerivativeFinancialInstrumentsImpactOfDerivativesOnConsolidatedBalanceSheet"/>
  <roleRef xlink:type="simple" xlink:href="navi-20160630.xsd#DisclosureDerivativeFinancialInstrumentsGrossPositionsWithoutImpactOfMasterNettingAgreements" roleURI="http://www.navientcorp.com/taxonomy/role/DisclosureDerivativeFinancialInstrumentsGrossPositionsWithoutImpactOfMasterNettingAgreements"/>
  <roleRef xlink:type="simple" xlink:href="navi-20160630.xsd#DisclosureDerivativeFinancialInstrumentsAdditionalInformation" roleURI="http://www.navientcorp.com/taxonomy/role/DisclosureDerivativeFinancialInstrumentsAdditionalInformation"/>
  <roleRef xlink:type="simple" xlink:href="navi-20160630.xsd#DisclosureDerivativeFinancialInstrumentsDerivativeNotionalValues" roleURI="http://www.navientcorp.com/taxonomy/role/DisclosureDerivativeFinancialInstrumentsDerivativeNotionalValues"/>
  <roleRef xlink:type="simple" xlink:href="navi-20160630.xsd#DisclosureDerivativeFinancialInstrumentsImpactOfDerivativesOnConsolidatedStatementsOfIncome" roleURI="http://www.navientcorp.com/taxonomy/role/DisclosureDerivativeFinancialInstrumentsImpactOfDerivativesOnConsolidatedStatementsOfIncome"/>
  <roleRef xlink:type="simple" xlink:href="navi-20160630.xsd#DisclosureDerivativeFinancialInstrumentsCollateralHeldAndPledged" roleURI="http://www.navientcorp.com/taxonomy/role/DisclosureDerivativeFinancialInstrumentsCollateralHeldAndPledged"/>
  <roleRef xlink:type="simple" xlink:href="navi-20160630.xsd#DisclosureDerivativeFinancialInstrumentsCollateralHeldAndPledgedParenthetical" roleURI="http://www.navientcorp.com/taxonomy/role/DisclosureDerivativeFinancialInstrumentsCollateralHeldAndPledgedParenthetical"/>
  <roleRef xlink:type="simple" xlink:href="navi-20160630.xsd#DisclosureOtherAssetsScheduleOfOtherAssets" roleURI="http://www.navientcorp.com/taxonomy/role/DisclosureOtherAssetsScheduleOfOtherAssets"/>
  <roleRef xlink:type="simple" xlink:href="navi-20160630.xsd#DisclosureBusinessCombinationsAcquisitionOfGilaLLCAndXtendHealthcareAdditionalInformation" roleURI="http://www.navientcorp.com/taxonomy/role/DisclosureBusinessCombinationsAcquisitionOfGilaLLCAndXtendHealthcareAdditionalInformation"/>
  <roleRef xlink:type="simple" xlink:href="navi-20160630.xsd#DisclosureStockholdersEquityCommonShareRepurchasesAndIssuances" roleURI="http://www.navientcorp.com/taxonomy/role/DisclosureStockholdersEquityCommonShareRepurchasesAndIssuances"/>
  <roleRef xlink:type="simple" xlink:href="navi-20160630.xsd#DisclosureStockholdersEquityAdditionalInformation" roleURI="http://www.navientcorp.com/taxonomy/role/DisclosureStockholdersEquityAdditionalInformation"/>
  <roleRef xlink:type="simple" xlink:href="navi-20160630.xsd#DisclosureEarningsPerCommonShareScheduleOfEarningsPerCommonShare" roleURI="http://www.navientcorp.com/taxonomy/role/DisclosureEarningsPerCommonShareScheduleOfEarningsPerCommonShare"/>
  <roleRef xlink:type="simple" xlink:href="navi-20160630.xsd#DisclosureEarningsPerCommonShareScheduleOfEarningsPerCommonShareParenthetical" roleURI="http://www.navientcorp.com/taxonomy/role/DisclosureEarningsPerCommonShareScheduleOfEarningsPerCommonShareParenthetical"/>
  <roleRef xlink:type="simple" xlink:href="navi-20160630.xsd#DisclosureFairValueMeasurementsValuationOfFinancialInstrumentsThatAreMarkedtoMarketOnRecurringBasis" roleURI="http://www.navientcorp.com/taxonomy/role/DisclosureFairValueMeasurementsValuationOfFinancialInstrumentsThatAreMarkedtoMarketOnRecurringBasis"/>
  <roleRef xlink:type="simple" xlink:href="navi-20160630.xsd#DisclosureFairValueMeasurementsChangeInBalanceSheetCarryingValueAssociatedWithLevel3FinancialInstrumentsCarriedAtFairValueOnRecurringBasis" roleURI="http://www.navientcorp.com/taxonomy/role/DisclosureFairValueMeasurementsChangeInBalanceSheetCarryingValueAssociatedWithLevel3FinancialInstrumentsCarriedAtFairValueOnRecurringBasis"/>
  <roleRef xlink:type="simple" xlink:href="navi-20160630.xsd#DisclosureFairValueMeasurementsIncludedInEarnings" roleURI="http://www.navientcorp.com/taxonomy/role/DisclosureFairValueMeasurementsIncludedInEarnings"/>
  <roleRef xlink:type="simple" xlink:href="navi-20160630.xsd#DisclosureFairValueMeasurementsUnobservableDataUsedInRecurringValuationsOfLevel3" roleURI="http://www.navientcorp.com/taxonomy/role/DisclosureFairValueMeasurementsUnobservableDataUsedInRecurringValuationsOfLevel3"/>
  <roleRef xlink:type="simple" xlink:href="navi-20160630.xsd#DisclosureFairValueMeasurementsFairValuesOfFinancialAssetsAndLiabilitiesIncludingDerivativeFinancialInstruments" roleURI="http://www.navientcorp.com/taxonomy/role/DisclosureFairValueMeasurementsFairValuesOfFinancialAssetsAndLiabilitiesIncludingDerivativeFinancialInstruments"/>
  <roleRef xlink:type="simple" xlink:href="navi-20160630.xsd#DisclosureFairValueMeasurementsFairValuesOfFinancialAssetsAndLiabilitiesIncludingDerivativeFinancialInstrumentsParenthetical" roleURI="http://www.navientcorp.com/taxonomy/role/DisclosureFairValueMeasurementsFairValuesOfFinancialAssetsAndLiabilitiesIncludingDerivativeFinancialInstrumentsParenthetical"/>
  <roleRef xlink:type="simple" xlink:href="navi-20160630.xsd#DisclosureCommitmentsAndContingenciesAdditionalInformation" roleURI="http://www.navientcorp.com/taxonomy/role/DisclosureCommitmentsAndContingenciesAdditionalInformation"/>
  <roleRef xlink:type="simple" xlink:href="navi-20160630.xsd#DisclosureSegmentReportingAssetInformationForLoansSegment" roleURI="http://www.navientcorp.com/taxonomy/role/DisclosureSegmentReportingAssetInformationForLoansSegment"/>
  <roleRef xlink:type="simple" xlink:href="navi-20160630.xsd#DisclosureSegmentReportingAdditionalInformation" roleURI="http://www.navientcorp.com/taxonomy/role/DisclosureSegmentReportingAdditionalInformation"/>
  <roleRef xlink:type="simple" xlink:href="navi-20160630.xsd#DisclosureSegmentReportingSegmentResultsAndReconciliationsToGAAP" roleURI="http://www.navientcorp.com/taxonomy/role/DisclosureSegmentReportingSegmentResultsAndReconciliationsToGAAP"/>
  <roleRef xlink:type="simple" xlink:href="navi-20160630.xsd#DisclosureSegmentReportingSegmentResultAndReconciliationsToGAAPCoreEarningsAdjustments" roleURI="http://www.navientcorp.com/taxonomy/role/DisclosureSegmentReportingSegmentResultAndReconciliationsToGAAPCoreEarningsAdjustments"/>
  <roleRef xlink:type="simple" xlink:href="navi-20160630.xsd#DisclosureSegmentReportingCoreEarningsAdjustmentsToGAAP" roleURI="http://www.navientcorp.com/taxonomy/role/DisclosureSegmentReportingCoreEarningsAdjustmentsToGAAP"/>
  <roleRef xlink:type="simple" xlink:href="navi-20160630.xsd#DisclosureSegmentReportingCoreEarningsAdjustmentsToGAAPParenthetical" roleURI="http://www.navientcorp.com/taxonomy/role/DisclosureSegmentReportingCoreEarningsAdjustmentsToGAAPParenthetical"/>
  <roleRef xlink:type="simple" xlink:href="navi-20160630.xsd#Role_NotesToFinancialStatementsSignificantAccountingPoliciesTextBlock" roleURI="http://www.navientcorp.com/taxonomy/role/NotesToFinancialStatementsSignificantAccountingPoliciesTextBlock"/>
  <roleRef xlink:type="simple" xlink:href="navi-20160630.xsd#Role_NotesToFinancialStatementsSignificantAccountingPoliciesTextBlockPolicies" roleURI="http://www.navientcorp.com/taxonomy/role/NotesToFinancialStatementsSignificantAccountingPoliciesTextBlockPolicies"/>
  <roleRef xlink:type="simple" xlink:href="navi-20160630.xsd#Role_NotesToFinancialStatementsAllowanceForCreditLossesTextBlock" roleURI="http://www.navientcorp.com/taxonomy/role/NotesToFinancialStatementsAllowanceForCreditLossesTextBlock"/>
  <roleRef xlink:type="simple" xlink:href="navi-20160630.xsd#Role_NotesToFinancialStatementsAllowanceForCreditLossesTextBlockTables" roleURI="http://www.navientcorp.com/taxonomy/role/NotesToFinancialStatementsAllowanceForCreditLossesTextBlockTables"/>
  <roleRef xlink:type="simple" xlink:href="navi-20160630.xsd#Role_NotesToFinancialStatementsDebtDisclosureTextBlock" roleURI="http://www.navientcorp.com/taxonomy/role/NotesToFinancialStatementsDebtDisclosureTextBlock"/>
  <roleRef xlink:type="simple" xlink:href="navi-20160630.xsd#Role_NotesToFinancialStatementsDebtDisclosureTextBlockTables" roleURI="http://www.navientcorp.com/taxonomy/role/NotesToFinancialStatementsDebtDisclosureTextBlockTables"/>
  <roleRef xlink:type="simple" xlink:href="navi-20160630.xsd#Role_NotesToFinancialStatementsDerivativeInstrumentsAndHedgingActivitiesDisclosureTextBlock" roleURI="http://www.navientcorp.com/taxonomy/role/NotesToFinancialStatementsDerivativeInstrumentsAndHedgingActivitiesDisclosureTextBlock"/>
  <roleRef xlink:type="simple" xlink:href="navi-20160630.xsd#Role_NotesToFinancialStatementsDerivativeInstrumentsAndHedgingActivitiesDisclosureTextBlockTables" roleURI="http://www.navientcorp.com/taxonomy/role/NotesToFinancialStatementsDerivativeInstrumentsAndHedgingActivitiesDisclosureTextBlockTables"/>
  <roleRef xlink:type="simple" xlink:href="navi-20160630.xsd#Role_NotesToFinancialStatementsOtherAssetsDisclosureTextBlock" roleURI="http://www.navientcorp.com/taxonomy/role/NotesToFinancialStatementsOtherAssetsDisclosureTextBlock"/>
  <roleRef xlink:type="simple" xlink:href="navi-20160630.xsd#Role_NotesToFinancialStatementsOtherAssetsDisclosureTextBlockTables" roleURI="http://www.navientcorp.com/taxonomy/role/NotesToFinancialStatementsOtherAssetsDisclosureTextBlockTables"/>
  <roleRef xlink:type="simple" xlink:href="navi-20160630.xsd#Role_NotesToFinancialStatementsBusinessCombinationDisclosureTextBlock" roleURI="http://www.navientcorp.com/taxonomy/role/NotesToFinancialStatementsBusinessCombinationDisclosureTextBlock"/>
  <roleRef xlink:type="simple" xlink:href="navi-20160630.xsd#Role_NotesToFinancialStatementsStockholdersEquityNoteDisclosureTextBlock" roleURI="http://www.navientcorp.com/taxonomy/role/NotesToFinancialStatementsStockholdersEquityNoteDisclosureTextBlock"/>
  <roleRef xlink:type="simple" xlink:href="navi-20160630.xsd#Role_NotesToFinancialStatementsStockholdersEquityNoteDisclosureTextBlockTables" roleURI="http://www.navientcorp.com/taxonomy/role/NotesToFinancialStatementsStockholdersEquityNoteDisclosureTextBlockTables"/>
  <roleRef xlink:type="simple" xlink:href="navi-20160630.xsd#Role_NotesToFinancialStatementsEarningsPerShareTextBlock" roleURI="http://www.navientcorp.com/taxonomy/role/NotesToFinancialStatementsEarningsPerShareTextBlock"/>
  <roleRef xlink:type="simple" xlink:href="navi-20160630.xsd#Role_NotesToFinancialStatementsEarningsPerShareTextBlockTables" roleURI="http://www.navientcorp.com/taxonomy/role/NotesToFinancialStatementsEarningsPerShareTextBlockTables"/>
  <roleRef xlink:type="simple" xlink:href="navi-20160630.xsd#Role_NotesToFinancialStatementsFairValueMeasurementInputsDisclosureTextBlock" roleURI="http://www.navientcorp.com/taxonomy/role/NotesToFinancialStatementsFairValueMeasurementInputsDisclosureTextBlock"/>
  <roleRef xlink:type="simple" xlink:href="navi-20160630.xsd#Role_NotesToFinancialStatementsFairValueMeasurementInputsDisclosureTextBlockTables" roleURI="http://www.navientcorp.com/taxonomy/role/NotesToFinancialStatementsFairValueMeasurementInputsDisclosureTextBlockTables"/>
  <roleRef xlink:type="simple" xlink:href="navi-20160630.xsd#Role_NotesToFinancialStatementsCommitmentsAndContingenciesDisclosureTextBlock" roleURI="http://www.navientcorp.com/taxonomy/role/NotesToFinancialStatementsCommitmentsAndContingenciesDisclosureTextBlock"/>
  <roleRef xlink:type="simple" xlink:href="navi-20160630.xsd#Role_NotesToFinancialStatementsSegmentReportingDisclosureTextBlock" roleURI="http://www.navientcorp.com/taxonomy/role/NotesToFinancialStatementsSegmentReportingDisclosureTextBlock"/>
  <roleRef xlink:type="simple" xlink:href="navi-20160630.xsd#Role_NotesToFinancialStatementsSegmentReportingDisclosureTextBlockTables" roleURI="http://www.navientcorp.com/taxonomy/role/NotesToFinancialStatementsSegmentReportingDisclosureTextBlockTables"/>
  <calculationLink xlink:type="extended" xlink:role="http://www.navientcorp.com/taxonomy/role/DocumentandEntityInformation">
  </calculationLink>
  <calculationLink xlink:type="extended" xlink:role="http://www.navientcorp.com/taxonomy/role/StatementOfFinancialPositionUnclassified-InvestmentBasedOperations">
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax" xlink:label="us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_AdditionalPaidInCapitalCommonStock" xlink:label="us-gaap_AdditionalPaidInCapitalCommonStock"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_Assets" xlink:label="us-gaap_Assets"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_AvailableForSaleSecurities" xlink:label="us-gaap_AvailableForSaleSecurities"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_CashAndCashEquivalentsAtCarryingValue" xlink:label="us-gaap_CashAndCashEquivalentsAtCarryingValue"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_CommitmentsAndContingencies" xlink:label="us-gaap_CommitmentsAndContingencies"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_CommonStockValue" xlink:label="us-gaap_CommonStockValue"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_IntangibleAssetsNetIncludingGoodwill" xlink:label="us-gaap_IntangibleAssetsNetIncludingGoodwill"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_Liabilities" xlink:label="us-gaap_Liabilities"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_LiabilitiesAndStockholdersEquity" xlink:label="us-gaap_LiabilitiesAndStockholdersEquity"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_LoansReceivableNet" xlink:label="us-gaap_LoansReceivableNet"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_LongTermDebt" xlink:label="us-gaap_LongTermDebt"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_MarketableSecurities" xlink:label="us-gaap_MarketableSecurities"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_MinorityInterest" xlink:label="us-gaap_MinorityInterest"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_OtherAssets" xlink:label="us-gaap_OtherAssets"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_OtherInvestments" xlink:label="us-gaap_OtherInvestments"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_OtherLiabilities" xlink:label="us-gaap_OtherLiabilities"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_RestrictedCashAndCashEquivalents" xlink:label="us-gaap_RestrictedCashAndCashEquivalents"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_RestrictedCashAndInvestments" xlink:label="us-gaap_RestrictedCashAndInvestments"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_RetainedEarningsAccumulatedDeficit" xlink:label="us-gaap_RetainedEarningsAccumulatedDeficit"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_ShortTermBorrowings" xlink:label="us-gaap_ShortTermBorrowings"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_StockholdersEquity" xlink:label="us-gaap_StockholdersEquity"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_StockholdersEquityBeforeTreasuryStock" xlink:label="us-gaap_StockholdersEquityBeforeTreasuryStock"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest" xlink:label="us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_TreasuryStockValue" xlink:label="us-gaap_TreasuryStockValue"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_VariableInterestEntityConsolidatedCarryingAmountAssetsAndLiabilitiesNet" xlink:label="us-gaap_VariableInterestEntityConsolidatedCarryingAmountAssetsAndLiabilitiesNet"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_Assets" xlink:to="us-gaap_MarketableSecurities" order="1.0700" weight="1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_Assets" xlink:to="us-gaap_CashAndCashEquivalentsAtCarryingValue" order="1.0800" weight="1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_Assets" xlink:to="us-gaap_RestrictedCashAndInvestments" order="1.0900" weight="1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_Assets" xlink:to="us-gaap_IntangibleAssetsNetIncludingGoodwill" order="1.1000" weight="1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_Assets" xlink:to="us-gaap_OtherAssets" order="1.1100" weight="1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_Assets" xlink:to="us-gaap_LoansReceivableNet" order="1.2600" weight="1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_Liabilities" xlink:to="us-gaap_ShortTermBorrowings" order="1.1200" weight="1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_Liabilities" xlink:to="us-gaap_LongTermDebt" order="1.1300" weight="1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_Liabilities" xlink:to="us-gaap_OtherLiabilities" order="1.1400" weight="1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_LiabilitiesAndStockholdersEquity" xlink:to="us-gaap_Liabilities" order="1.1500" weight="1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_LiabilitiesAndStockholdersEquity" xlink:to="us-gaap_CommitmentsAndContingencies" order="1.1600" weight="1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_LiabilitiesAndStockholdersEquity" xlink:to="us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest" order="1.2500" weight="1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_MarketableSecurities" xlink:to="us-gaap_AvailableForSaleSecurities" order="1.0500" weight="1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_MarketableSecurities" xlink:to="us-gaap_OtherInvestments" order="1.0600" weight="1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_StockholdersEquity" xlink:to="us-gaap_StockholdersEquityBeforeTreasuryStock" order="1.2100" weight="1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_StockholdersEquity" xlink:to="us-gaap_TreasuryStockValue" order="1.2200" weight="-1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_StockholdersEquityBeforeTreasuryStock" xlink:to="us-gaap_CommonStockValue" order="1.1700" weight="1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_StockholdersEquityBeforeTreasuryStock" xlink:to="us-gaap_AdditionalPaidInCapitalCommonStock" order="1.1800" weight="1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_StockholdersEquityBeforeTreasuryStock" xlink:to="us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax" order="1.1900" weight="1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_StockholdersEquityBeforeTreasuryStock" xlink:to="us-gaap_RetainedEarningsAccumulatedDeficit" order="1.2000" weight="1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest" xlink:to="us-gaap_StockholdersEquity" order="1.2300" weight="1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest" xlink:to="us-gaap_MinorityInterest" order="1.2400" weight="1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_VariableInterestEntityConsolidatedCarryingAmountAssetsAndLiabilitiesNet" xlink:to="us-gaap_LoansReceivableNet" order="1.0100" weight="1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_VariableInterestEntityConsolidatedCarryingAmountAssetsAndLiabilitiesNet" xlink:to="us-gaap_OtherAssets" order="1.0200" weight="1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_VariableInterestEntityConsolidatedCarryingAmountAssetsAndLiabilitiesNet" xlink:to="us-gaap_ShortTermBorrowings" order="1.0300" weight="-1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_VariableInterestEntityConsolidatedCarryingAmountAssetsAndLiabilitiesNet" xlink:to="us-gaap_LongTermDebt" order="1.0400" weight="-1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_VariableInterestEntityConsolidatedCarryingAmountAssetsAndLiabilitiesNet" xlink:to="us-gaap_RestrictedCashAndCashEquivalents" order="1.2700" weight="1.00" priority="2" use="optional"/>
  </calculationLink>
  <calculationLink xlink:type="extended" xlink:role="http://www.navientcorp.com/taxonomy/role/StatementOfFinancialPositionUnclassified-InvestmentBasedOperationsParenthetical">
  </calculationLink>
  <calculationLink xlink:type="extended" xlink:role="http://www.navientcorp.com/taxonomy/role/StatementOfIncome">
    <loc xlink:type="locator" xlink:href="navi-20160630.xsd#navi_AssetRecoveryAndBusinessProcessingRevenue" xlink:label="navi_AssetRecoveryAndBusinessProcessingRevenue"/>
    <loc xlink:type="locator" xlink:href="navi-20160630.xsd#navi_CashAndInvestmentsInterestIncomeLoss" xlink:label="navi_CashAndInvestmentsInterestIncomeLoss"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_EarningsPerShareBasic" xlink:label="us-gaap_EarningsPerShareBasic"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_EarningsPerShareDiluted" xlink:label="us-gaap_EarningsPerShareDiluted"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_GainLossOnDerivativeInstrumentsNetPretax" xlink:label="us-gaap_GainLossOnDerivativeInstrumentsNetPretax"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_GainLossOnRepurchaseOfDebtInstrument" xlink:label="us-gaap_GainLossOnRepurchaseOfDebtInstrument"/>
    <loc xlink:type="locator" xlink:href="navi-20160630.xsd#navi_GainsLossesOnSalesOfLoansAndSecuritiesNet" xlink:label="navi_GainsLossesOnSalesOfLoansAndSecuritiesNet"/>
    <loc xlink:type="locator" xlink:href="navi-20160630.xsd#navi_GoodwillAndAcquiredIntangibleAssetsImpairmentAndAmortizationExpense" xlink:label="navi_GoodwillAndAcquiredIntangibleAssetsImpairmentAndAmortizationExpense"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest" xlink:label="us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_IncomeLossFromContinuingOperationsIncludingPortionAttributableToNoncontrollingInterest" xlink:label="us-gaap_IncomeLossFromContinuingOperationsIncludingPortionAttributableToNoncontrollingInterest"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_IncomeLossFromContinuingOperationsPerBasicShare" xlink:label="us-gaap_IncomeLossFromContinuingOperationsPerBasicShare"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_IncomeLossFromContinuingOperationsPerDilutedShare" xlink:label="us-gaap_IncomeLossFromContinuingOperationsPerDilutedShare"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxAttributableToReportingEntity" xlink:label="us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxAttributableToReportingEntity"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxPerBasicShare" xlink:label="us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxPerBasicShare"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxPerDilutedShare" xlink:label="us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxPerDilutedShare"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_IncomeTaxExpenseBenefit" xlink:label="us-gaap_IncomeTaxExpenseBenefit"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_InterestAndFeeIncomeLoansConsumer" xlink:label="us-gaap_InterestAndFeeIncomeLoansConsumer"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_InterestAndFeeIncomeOtherLoans" xlink:label="us-gaap_InterestAndFeeIncomeOtherLoans"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_InterestExpense" xlink:label="us-gaap_InterestExpense"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss" xlink:label="us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_InterestIncomeExpenseNet" xlink:label="us-gaap_InterestIncomeExpenseNet"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_InterestIncomeOperating" xlink:label="us-gaap_InterestIncomeOperating"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_LaborAndRelatedExpense" xlink:label="us-gaap_LaborAndRelatedExpense"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_NetIncomeLoss" xlink:label="us-gaap_NetIncomeLoss"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_NetIncomeLossAttributableToNoncontrollingInterest" xlink:label="us-gaap_NetIncomeLossAttributableToNoncontrollingInterest"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_NoninterestExpense" xlink:label="us-gaap_NoninterestExpense"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_NoninterestIncome" xlink:label="us-gaap_NoninterestIncome"/>
    <loc xlink:type="locator" xlink:href="navi-20160630.xsd#navi_NoninterestIncomeExpensesOtherOperatingIncomeExpenses" xlink:label="navi_NoninterestIncomeExpensesOtherOperatingIncomeExpenses"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_OperatingExpenses" xlink:label="us-gaap_OperatingExpenses"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_OtherNoninterestExpense" xlink:label="us-gaap_OtherNoninterestExpense"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_ProfitLoss" xlink:label="us-gaap_ProfitLoss"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_ProvisionForLoanAndLeaseLosses" xlink:label="us-gaap_ProvisionForLoanAndLeaseLosses"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_RestructuringCharges" xlink:label="us-gaap_RestructuringCharges"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_ServicingFeesNet" xlink:label="us-gaap_ServicingFeesNet"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_EarningsPerShareBasic" xlink:to="us-gaap_IncomeLossFromContinuingOperationsPerBasicShare" order="1.2700" weight="1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_EarningsPerShareBasic" xlink:to="us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxPerBasicShare" order="1.2800" weight="1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_EarningsPerShareDiluted" xlink:to="us-gaap_IncomeLossFromContinuingOperationsPerDilutedShare" order="1.2900" weight="1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_EarningsPerShareDiluted" xlink:to="us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxPerDilutedShare" order="1.3000" weight="1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest" xlink:to="us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss" order="1.0700" weight="1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest" xlink:to="us-gaap_NoninterestIncome" order="1.1400" weight="1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest" xlink:to="us-gaap_NoninterestExpense" order="1.2000" weight="-1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_IncomeLossFromContinuingOperationsIncludingPortionAttributableToNoncontrollingInterest" xlink:to="us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest" order="1.2100" weight="1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_IncomeLossFromContinuingOperationsIncludingPortionAttributableToNoncontrollingInterest" xlink:to="us-gaap_IncomeTaxExpenseBenefit" order="1.2200" weight="-1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss" xlink:to="us-gaap_InterestIncomeExpenseNet" order="1.0500" weight="1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss" xlink:to="us-gaap_ProvisionForLoanAndLeaseLosses" order="1.0600" weight="-1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_InterestIncomeExpenseNet" xlink:to="us-gaap_InterestIncomeOperating" order="1.0300" weight="1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_InterestIncomeExpenseNet" xlink:to="us-gaap_InterestExpense" order="1.0400" weight="-1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_InterestIncomeOperating" xlink:to="us-gaap_InterestAndFeeIncomeOtherLoans" order="1.0100" weight="1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_InterestIncomeOperating" xlink:to="navi_CashAndInvestmentsInterestIncomeLoss" order="1.0200" weight="1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_InterestIncomeOperating" xlink:to="us-gaap_InterestAndFeeIncomeLoansConsumer" order="1.3100" weight="1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_NetIncomeLoss" xlink:to="us-gaap_ProfitLoss" order="1.2500" weight="1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_NetIncomeLoss" xlink:to="us-gaap_NetIncomeLossAttributableToNoncontrollingInterest" order="1.2600" weight="-1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_NoninterestExpense" xlink:to="us-gaap_OperatingExpenses" order="1.1700" weight="1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_NoninterestExpense" xlink:to="navi_GoodwillAndAcquiredIntangibleAssetsImpairmentAndAmortizationExpense" order="1.1800" weight="1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_NoninterestExpense" xlink:to="us-gaap_RestructuringCharges" order="1.1900" weight="1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_NoninterestIncome" xlink:to="us-gaap_ServicingFeesNet" order="1.0800" weight="1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_NoninterestIncome" xlink:to="navi_AssetRecoveryAndBusinessProcessingRevenue" order="1.0900" weight="1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_NoninterestIncome" xlink:to="navi_NoninterestIncomeExpensesOtherOperatingIncomeExpenses" order="1.1000" weight="1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_NoninterestIncome" xlink:to="navi_GainsLossesOnSalesOfLoansAndSecuritiesNet" order="1.1100" weight="1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_NoninterestIncome" xlink:to="us-gaap_GainLossOnRepurchaseOfDebtInstrument" order="1.1200" weight="1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_NoninterestIncome" xlink:to="us-gaap_GainLossOnDerivativeInstrumentsNetPretax" order="1.1300" weight="1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_OperatingExpenses" xlink:to="us-gaap_LaborAndRelatedExpense" order="1.1500" weight="1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_OperatingExpenses" xlink:to="us-gaap_OtherNoninterestExpense" order="1.1600" weight="1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_ProfitLoss" xlink:to="us-gaap_IncomeLossFromContinuingOperationsIncludingPortionAttributableToNoncontrollingInterest" order="1.2300" weight="1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_ProfitLoss" xlink:to="us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxAttributableToReportingEntity" order="1.2400" weight="1.00" priority="2" use="optional"/>
  </calculationLink>
  <calculationLink xlink:type="extended" xlink:role="http://www.navientcorp.com/taxonomy/role/StatementOfOtherComprehensiveIncome">
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_ComprehensiveIncomeNetOfTax" xlink:label="us-gaap_ComprehensiveIncomeNetOfTax"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossDerivativesQualifyingAsHedgesBeforeTax" xlink:label="us-gaap_OtherComprehensiveIncomeLossDerivativesQualifyingAsHedgesBeforeTax"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossNetOfTax" xlink:label="us-gaap_OtherComprehensiveIncomeLossNetOfTax"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIOnDerivativesBeforeTax" xlink:label="us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIOnDerivativesBeforeTax"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossTax" xlink:label="us-gaap_OtherComprehensiveIncomeLossTax"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_OtherComprehensiveIncomeUnrealizedGainLossOnDerivativesArisingDuringPeriodBeforeTax" xlink:label="us-gaap_OtherComprehensiveIncomeUnrealizedGainLossOnDerivativesArisingDuringPeriodBeforeTax"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_ProfitLoss" xlink:label="us-gaap_ProfitLoss"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_ComprehensiveIncomeNetOfTax" xlink:to="us-gaap_ProfitLoss" order="1.0100" weight="1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_ComprehensiveIncomeNetOfTax" xlink:to="us-gaap_OtherComprehensiveIncomeLossNetOfTax" order="1.0600" weight="1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_OtherComprehensiveIncomeLossDerivativesQualifyingAsHedgesBeforeTax" xlink:to="us-gaap_OtherComprehensiveIncomeUnrealizedGainLossOnDerivativesArisingDuringPeriodBeforeTax" order="1.0200" weight="1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_OtherComprehensiveIncomeLossDerivativesQualifyingAsHedgesBeforeTax" xlink:to="us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIOnDerivativesBeforeTax" order="1.0300" weight="-1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_OtherComprehensiveIncomeLossNetOfTax" xlink:to="us-gaap_OtherComprehensiveIncomeLossDerivativesQualifyingAsHedgesBeforeTax" order="1.0400" weight="1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_OtherComprehensiveIncomeLossNetOfTax" xlink:to="us-gaap_OtherComprehensiveIncomeLossTax" order="1.0500" weight="-1.00" priority="2" use="optional"/>
  </calculationLink>
  <calculationLink xlink:type="extended" xlink:role="http://www.navientcorp.com/taxonomy/role/StatementOfShareholdersEquityAndOtherComprehensiveIncome">
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest" xlink:label="us-gaap_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossNetOfTax" xlink:label="us-gaap_OtherComprehensiveIncomeLossNetOfTax"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_ProfitLoss" xlink:label="us-gaap_ProfitLoss"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest" xlink:to="us-gaap_ProfitLoss" order="1.0300" weight="1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest" xlink:to="us-gaap_OtherComprehensiveIncomeLossNetOfTax" order="1.0400" weight="1.00" priority="2" use="optional"/>
  </calculationLink>
  <calculationLink xlink:type="extended" xlink:role="http://www.navientcorp.com/taxonomy/role/StatementOfShareholdersEquityAndOtherComprehensiveIncomeParenthetical">
  </calculationLink>
  <calculationLink xlink:type="extended" xlink:role="http://www.navientcorp.com/taxonomy/role/StatementOfCashFlowsIndirectInvestmentBasedOperations">
    <loc xlink:type="locator" xlink:href="navi-20160630.xsd#navi_AssetBackedFinancingFacilitiesNetActivity" xlink:label="navi_AssetBackedFinancingFacilitiesNetActivity"/>
    <loc xlink:type="locator" xlink:href="navi-20160630.xsd#navi_BorrowingsCollateralizedByLoansInTrustIssued" xlink:label="navi_BorrowingsCollateralizedByLoansInTrustIssued"/>
    <loc xlink:type="locator" xlink:href="navi-20160630.xsd#navi_BorrowingsCollateralizedByLoansInTrustRepaid" xlink:label="navi_BorrowingsCollateralizedByLoansInTrustRepaid"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease" xlink:label="us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease"/>
    <loc xlink:type="locator" xlink:href="navi-20160630.xsd#navi_GainsLossesOnSalesOfLoansAndSecuritiesNet" xlink:label="navi_GainsLossesOnSalesOfLoansAndSecuritiesNet"/>
    <loc xlink:type="locator" xlink:href="navi-20160630.xsd#navi_GoodwillAndAcquiredIntangibleAssetsImpairmentAndAmortizationExpense" xlink:label="navi_GoodwillAndAcquiredIntangibleAssetsImpairmentAndAmortizationExpense"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_IncreaseDecreaseInAccruedInterestReceivableNet" xlink:label="us-gaap_IncreaseDecreaseInAccruedInterestReceivableNet"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_IncreaseDecreaseInInterestPayableNet" xlink:label="us-gaap_IncreaseDecreaseInInterestPayableNet"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_IncreaseDecreaseInOperatingAssets" xlink:label="us-gaap_IncreaseDecreaseInOperatingAssets"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_IncreaseDecreaseInOtherOperatingLiabilities" xlink:label="us-gaap_IncreaseDecreaseInOtherOperatingLiabilities"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_IncreaseDecreaseInRestrictedCash" xlink:label="us-gaap_IncreaseDecreaseInRestrictedCash"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_IncreaseDecreaseInRestrictedCashForOperatingActivities" xlink:label="us-gaap_IncreaseDecreaseInRestrictedCashForOperatingActivities"/>
    <loc xlink:type="locator" xlink:href="navi-20160630.xsd#navi_InstallmentPaymentsClaimsAndOther" xlink:label="navi_InstallmentPaymentsClaimsAndOther"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations" xlink:label="us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivities" xlink:label="us-gaap_NetCashProvidedByUsedInInvestingActivities"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivities" xlink:label="us-gaap_NetCashProvidedByUsedInOperatingActivities"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_PaymentsForProceedsFromOtherInvestingActivities" xlink:label="us-gaap_PaymentsForProceedsFromOtherInvestingActivities"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_PaymentsForRepurchaseOfCommonStock" xlink:label="us-gaap_PaymentsForRepurchaseOfCommonStock"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_PaymentsOfDividendsCommonStock" xlink:label="us-gaap_PaymentsOfDividendsCommonStock"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_PaymentsToAcquireBusinessesNetOfCashAcquired" xlink:label="us-gaap_PaymentsToAcquireBusinessesNetOfCashAcquired"/>
    <loc xlink:type="locator" xlink:href="navi-20160630.xsd#navi_PaymentsToAcquireHeldToMaturityAndOtherSecurities" xlink:label="navi_PaymentsToAcquireHeldToMaturityAndOtherSecurities"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_PaymentsToAcquireLoansHeldForInvestment" xlink:label="us-gaap_PaymentsToAcquireLoansHeldForInvestment"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_ProceedsFromIssuanceOfOtherLongTermDebt" xlink:label="us-gaap_ProceedsFromIssuanceOfOtherLongTermDebt"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_ProceedsFromPaymentsForOtherFinancingActivities" xlink:label="us-gaap_ProceedsFromPaymentsForOtherFinancingActivities"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities" xlink:label="us-gaap_ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities"/>
    <loc xlink:type="locator" xlink:href="navi-20160630.xsd#navi_ProceedsFromSaleAndMaturityOfHeldToMaturityAndOtherSecurities" xlink:label="navi_ProceedsFromSaleAndMaturityOfHeldToMaturityAndOtherSecurities"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_ProceedsFromSaleOfLoansHeldForInvestment" xlink:label="us-gaap_ProceedsFromSaleOfLoansHeldForInvestment"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_ProfitLoss" xlink:label="us-gaap_ProfitLoss"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_ProvisionForLoanAndLeaseLosses" xlink:label="us-gaap_ProvisionForLoanAndLeaseLosses"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_RepaymentsOfOtherLongTermDebt" xlink:label="us-gaap_RepaymentsOfOtherLongTermDebt"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_ShareBasedCompensation" xlink:label="us-gaap_ShareBasedCompensation"/>
    <loc xlink:type="locator" xlink:href="navi-20160630.xsd#navi_UnrealizedGainsOrLossesOnDerivativeAndHedgingActivities" xlink:label="navi_UnrealizedGainsOrLossesOnDerivativeAndHedgingActivities"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease" xlink:to="us-gaap_NetCashProvidedByUsedInOperatingActivities" order="1.1200" weight="1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease" xlink:to="us-gaap_NetCashProvidedByUsedInInvestingActivities" order="1.2200" weight="1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease" xlink:to="us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations" order="1.3100" weight="1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations" xlink:to="navi_BorrowingsCollateralizedByLoansInTrustIssued" order="1.2300" weight="1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations" xlink:to="navi_BorrowingsCollateralizedByLoansInTrustRepaid" order="1.2400" weight="-1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations" xlink:to="navi_AssetBackedFinancingFacilitiesNetActivity" order="1.2500" weight="-1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations" xlink:to="us-gaap_ProceedsFromIssuanceOfOtherLongTermDebt" order="1.2600" weight="1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations" xlink:to="us-gaap_RepaymentsOfOtherLongTermDebt" order="1.2700" weight="-1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations" xlink:to="us-gaap_ProceedsFromPaymentsForOtherFinancingActivities" order="1.2800" weight="1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations" xlink:to="us-gaap_PaymentsForRepurchaseOfCommonStock" order="1.2900" weight="-1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations" xlink:to="us-gaap_PaymentsOfDividendsCommonStock" order="1.3000" weight="-1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_NetCashProvidedByUsedInInvestingActivities" xlink:to="us-gaap_PaymentsToAcquireLoansHeldForInvestment" order="1.1300" weight="-1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_NetCashProvidedByUsedInInvestingActivities" xlink:to="navi_InstallmentPaymentsClaimsAndOther" order="1.1400" weight="1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_NetCashProvidedByUsedInInvestingActivities" xlink:to="us-gaap_ProceedsFromSaleOfLoansHeldForInvestment" order="1.1500" weight="1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_NetCashProvidedByUsedInInvestingActivities" xlink:to="us-gaap_PaymentsForProceedsFromOtherInvestingActivities" order="1.1600" weight="-1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_NetCashProvidedByUsedInInvestingActivities" xlink:to="us-gaap_ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities" order="1.1700" weight="1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_NetCashProvidedByUsedInInvestingActivities" xlink:to="navi_PaymentsToAcquireHeldToMaturityAndOtherSecurities" order="1.1800" weight="-1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_NetCashProvidedByUsedInInvestingActivities" xlink:to="navi_ProceedsFromSaleAndMaturityOfHeldToMaturityAndOtherSecurities" order="1.1900" weight="1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_NetCashProvidedByUsedInInvestingActivities" xlink:to="us-gaap_IncreaseDecreaseInRestrictedCash" order="1.2000" weight="-1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_NetCashProvidedByUsedInInvestingActivities" xlink:to="us-gaap_PaymentsToAcquireBusinessesNetOfCashAcquired" order="1.2100" weight="-1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_NetCashProvidedByUsedInOperatingActivities" xlink:to="us-gaap_ProfitLoss" order="1.0100" weight="1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_NetCashProvidedByUsedInOperatingActivities" xlink:to="navi_GainsLossesOnSalesOfLoansAndSecuritiesNet" order="1.0200" weight="-1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_NetCashProvidedByUsedInOperatingActivities" xlink:to="navi_GoodwillAndAcquiredIntangibleAssetsImpairmentAndAmortizationExpense" order="1.0300" weight="1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_NetCashProvidedByUsedInOperatingActivities" xlink:to="us-gaap_ShareBasedCompensation" order="1.0400" weight="1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_NetCashProvidedByUsedInOperatingActivities" xlink:to="navi_UnrealizedGainsOrLossesOnDerivativeAndHedgingActivities" order="1.0500" weight="-1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_NetCashProvidedByUsedInOperatingActivities" xlink:to="us-gaap_ProvisionForLoanAndLeaseLosses" order="1.0600" weight="1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_NetCashProvidedByUsedInOperatingActivities" xlink:to="us-gaap_IncreaseDecreaseInRestrictedCashForOperatingActivities" order="1.0700" weight="-1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_NetCashProvidedByUsedInOperatingActivities" xlink:to="us-gaap_IncreaseDecreaseInAccruedInterestReceivableNet" order="1.0800" weight="-1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_NetCashProvidedByUsedInOperatingActivities" xlink:to="us-gaap_IncreaseDecreaseInInterestPayableNet" order="1.0900" weight="1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_NetCashProvidedByUsedInOperatingActivities" xlink:to="us-gaap_IncreaseDecreaseInOperatingAssets" order="1.1000" weight="-1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_NetCashProvidedByUsedInOperatingActivities" xlink:to="us-gaap_IncreaseDecreaseInOtherOperatingLiabilities" order="1.1100" weight="1.00" priority="2" use="optional"/>
  </calculationLink>
  <calculationLink xlink:type="extended" xlink:role="http://www.navientcorp.com/taxonomy/role/DisclosureAllowanceForLoanLossesAdditionalInformation">
  </calculationLink>
  <calculationLink xlink:type="extended" xlink:role="http://www.navientcorp.com/taxonomy/role/DisclosureAllowanceForLoanLossesAllowanceForCreditLossesAndRecordedInvestmentsInLoans">
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_AllowanceForLoanAndLeaseLossesWriteoffsNet" xlink:label="us-gaap_AllowanceForLoanAndLeaseLossesWriteoffsNet"/>
    <loc xlink:type="locator" xlink:href="navi-20160630.xsd#navi_AllowanceForLoanAndLeaseLossesWriteOffsNetRemaining" xlink:label="navi_AllowanceForLoanAndLeaseLossesWriteOffsNetRemaining"/>
    <loc xlink:type="locator" xlink:href="navi-20160630.xsd#navi_NetAdjustmentFromChangeInChargeOffRate" xlink:label="navi_NetAdjustmentFromChangeInChargeOffRate"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_AllowanceForLoanAndLeaseLossesWriteoffsNet" xlink:to="navi_NetAdjustmentFromChangeInChargeOffRate" order="1.0300" weight="-1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_AllowanceForLoanAndLeaseLossesWriteoffsNet" xlink:to="navi_AllowanceForLoanAndLeaseLossesWriteOffsNetRemaining" order="1.0400" weight="1.00" priority="2" use="optional"/>
  </calculationLink>
  <calculationLink xlink:type="extended" xlink:role="http://www.navientcorp.com/taxonomy/role/DisclosureAllowanceForLoanLossesAllowanceForCreditLossesAndRecordedInvestmentsInLoansParenthetical">
  </calculationLink>
  <calculationLink xlink:type="extended" xlink:role="http://www.navientcorp.com/taxonomy/role/DisclosureAllowanceForLoanLossesPrivateEducationLoanPortfolioStratifiedByKeyCreditQualityIndicators">
    <loc xlink:type="locator" xlink:href="navi-20160630.xsd#navi_LoansGrossInPercent" xlink:label="navi_LoansGrossInPercent"/>
    <loc xlink:type="locator" xlink:href="navi-20160630.xsd#navi_LoansWithCosigner" xlink:label="navi_LoansWithCosigner"/>
    <loc xlink:type="locator" xlink:href="navi-20160630.xsd#navi_LoansWithoutCosigner" xlink:label="navi_LoansWithoutCosigner"/>
    <loc xlink:type="locator" xlink:href="navi-20160630.xsd#navi_NonTraditionalLoans" xlink:label="navi_NonTraditionalLoans"/>
    <loc xlink:type="locator" xlink:href="navi-20160630.xsd#navi_NonTraditionalLoansInPercent" xlink:label="navi_NonTraditionalLoansInPercent"/>
    <loc xlink:type="locator" xlink:href="navi-20160630.xsd#navi_PercentOfLoansWithCosigner" xlink:label="navi_PercentOfLoansWithCosigner"/>
    <loc xlink:type="locator" xlink:href="navi-20160630.xsd#navi_PercentOfLoansWithoutCosigner" xlink:label="navi_PercentOfLoansWithoutCosigner"/>
    <loc xlink:type="locator" xlink:href="navi-20160630.xsd#navi_PrivateEducationLoansGross" xlink:label="navi_PrivateEducationLoansGross"/>
    <loc xlink:type="locator" xlink:href="navi-20160630.xsd#navi_SeasoningBasedOnMonthlyScheduledPaymentsDueFromMoreThanFortyEightPayments" xlink:label="navi_SeasoningBasedOnMonthlyScheduledPaymentsDueFromMoreThanFortyEightPayments"/>
    <loc xlink:type="locator" xlink:href="navi-20160630.xsd#navi_SeasoningBasedOnMonthlyScheduledPaymentsDueFromMoreThanFortyEightPaymentsInPercent" xlink:label="navi_SeasoningBasedOnMonthlyScheduledPaymentsDueFromMoreThanFortyEightPaymentsInPercent"/>
    <loc xlink:type="locator" xlink:href="navi-20160630.xsd#navi_SeasoningBasedOnMonthlyScheduledPaymentsDueFromNotYetInRepayment" xlink:label="navi_SeasoningBasedOnMonthlyScheduledPaymentsDueFromNotYetInRepayment"/>
    <loc xlink:type="locator" xlink:href="navi-20160630.xsd#navi_SeasoningBasedOnMonthlyScheduledPaymentsDueFromNotYetInRepaymentInPercent" xlink:label="navi_SeasoningBasedOnMonthlyScheduledPaymentsDueFromNotYetInRepaymentInPercent"/>
    <loc xlink:type="locator" xlink:href="navi-20160630.xsd#navi_SeasoningBasedOnMonthlyScheduledPaymentsDueFromOneToTwelvePayments" xlink:label="navi_SeasoningBasedOnMonthlyScheduledPaymentsDueFromOneToTwelvePayments"/>
    <loc xlink:type="locator" xlink:href="navi-20160630.xsd#navi_SeasoningBasedOnMonthlyScheduledPaymentsDueFromOneToTwelvePaymentsInPercent" xlink:label="navi_SeasoningBasedOnMonthlyScheduledPaymentsDueFromOneToTwelvePaymentsInPercent"/>
    <loc xlink:type="locator" xlink:href="navi-20160630.xsd#navi_SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirteenToTwentyFourPayments" xlink:label="navi_SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirteenToTwentyFourPayments"/>
    <loc xlink:type="locator" xlink:href="navi-20160630.xsd#navi_SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirteenToTwentyFourPaymentsInPercent" xlink:label="navi_SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirteenToTwentyFourPaymentsInPercent"/>
    <loc xlink:type="locator" xlink:href="navi-20160630.xsd#navi_SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirtySevenToFortyEightPayments" xlink:label="navi_SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirtySevenToFortyEightPayments"/>
    <loc xlink:type="locator" xlink:href="navi-20160630.xsd#navi_SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirtySevenToFortyEightPaymentsInPercent" xlink:label="navi_SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirtySevenToFortyEightPaymentsInPercent"/>
    <loc xlink:type="locator" xlink:href="navi-20160630.xsd#navi_SeasoningBasedOnMonthlyScheduledPaymentsDueFromTwentyFiveToThirtySixPayments" xlink:label="navi_SeasoningBasedOnMonthlyScheduledPaymentsDueFromTwentyFiveToThirtySixPayments"/>
    <loc xlink:type="locator" xlink:href="navi-20160630.xsd#navi_SeasoningBasedOnMonthlyScheduledPaymentsDueFromTwentyFiveToThirtySixPaymentsInPercent" xlink:label="navi_SeasoningBasedOnMonthlyScheduledPaymentsDueFromTwentyFiveToThirtySixPaymentsInPercent"/>
    <loc xlink:type="locator" xlink:href="navi-20160630.xsd#navi_TraditionalLoans" xlink:label="navi_TraditionalLoans"/>
    <loc xlink:type="locator" xlink:href="navi-20160630.xsd#navi_TraditionalLoansInPercent" xlink:label="navi_TraditionalLoansInPercent"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="navi_LoansGrossInPercent" xlink:to="navi_TraditionalLoansInPercent" order="1.0100" weight="1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="navi_LoansGrossInPercent" xlink:to="navi_NonTraditionalLoansInPercent" order="1.0200" weight="1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="navi_LoansGrossInPercent" xlink:to="navi_PercentOfLoansWithCosigner" order="1.0300" weight="1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="navi_LoansGrossInPercent" xlink:to="navi_PercentOfLoansWithoutCosigner" order="1.0400" weight="1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="navi_LoansGrossInPercent" xlink:to="navi_SeasoningBasedOnMonthlyScheduledPaymentsDueFromOneToTwelvePaymentsInPercent" order="1.1500" weight="1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="navi_LoansGrossInPercent" xlink:to="navi_SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirteenToTwentyFourPaymentsInPercent" order="1.1600" weight="1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="navi_LoansGrossInPercent" xlink:to="navi_SeasoningBasedOnMonthlyScheduledPaymentsDueFromTwentyFiveToThirtySixPaymentsInPercent" order="1.1700" weight="1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="navi_LoansGrossInPercent" xlink:to="navi_SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirtySevenToFortyEightPaymentsInPercent" order="1.1800" weight="1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="navi_LoansGrossInPercent" xlink:to="navi_SeasoningBasedOnMonthlyScheduledPaymentsDueFromMoreThanFortyEightPaymentsInPercent" order="1.1900" weight="1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="navi_LoansGrossInPercent" xlink:to="navi_SeasoningBasedOnMonthlyScheduledPaymentsDueFromNotYetInRepaymentInPercent" order="1.2000" weight="1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="navi_PrivateEducationLoansGross" xlink:to="navi_TraditionalLoans" order="1.0500" weight="1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="navi_PrivateEducationLoansGross" xlink:to="navi_NonTraditionalLoans" order="1.0600" weight="1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="navi_PrivateEducationLoansGross" xlink:to="navi_LoansWithCosigner" order="1.0700" weight="1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="navi_PrivateEducationLoansGross" xlink:to="navi_LoansWithoutCosigner" order="1.0800" weight="1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="navi_PrivateEducationLoansGross" xlink:to="navi_SeasoningBasedOnMonthlyScheduledPaymentsDueFromOneToTwelvePayments" order="1.0900" weight="1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="navi_PrivateEducationLoansGross" xlink:to="navi_SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirteenToTwentyFourPayments" order="1.1000" weight="1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="navi_PrivateEducationLoansGross" xlink:to="navi_SeasoningBasedOnMonthlyScheduledPaymentsDueFromTwentyFiveToThirtySixPayments" order="1.1100" weight="1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="navi_PrivateEducationLoansGross" xlink:to="navi_SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirtySevenToFortyEightPayments" order="1.1200" weight="1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="navi_PrivateEducationLoansGross" xlink:to="navi_SeasoningBasedOnMonthlyScheduledPaymentsDueFromMoreThanFortyEightPayments" order="1.1300" weight="1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="navi_PrivateEducationLoansGross" xlink:to="navi_SeasoningBasedOnMonthlyScheduledPaymentsDueFromNotYetInRepayment" order="1.1400" weight="1.00" priority="2" use="optional"/>
  </calculationLink>
  <calculationLink xlink:type="extended" xlink:role="http://www.navientcorp.com/taxonomy/role/DisclosureAllowanceForLoanLossesAgeAnalysisOfPastDueLoansDelinquencies">
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentCurrent" xlink:label="us-gaap_FinancingReceivableRecordedInvestmentCurrent"/>
    <loc xlink:type="locator" xlink:href="navi-20160630.xsd#navi_FinancingReceivableRecordedInvestmentInSchoolGraceAndDefermentLoan" xlink:label="navi_FinancingReceivableRecordedInvestmentInSchoolGraceAndDefermentLoan"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentPastDue" xlink:label="us-gaap_FinancingReceivableRecordedInvestmentPastDue"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_LoansAndLeasesReceivableAllowance" xlink:label="us-gaap_LoansAndLeasesReceivableAllowance"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_LoansAndLeasesReceivableGrossCarryingAmount" xlink:label="us-gaap_LoansAndLeasesReceivableGrossCarryingAmount"/>
    <loc xlink:type="locator" xlink:href="navi-20160630.xsd#navi_LoansGross" xlink:label="navi_LoansGross"/>
    <loc xlink:type="locator" xlink:href="navi-20160630.xsd#navi_LoansInRepayment" xlink:label="navi_LoansInRepayment"/>
    <loc xlink:type="locator" xlink:href="navi-20160630.xsd#navi_LoansReceivableForPartiallyChargedOffLoans" xlink:label="navi_LoansReceivableForPartiallyChargedOffLoans"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_LoansReceivableNet" xlink:label="us-gaap_LoansReceivableNet"/>
    <loc xlink:type="locator" xlink:href="navi-20160630.xsd#navi_LoanStatusForbearanceRecordedInvestment" xlink:label="navi_LoanStatusForbearanceRecordedInvestment"/>
    <loc xlink:type="locator" xlink:href="navi-20160630.xsd#navi_LoanStatusInSchoolGraceAndDefermentRecordedInvestment" xlink:label="navi_LoanStatusInSchoolGraceAndDefermentRecordedInvestment"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_UnamortizedLoanCommitmentAndOriginationFeesAndUnamortizedDiscountsOrPremiums" xlink:label="us-gaap_UnamortizedLoanCommitmentAndOriginationFeesAndUnamortizedDiscountsOrPremiums"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_LoansAndLeasesReceivableGrossCarryingAmount" xlink:to="navi_LoansGross" order="1.0900" weight="1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_LoansAndLeasesReceivableGrossCarryingAmount" xlink:to="us-gaap_UnamortizedLoanCommitmentAndOriginationFeesAndUnamortizedDiscountsOrPremiums" order="1.1000" weight="1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="navi_LoansGross" xlink:to="navi_LoanStatusInSchoolGraceAndDefermentRecordedInvestment" order="1.0100" weight="1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="navi_LoansGross" xlink:to="navi_FinancingReceivableRecordedInvestmentInSchoolGraceAndDefermentLoan" order="1.0200" weight="1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="navi_LoansGross" xlink:to="navi_LoanStatusForbearanceRecordedInvestment" order="1.0300" weight="1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="navi_LoansGross" xlink:to="navi_LoansInRepayment" order="1.0800" weight="1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="navi_LoansInRepayment" xlink:to="us-gaap_FinancingReceivableRecordedInvestmentCurrent" order="1.0400" weight="1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="navi_LoansInRepayment" xlink:to="us-gaap_FinancingReceivableRecordedInvestmentPastDue" order="1.0500" weight="1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_LoansReceivableNet" xlink:to="us-gaap_LoansAndLeasesReceivableGrossCarryingAmount" order="1.1100" weight="1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_LoansReceivableNet" xlink:to="navi_LoansReceivableForPartiallyChargedOffLoans" order="1.1200" weight="1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_LoansReceivableNet" xlink:to="us-gaap_LoansAndLeasesReceivableAllowance" order="1.1300" weight="-1.00" priority="2" use="optional"/>
  </calculationLink>
  <calculationLink xlink:type="extended" xlink:role="http://www.navientcorp.com/taxonomy/role/DisclosureAllowanceForLoanLossesReceivableForPartiallyChargedOffLoans">
  </calculationLink>
  <calculationLink xlink:type="extended" xlink:role="http://www.navientcorp.com/taxonomy/role/DisclosureAllowanceForLoanLossesReceivableForPartiallyChargedOffLoansParenthetical">
  </calculationLink>
  <calculationLink xlink:type="extended" xlink:role="http://www.navientcorp.com/taxonomy/role/DisclosureAllowanceForLoanLossesRecordedInvestmentUnpaidPrincipalBalanceAndRelatedAllowanceForTDRLoans">
  </calculationLink>
  <calculationLink xlink:type="extended" xlink:role="http://www.navientcorp.com/taxonomy/role/DisclosureAllowanceForLoanLossesAverageRecordedInvestmentAndInterestIncomeRecognizedForTDR">
  </calculationLink>
  <calculationLink xlink:type="extended" xlink:role="http://www.navientcorp.com/taxonomy/role/DisclosureAllowanceForLoanLossesLoansModifiedAccountsForTDR">
  </calculationLink>
  <calculationLink xlink:type="extended" xlink:role="http://www.navientcorp.com/taxonomy/role/DisclosureAllowanceForLoanLossesAccruedInterestReceivable">
  </calculationLink>
  <calculationLink xlink:type="extended" xlink:role="http://www.navientcorp.com/taxonomy/role/DisclosureBorrowingsCompanysBorrowings">
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_DebtLongtermAndShorttermCombinedAmount" xlink:label="us-gaap_DebtLongtermAndShorttermCombinedAmount"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_LongTermDebt" xlink:label="us-gaap_LongTermDebt"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_ShortTermBorrowings" xlink:label="us-gaap_ShortTermBorrowings"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_DebtLongtermAndShorttermCombinedAmount" xlink:to="us-gaap_ShortTermBorrowings" order="1.0100" weight="1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_DebtLongtermAndShorttermCombinedAmount" xlink:to="us-gaap_LongTermDebt" order="1.0200" weight="1.00" priority="2" use="optional"/>
  </calculationLink>
  <calculationLink xlink:type="extended" xlink:role="http://www.navientcorp.com/taxonomy/role/DisclosureBorrowingsCompanysBorrowingsParenthetical">
  </calculationLink>
  <calculationLink xlink:type="extended" xlink:role="http://www.navientcorp.com/taxonomy/role/DisclosureBorrowingsFinancingVIEs">
    <loc xlink:type="locator" xlink:href="navi-20160630.xsd#navi_CarryingAmountOfAssetsSecuringDebtOutstandingLoans" xlink:label="navi_CarryingAmountOfAssetsSecuringDebtOutstandingLoans"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_OtherAssets" xlink:label="us-gaap_OtherAssets"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_RestrictedCashAndCashEquivalents" xlink:label="us-gaap_RestrictedCashAndCashEquivalents"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_VariableInterestEntityConsolidatedCarryingAmountAssets" xlink:label="us-gaap_VariableInterestEntityConsolidatedCarryingAmountAssets"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_VariableInterestEntityConsolidatedCarryingAmountAssets" xlink:to="navi_CarryingAmountOfAssetsSecuringDebtOutstandingLoans" order="1.0300" weight="1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_VariableInterestEntityConsolidatedCarryingAmountAssets" xlink:to="us-gaap_RestrictedCashAndCashEquivalents" order="1.0400" weight="1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_VariableInterestEntityConsolidatedCarryingAmountAssets" xlink:to="us-gaap_OtherAssets" order="1.0500" weight="1.00" priority="2" use="optional"/>
  </calculationLink>
  <calculationLink xlink:type="extended" xlink:role="http://www.navientcorp.com/taxonomy/role/DisclosureBorrowingsFinancingVIEsParenthetical">
  </calculationLink>
  <calculationLink xlink:type="extended" xlink:role="http://www.navientcorp.com/taxonomy/role/DisclosureDerivativeFinancialInstrumentsImpactOfDerivativesOnConsolidatedBalanceSheet">
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_DerivativeFairValueOfDerivativeAsset" xlink:label="us-gaap_DerivativeFairValueOfDerivativeAsset"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_DerivativeFairValueOfDerivativeLiability" xlink:label="us-gaap_DerivativeFairValueOfDerivativeLiability"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_DerivativeFairValueOfDerivativeNet" xlink:label="us-gaap_DerivativeFairValueOfDerivativeNet"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_DerivativeFairValueOfDerivativeNet" xlink:to="us-gaap_DerivativeFairValueOfDerivativeAsset" order="1.0300" weight="1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_DerivativeFairValueOfDerivativeNet" xlink:to="us-gaap_DerivativeFairValueOfDerivativeLiability" order="1.0400" weight="-1.00" priority="2" use="optional"/>
  </calculationLink>
  <calculationLink xlink:type="extended" xlink:role="http://www.navientcorp.com/taxonomy/role/DisclosureDerivativeFinancialInstrumentsGrossPositionsWithoutImpactOfMasterNettingAgreements">
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_DerivativeAssetFairValueGrossLiability" xlink:label="us-gaap_DerivativeAssetFairValueGrossLiability"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_DerivativeAssets" xlink:label="us-gaap_DerivativeAssets"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_DerivativeCollateralObligationToReturnCash" xlink:label="us-gaap_DerivativeCollateralObligationToReturnCash"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_DerivativeCollateralRightToReclaimCash" xlink:label="us-gaap_DerivativeCollateralRightToReclaimCash"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_DerivativeFairValueOfDerivativeAsset" xlink:label="us-gaap_DerivativeFairValueOfDerivativeAsset"/>
    <loc xlink:type="locator" xlink:href="navi-20160630.xsd#navi_DerivativeFairValueOfDerivativeAssetAmountOffsetAgainstCollateralNet" xlink:label="navi_DerivativeFairValueOfDerivativeAssetAmountOffsetAgainstCollateralNet"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_DerivativeFairValueOfDerivativeLiability" xlink:label="us-gaap_DerivativeFairValueOfDerivativeLiability"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_DerivativeFairValueOfDerivativeLiabilityAmountOffsetAgainstCollateral" xlink:label="us-gaap_DerivativeFairValueOfDerivativeLiabilityAmountOffsetAgainstCollateral"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_DerivativeLiabilities" xlink:label="us-gaap_DerivativeLiabilities"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_DerivativeLiabilityFairValueGrossAsset" xlink:label="us-gaap_DerivativeLiabilityFairValueGrossAsset"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_DerivativeAssets" xlink:to="us-gaap_DerivativeFairValueOfDerivativeAsset" order="1.0100" weight="1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_DerivativeAssets" xlink:to="us-gaap_DerivativeAssetFairValueGrossLiability" order="1.0200" weight="-1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="navi_DerivativeFairValueOfDerivativeAssetAmountOffsetAgainstCollateralNet" xlink:to="us-gaap_DerivativeAssets" order="1.0300" weight="1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="navi_DerivativeFairValueOfDerivativeAssetAmountOffsetAgainstCollateralNet" xlink:to="us-gaap_DerivativeCollateralObligationToReturnCash" order="1.0400" weight="-1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_DerivativeFairValueOfDerivativeLiabilityAmountOffsetAgainstCollateral" xlink:to="us-gaap_DerivativeLiabilities" order="1.0700" weight="1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_DerivativeFairValueOfDerivativeLiabilityAmountOffsetAgainstCollateral" xlink:to="us-gaap_DerivativeCollateralRightToReclaimCash" order="1.0800" weight="-1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_DerivativeLiabilities" xlink:to="us-gaap_DerivativeFairValueOfDerivativeLiability" order="1.0500" weight="1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_DerivativeLiabilities" xlink:to="us-gaap_DerivativeLiabilityFairValueGrossAsset" order="1.0600" weight="-1.00" priority="2" use="optional"/>
  </calculationLink>
  <calculationLink xlink:type="extended" xlink:role="http://www.navientcorp.com/taxonomy/role/DisclosureDerivativeFinancialInstrumentsAdditionalInformation">
  </calculationLink>
  <calculationLink xlink:type="extended" xlink:role="http://www.navientcorp.com/taxonomy/role/DisclosureDerivativeFinancialInstrumentsDerivativeNotionalValues">
  </calculationLink>
  <calculationLink xlink:type="extended" xlink:role="http://www.navientcorp.com/taxonomy/role/DisclosureDerivativeFinancialInstrumentsImpactOfDerivativesOnConsolidatedStatementsOfIncome">
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_ChangeInUnrealizedGainLossOnHedgedItemInFairValueHedge1" xlink:label="us-gaap_ChangeInUnrealizedGainLossOnHedgedItemInFairValueHedge1"/>
    <loc xlink:type="locator" xlink:href="navi-20160630.xsd#navi_DerivativeInstrumentsRealizedGainLossNet" xlink:label="navi_DerivativeInstrumentsRealizedGainLossNet"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_GainLossOnDerivativeInstrumentsNetPretax" xlink:label="us-gaap_GainLossOnDerivativeInstrumentsNetPretax"/>
    <loc xlink:type="locator" xlink:href="navi-20160630.xsd#navi_GainLossOnDerivativesGross" xlink:label="navi_GainLossOnDerivativesGross"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_GainLossOnSaleOfDerivatives" xlink:label="us-gaap_GainLossOnSaleOfDerivatives"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_UnrealizedGainLossOnDerivatives" xlink:label="us-gaap_UnrealizedGainLossOnDerivatives"/>
    <loc xlink:type="locator" xlink:href="navi-20160630.xsd#navi_UnrealizedGainLossOnDerivativesNet" xlink:label="navi_UnrealizedGainLossOnDerivativesNet"/>
    <loc xlink:type="locator" xlink:href="navi-20160630.xsd#navi_UnrealizedGainLossOnHedgedItemNet" xlink:label="navi_UnrealizedGainLossOnHedgedItemNet"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_GainLossOnDerivativeInstrumentsNetPretax" xlink:to="navi_UnrealizedGainLossOnDerivativesNet" order="1.0400" weight="1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_GainLossOnDerivativeInstrumentsNetPretax" xlink:to="navi_DerivativeInstrumentsRealizedGainLossNet" order="1.0500" weight="1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_GainLossOnDerivativeInstrumentsNetPretax" xlink:to="navi_UnrealizedGainLossOnHedgedItemNet" order="1.0600" weight="1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="navi_GainLossOnDerivativesGross" xlink:to="us-gaap_UnrealizedGainLossOnDerivatives" order="1.0100" weight="1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="navi_GainLossOnDerivativesGross" xlink:to="us-gaap_GainLossOnSaleOfDerivatives" order="1.0200" weight="1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="navi_GainLossOnDerivativesGross" xlink:to="us-gaap_ChangeInUnrealizedGainLossOnHedgedItemInFairValueHedge1" order="1.0300" weight="1.00" priority="2" use="optional"/>
  </calculationLink>
  <calculationLink xlink:type="extended" xlink:role="http://www.navientcorp.com/taxonomy/role/DisclosureDerivativeFinancialInstrumentsCollateralHeldAndPledged">
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_DerivativeAssetFairValueOfCollateral" xlink:label="us-gaap_DerivativeAssetFairValueOfCollateral"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_DerivativeCollateralObligationToReturnCash" xlink:label="us-gaap_DerivativeCollateralObligationToReturnCash"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_DerivativeCollateralObligationToReturnSecurities" xlink:label="us-gaap_DerivativeCollateralObligationToReturnSecurities"/>
    <loc xlink:type="locator" xlink:href="navi-20160630.xsd#navi_SecuritiesFairValueOnBalanceSheetSecuritizationDerivatives" xlink:label="navi_SecuritiesFairValueOnBalanceSheetSecuritizationDerivatives"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_DerivativeAssetFairValueOfCollateral" xlink:to="us-gaap_DerivativeCollateralObligationToReturnCash" order="1.0100" weight="1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_DerivativeAssetFairValueOfCollateral" xlink:to="us-gaap_DerivativeCollateralObligationToReturnSecurities" order="1.0200" weight="1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_DerivativeAssetFairValueOfCollateral" xlink:to="navi_SecuritiesFairValueOnBalanceSheetSecuritizationDerivatives" order="1.0300" weight="1.00" priority="2" use="optional"/>
  </calculationLink>
  <calculationLink xlink:type="extended" xlink:role="http://www.navientcorp.com/taxonomy/role/DisclosureDerivativeFinancialInstrumentsCollateralHeldAndPledgedParenthetical">
  </calculationLink>
  <calculationLink xlink:type="extended" xlink:role="http://www.navientcorp.com/taxonomy/role/DisclosureOtherAssetsScheduleOfOtherAssets">
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_AccountsReceivableNet" xlink:label="us-gaap_AccountsReceivableNet"/>
    <loc xlink:type="locator" xlink:href="navi-20160630.xsd#navi_BenefitAndInsuranceRelatedInvestments" xlink:label="navi_BenefitAndInsuranceRelatedInvestments"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_DeferredIncomeTaxesAndOtherTaxReceivableCurrent" xlink:label="us-gaap_DeferredIncomeTaxesAndOtherTaxReceivableCurrent"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_DerivativeAssets" xlink:label="us-gaap_DerivativeAssets"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_InterestReceivable" xlink:label="us-gaap_InterestReceivable"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_LoansAndLeasesReceivableNetReportedAmount" xlink:label="us-gaap_LoansAndLeasesReceivableNetReportedAmount"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_OtherAssets" xlink:label="us-gaap_OtherAssets"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_OtherAssetsMiscellaneous" xlink:label="us-gaap_OtherAssetsMiscellaneous"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_PropertyPlantAndEquipmentNet" xlink:label="us-gaap_PropertyPlantAndEquipmentNet"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_OtherAssets" xlink:to="us-gaap_InterestReceivable" order="1.0100" weight="1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_OtherAssets" xlink:to="us-gaap_DerivativeAssets" order="1.0200" weight="1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_OtherAssets" xlink:to="us-gaap_DeferredIncomeTaxesAndOtherTaxReceivableCurrent" order="1.0300" weight="1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_OtherAssets" xlink:to="navi_BenefitAndInsuranceRelatedInvestments" order="1.0400" weight="1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_OtherAssets" xlink:to="us-gaap_PropertyPlantAndEquipmentNet" order="1.0500" weight="1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_OtherAssets" xlink:to="us-gaap_AccountsReceivableNet" order="1.0600" weight="1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_OtherAssets" xlink:to="us-gaap_LoansAndLeasesReceivableNetReportedAmount" order="1.0700" weight="1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_OtherAssets" xlink:to="us-gaap_OtherAssetsMiscellaneous" order="1.0800" weight="1.00" priority="2" use="optional"/>
  </calculationLink>
  <calculationLink xlink:type="extended" xlink:role="http://www.navientcorp.com/taxonomy/role/DisclosureBusinessCombinationsAcquisitionOfGilaLLCAndXtendHealthcareAdditionalInformation">
  </calculationLink>
  <calculationLink xlink:type="extended" xlink:role="http://www.navientcorp.com/taxonomy/role/DisclosureStockholdersEquityCommonShareRepurchasesAndIssuances">
  </calculationLink>
  <calculationLink xlink:type="extended" xlink:role="http://www.navientcorp.com/taxonomy/role/DisclosureStockholdersEquityAdditionalInformation">
  </calculationLink>
  <calculationLink xlink:type="extended" xlink:role="http://www.navientcorp.com/taxonomy/role/DisclosureEarningsPerCommonShareScheduleOfEarningsPerCommonShare">
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_WeightedAverageNumberDilutedSharesOutstandingAdjustment" xlink:label="us-gaap_WeightedAverageNumberDilutedSharesOutstandingAdjustment"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding" xlink:label="us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_WeightedAverageNumberOfSharesOutstandingBasic" xlink:label="us-gaap_WeightedAverageNumberOfSharesOutstandingBasic"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding" xlink:to="us-gaap_WeightedAverageNumberOfSharesOutstandingBasic" order="1.0100" weight="1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding" xlink:to="us-gaap_WeightedAverageNumberDilutedSharesOutstandingAdjustment" order="1.0300" weight="1.00" priority="2" use="optional"/>
  </calculationLink>
  <calculationLink xlink:type="extended" xlink:role="http://www.navientcorp.com/taxonomy/role/DisclosureEarningsPerCommonShareScheduleOfEarningsPerCommonShareParenthetical">
  </calculationLink>
  <calculationLink xlink:type="extended" xlink:role="http://www.navientcorp.com/taxonomy/role/DisclosureFairValueMeasurementsValuationOfFinancialInstrumentsThatAreMarkedtoMarketOnRecurringBasis">
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_AssetsFairValueDisclosure" xlink:label="us-gaap_AssetsFairValueDisclosure"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_AvailableForSaleSecurities" xlink:label="us-gaap_AvailableForSaleSecurities"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_DerivativeFairValueOfDerivativeAsset" xlink:label="us-gaap_DerivativeFairValueOfDerivativeAsset"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_AssetsFairValueDisclosure" xlink:to="us-gaap_AvailableForSaleSecurities" order="1.0100" weight="1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_AssetsFairValueDisclosure" xlink:to="us-gaap_DerivativeFairValueOfDerivativeAsset" order="1.0500" weight="1.00" priority="2" use="optional"/>
  </calculationLink>
  <calculationLink xlink:type="extended" xlink:role="http://www.navientcorp.com/taxonomy/role/DisclosureFairValueMeasurementsChangeInBalanceSheetCarryingValueAssociatedWithLevel3FinancialInstrumentsCarriedAtFairValueOnRecurringBasis">
  </calculationLink>
  <calculationLink xlink:type="extended" xlink:role="http://www.navientcorp.com/taxonomy/role/DisclosureFairValueMeasurementsIncludedInEarnings">
  </calculationLink>
  <calculationLink xlink:type="extended" xlink:role="http://www.navientcorp.com/taxonomy/role/DisclosureFairValueMeasurementsUnobservableDataUsedInRecurringValuationsOfLevel3">
  </calculationLink>
  <calculationLink xlink:type="extended" xlink:role="http://www.navientcorp.com/taxonomy/role/DisclosureFairValueMeasurementsFairValuesOfFinancialAssetsAndLiabilitiesIncludingDerivativeFinancialInstruments">
    <loc xlink:type="locator" xlink:href="navi-20160630.xsd#navi_EarningAssets" xlink:label="navi_EarningAssets"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_FinancialLiabilitiesFairValueDisclosure" xlink:label="us-gaap_FinancialLiabilitiesFairValueDisclosure"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_InvestmentsAndCash" xlink:label="us-gaap_InvestmentsAndCash"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_LoansReceivableNet" xlink:label="us-gaap_LoansReceivableNet"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_LongTermDebtFairValue" xlink:label="us-gaap_LongTermDebtFairValue"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_ShorttermDebtFairValue" xlink:label="us-gaap_ShorttermDebtFairValue"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="navi_EarningAssets" xlink:to="us-gaap_LoansReceivableNet" order="1.0100" weight="1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="navi_EarningAssets" xlink:to="us-gaap_InvestmentsAndCash" order="1.0200" weight="1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_FinancialLiabilitiesFairValueDisclosure" xlink:to="us-gaap_ShorttermDebtFairValue" order="1.0600" weight="1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_FinancialLiabilitiesFairValueDisclosure" xlink:to="us-gaap_LongTermDebtFairValue" order="1.0700" weight="1.00" priority="2" use="optional"/>
  </calculationLink>
  <calculationLink xlink:type="extended" xlink:role="http://www.navientcorp.com/taxonomy/role/DisclosureFairValueMeasurementsFairValuesOfFinancialAssetsAndLiabilitiesIncludingDerivativeFinancialInstrumentsParenthetical">
  </calculationLink>
  <calculationLink xlink:type="extended" xlink:role="http://www.navientcorp.com/taxonomy/role/DisclosureCommitmentsAndContingenciesAdditionalInformation">
  </calculationLink>
  <calculationLink xlink:type="extended" xlink:role="http://www.navientcorp.com/taxonomy/role/DisclosureSegmentReportingAssetInformationForLoansSegment">
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_Assets" xlink:label="us-gaap_Assets"/>
    <loc xlink:type="locator" xlink:href="navi-20160630.xsd#navi_CashAndInvestmentsIncludingRestrictedCashAndInvestments" xlink:label="navi_CashAndInvestmentsIncludingRestrictedCashAndInvestments"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_LoansReceivableNet" xlink:label="us-gaap_LoansReceivableNet"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_OtherAssets" xlink:label="us-gaap_OtherAssets"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_Assets" xlink:to="us-gaap_LoansReceivableNet" order="1.0100" weight="1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_Assets" xlink:to="navi_CashAndInvestmentsIncludingRestrictedCashAndInvestments" order="1.0200" weight="1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_Assets" xlink:to="us-gaap_OtherAssets" order="1.0300" weight="1.00" priority="2" use="optional"/>
  </calculationLink>
  <calculationLink xlink:type="extended" xlink:role="http://www.navientcorp.com/taxonomy/role/DisclosureSegmentReportingAdditionalInformation">
  </calculationLink>
  <calculationLink xlink:type="extended" xlink:role="http://www.navientcorp.com/taxonomy/role/DisclosureSegmentReportingSegmentResultsAndReconciliationsToGAAP">
    <loc xlink:type="locator" xlink:href="navi-20160630.xsd#navi_AssetRecoveryAndBusinessProcessingRevenue" xlink:label="navi_AssetRecoveryAndBusinessProcessingRevenue"/>
    <loc xlink:type="locator" xlink:href="navi-20160630.xsd#navi_CorporateOverheadExpenses" xlink:label="navi_CorporateOverheadExpenses"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_DirectOperatingCosts" xlink:label="us-gaap_DirectOperatingCosts"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_GainLossOnRepurchaseOfDebtInstrument" xlink:label="us-gaap_GainLossOnRepurchaseOfDebtInstrument"/>
    <loc xlink:type="locator" xlink:href="navi-20160630.xsd#navi_GainsLossesOnSalesOfLoansAndSecuritiesNet" xlink:label="navi_GainsLossesOnSalesOfLoansAndSecuritiesNet"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_NoninterestIncome" xlink:label="us-gaap_NoninterestIncome"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_OperatingExpenses" xlink:label="us-gaap_OperatingExpenses"/>
    <loc xlink:type="locator" xlink:href="navi-20160630.xsd#navi_OtherIncomeLossAndGainLossOnDerivatives" xlink:label="navi_OtherIncomeLossAndGainLossOnDerivatives"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_ServicingFeesNet" xlink:label="us-gaap_ServicingFeesNet"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_NoninterestIncome" xlink:to="us-gaap_ServicingFeesNet" order="1.0900" weight="1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_NoninterestIncome" xlink:to="navi_AssetRecoveryAndBusinessProcessingRevenue" order="1.1000" weight="1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_NoninterestIncome" xlink:to="navi_OtherIncomeLossAndGainLossOnDerivatives" order="1.1100" weight="1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_NoninterestIncome" xlink:to="navi_GainsLossesOnSalesOfLoansAndSecuritiesNet" order="1.1200" weight="1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_NoninterestIncome" xlink:to="us-gaap_GainLossOnRepurchaseOfDebtInstrument" order="1.1300" weight="1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_OperatingExpenses" xlink:to="us-gaap_DirectOperatingCosts" order="1.1500" weight="1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_OperatingExpenses" xlink:to="navi_CorporateOverheadExpenses" order="1.1600" weight="1.00" priority="2" use="optional"/>
  </calculationLink>
  <calculationLink xlink:type="extended" xlink:role="http://www.navientcorp.com/taxonomy/role/DisclosureSegmentReportingSegmentResultAndReconciliationsToGAAPCoreEarningsAdjustments">
    <loc xlink:type="locator" xlink:href="navi-20160630.xsd#navi_CoreEarningsAdjustmentsToGaap" xlink:label="navi_CoreEarningsAdjustmentsToGaap"/>
    <loc xlink:type="locator" xlink:href="navi-20160630.xsd#navi_GoodwillAndAcquiredIntangibleAssetsImpairmentAndAmortizationExpense" xlink:label="navi_GoodwillAndAcquiredIntangibleAssetsImpairmentAndAmortizationExpense"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss" xlink:label="us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_NoninterestIncome" xlink:label="us-gaap_NoninterestIncome"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_OperatingExpenses" xlink:label="us-gaap_OperatingExpenses"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_RestructuringCharges" xlink:label="us-gaap_RestructuringCharges"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="navi_CoreEarningsAdjustmentsToGaap" xlink:to="us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss" order="1.0100" weight="1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="navi_CoreEarningsAdjustmentsToGaap" xlink:to="us-gaap_NoninterestIncome" order="1.0200" weight="1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="navi_CoreEarningsAdjustmentsToGaap" xlink:to="us-gaap_OperatingExpenses" order="1.0300" weight="-1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="navi_CoreEarningsAdjustmentsToGaap" xlink:to="navi_GoodwillAndAcquiredIntangibleAssetsImpairmentAndAmortizationExpense" order="1.0400" weight="-1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="navi_CoreEarningsAdjustmentsToGaap" xlink:to="us-gaap_RestructuringCharges" order="1.0500" weight="-1.00" priority="2" use="optional"/>
  </calculationLink>
  <calculationLink xlink:type="extended" xlink:role="http://www.navientcorp.com/taxonomy/role/DisclosureSegmentReportingCoreEarningsAdjustmentsToGAAP">
    <loc xlink:type="locator" xlink:href="navi-20160630.xsd#navi_CoreEarningsAdjustmentsToGaap" xlink:label="navi_CoreEarningsAdjustmentsToGaap"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_IncomeTaxExpenseBenefit" xlink:label="us-gaap_IncomeTaxExpenseBenefit"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2016/elts/us-gaap-2016-01-31.xsd#us-gaap_NetIncomeLoss" xlink:label="us-gaap_NetIncomeLoss"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_NetIncomeLoss" xlink:to="us-gaap_IncomeTaxExpenseBenefit" order="1.0100" weight="-1.00" priority="2" use="optional"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_NetIncomeLoss" xlink:to="navi_CoreEarningsAdjustmentsToGaap" order="1.0200" weight="1.00" priority="2" use="optional"/>
  </calculationLink>
  <calculationLink xlink:type="extended" xlink:role="http://www.navientcorp.com/taxonomy/role/DisclosureSegmentReportingCoreEarningsAdjustmentsToGAAPParenthetical">
  </calculationLink>
  <calculationLink xlink:type="extended" xlink:role="http://www.navientcorp.com/taxonomy/role/NotesToFinancialStatementsSignificantAccountingPoliciesTextBlock">
  </calculationLink>
  <calculationLink xlink:type="extended" xlink:role="http://www.navientcorp.com/taxonomy/role/NotesToFinancialStatementsSignificantAccountingPoliciesTextBlockPolicies">
  </calculationLink>
  <calculationLink xlink:type="extended" xlink:role="http://www.navientcorp.com/taxonomy/role/NotesToFinancialStatementsAllowanceForCreditLossesTextBlock">
  </calculationLink>
  <calculationLink xlink:type="extended" xlink:role="http://www.navientcorp.com/taxonomy/role/NotesToFinancialStatementsAllowanceForCreditLossesTextBlockTables">
  </calculationLink>
  <calculationLink xlink:type="extended" xlink:role="http://www.navientcorp.com/taxonomy/role/NotesToFinancialStatementsDebtDisclosureTextBlock">
  </calculationLink>
  <calculationLink xlink:type="extended" xlink:role="http://www.navientcorp.com/taxonomy/role/NotesToFinancialStatementsDebtDisclosureTextBlockTables">
  </calculationLink>
  <calculationLink xlink:type="extended" xlink:role="http://www.navientcorp.com/taxonomy/role/NotesToFinancialStatementsDerivativeInstrumentsAndHedgingActivitiesDisclosureTextBlock">
  </calculationLink>
  <calculationLink xlink:type="extended" xlink:role="http://www.navientcorp.com/taxonomy/role/NotesToFinancialStatementsDerivativeInstrumentsAndHedgingActivitiesDisclosureTextBlockTables">
  </calculationLink>
  <calculationLink xlink:type="extended" xlink:role="http://www.navientcorp.com/taxonomy/role/NotesToFinancialStatementsOtherAssetsDisclosureTextBlock">
  </calculationLink>
  <calculationLink xlink:type="extended" xlink:role="http://www.navientcorp.com/taxonomy/role/NotesToFinancialStatementsOtherAssetsDisclosureTextBlockTables">
  </calculationLink>
  <calculationLink xlink:type="extended" xlink:role="http://www.navientcorp.com/taxonomy/role/NotesToFinancialStatementsBusinessCombinationDisclosureTextBlock">
  </calculationLink>
  <calculationLink xlink:type="extended" xlink:role="http://www.navientcorp.com/taxonomy/role/NotesToFinancialStatementsStockholdersEquityNoteDisclosureTextBlock">
  </calculationLink>
  <calculationLink xlink:type="extended" xlink:role="http://www.navientcorp.com/taxonomy/role/NotesToFinancialStatementsStockholdersEquityNoteDisclosureTextBlockTables">
  </calculationLink>
  <calculationLink xlink:type="extended" xlink:role="http://www.navientcorp.com/taxonomy/role/NotesToFinancialStatementsEarningsPerShareTextBlock">
  </calculationLink>
  <calculationLink xlink:type="extended" xlink:role="http://www.navientcorp.com/taxonomy/role/NotesToFinancialStatementsEarningsPerShareTextBlockTables">
  </calculationLink>
  <calculationLink xlink:type="extended" xlink:role="http://www.navientcorp.com/taxonomy/role/NotesToFinancialStatementsFairValueMeasurementInputsDisclosureTextBlock">
  </calculationLink>
  <calculationLink xlink:type="extended" xlink:role="http://www.navientcorp.com/taxonomy/role/NotesToFinancialStatementsFairValueMeasurementInputsDisclosureTextBlockTables">
  </calculationLink>
  <calculationLink xlink:type="extended" xlink:role="http://www.navientcorp.com/taxonomy/role/NotesToFinancialStatementsCommitmentsAndContingenciesDisclosureTextBlock">
  </calculationLink>
  <calculationLink xlink:type="extended" xlink:role="http://www.navientcorp.com/taxonomy/role/NotesToFinancialStatementsSegmentReportingDisclosureTextBlock">
  </calculationLink>
  <calculationLink xlink:type="extended" xlink:role="http://www.navientcorp.com/taxonomy/role/NotesToFinancialStatementsSegmentReportingDisclosureTextBlockTables">
  </calculationLink>
</linkbase>
