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  <element name="DerivativeAssetAtFairValueIncludingAccruedInterest" id="navi_DerivativeAssetAtFairValueIncludingAccruedInterest" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item"/>
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  <element name="FfelpStaffordLoansMember" id="navi_FfelpStaffordLoansMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
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  <element name="FinancingReceivableRecordedInvestmentInSchoolGraceAndDefermentLoan" id="navi_FinancingReceivableRecordedInvestmentInSchoolGraceAndDefermentLoan" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item"/>
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  <element name="FinancingReceivables61To90DaysPastDueMember" id="navi_FinancingReceivables61To90DaysPastDueMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="FinancingReceivables90DaysPastDueMember" id="navi_FinancingReceivables90DaysPastDueMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
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  <element name="GainsLossesOnSalesOfLoansAndSecuritiesNet" id="navi_GainsLossesOnSalesOfLoansAndSecuritiesNet" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item"/>
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  <element name="GoodwillAndAcquiredIntangibleAssetsImpairmentAndAmortizationExpense" id="navi_GoodwillAndAcquiredIntangibleAssetsImpairmentAndAmortizationExpense" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="GrossPositionsWithoutImpactOfMasterNettingAgreementsTableTextBlock" id="navi_GrossPositionsWithoutImpactOfMasterNettingAgreementsTableTextBlock" type="nonnum:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
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  <element name="LoansAndLeasesReceivableAllowancesAbstract" id="navi_LoansAndLeasesReceivableAllowancesAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
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  <element name="LoansGrossPlusReceivableForPartiallyChargedOffLoans" id="navi_LoansGrossPlusReceivableForPartiallyChargedOffLoans" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item"/>
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  <element name="NoninterestIncomeExpensesOtherOperatingIncomeExpenses" id="navi_NoninterestIncomeExpensesOtherOperatingIncomeExpenses" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item"/>
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  <element name="NumberOfCounterpartiesWithRightToTerminate" id="navi_NumberOfCounterpartiesWithRightToTerminate" type="xbrli:integerItemType" abstract="false" xbrli:periodType="instant" nillable="true" substitutionGroup="xbrli:item"/>
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  <element name="OtherBorrowingsMember" id="navi_OtherBorrowingsMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="OtherIncomeLossAndGainLossOnDerivatives" id="navi_OtherIncomeLossAndGainLossOnDerivatives" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="OtherLoansMember" id="navi_OtherLoansMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="PaymentDefaultPeriodForTroubledDebtRestructurings" id="navi_PaymentDefaultPeriodForTroubledDebtRestructurings" type="us-types:durationStringItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
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  <element name="PrimeLiborBasisSwapsMember" id="navi_PrimeLiborBasisSwapsMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
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  <element name="PrivateEducationLoanSecuritizationsRepurchaseFacilityMember" id="navi_PrivateEducationLoanSecuritizationsRepurchaseFacilityMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
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  <element name="SchoolFicoMember" id="navi_SchoolFicoMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="SeasoningBasedOnMonthlyScheduledPaymentsDueFromMoreThanFortyEightPayments" id="navi_SeasoningBasedOnMonthlyScheduledPaymentsDueFromMoreThanFortyEightPayments" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item"/>
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  <element name="SeasoningBasedOnMonthlyScheduledPaymentsDueFromNotYetInRepayment" id="navi_SeasoningBasedOnMonthlyScheduledPaymentsDueFromNotYetInRepayment" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item"/>
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  <element name="SeasoningBasedOnMonthlyScheduledPaymentsDueFromOneToTwelvePayments" id="navi_SeasoningBasedOnMonthlyScheduledPaymentsDueFromOneToTwelvePayments" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item"/>
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  <element name="SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirteenToTwentyFourPayments" id="navi_SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirteenToTwentyFourPayments" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirteenToTwentyFourPaymentsInPercent" id="navi_SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirteenToTwentyFourPaymentsInPercent" type="num:percentItemType" abstract="false" xbrli:periodType="instant" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirtySevenToFortyEightPayments" id="navi_SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirtySevenToFortyEightPayments" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirtySevenToFortyEightPaymentsInPercent" id="navi_SeasoningBasedOnMonthlyScheduledPaymentsDueFromThirtySevenToFortyEightPaymentsInPercent" type="num:percentItemType" abstract="false" xbrli:periodType="instant" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="SeasoningBasedOnMonthlyScheduledPaymentsDueFromTwentyFiveToThirtySixPayments" id="navi_SeasoningBasedOnMonthlyScheduledPaymentsDueFromTwentyFiveToThirtySixPayments" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="SeasoningBasedOnMonthlyScheduledPaymentsDueFromTwentyFiveToThirtySixPaymentsInPercent" id="navi_SeasoningBasedOnMonthlyScheduledPaymentsDueFromTwentyFiveToThirtySixPaymentsInPercent" type="num:percentItemType" abstract="false" xbrli:periodType="instant" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="SecuritiesFairValueOnBalanceSheetSecuritizationDerivatives" id="navi_SecuritiesFairValueOnBalanceSheetSecuritizationDerivatives" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="SegmentResultsAndReconciliationsToGaapTableTextBlock" id="navi_SegmentResultsAndReconciliationsToGaapTableTextBlock" type="nonnum:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="SeniorUnsecuredDebtMember" id="navi_SeniorUnsecuredDebtMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="SharesPaidForTaxWithholdingForShareBasedCompensationAverageCostPerShare" id="navi_SharesPaidForTaxWithholdingForShareBasedCompensationAverageCostPerShare" type="num:perShareItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="SignificantInputsAxis" id="navi_SignificantInputsAxis" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:dimensionItem"/>
  <element name="SignificantInputsDomain" id="navi_SignificantInputsDomain" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="SLMBankMember" id="navi_SLMBankMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="SpinOffTransactionSeparationDistributionAgreementDate" id="navi_SpinOffTransactionSeparationDistributionAgreementDate" type="xbrli:dateItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="SummaryOfCoreEarningsAdjustmentsToGaapAbstract" id="navi_SummaryOfCoreEarningsAdjustmentsToGaapAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="SummaryOfCoreEarningsAdjustmentsToGaapTableTextBlock" id="navi_SummaryOfCoreEarningsAdjustmentsToGaapTableTextBlock" type="nonnum:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="TraditionalLoans" id="navi_TraditionalLoans" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="TraditionalLoansInPercent" id="navi_TraditionalLoansInPercent" type="num:percentItemType" abstract="false" xbrli:periodType="instant" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="TroubledDebtRestructuringLoansMember" id="navi_TroubledDebtRestructuringLoansMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="UnrealizedGainLossOnDerivativesNet" id="navi_UnrealizedGainLossOnDerivativesNet" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="UnrealizedGainLossOnHedgedItemNet" id="navi_UnrealizedGainLossOnHedgedItemNet" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="UnrealizedGainsOrLossesOnDerivativeAndHedgingActivities" id="navi_UnrealizedGainsOrLossesOnDerivativeAndHedgingActivities" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="XtendHealthcareMember" id="navi_XtendHealthcareMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
</schema>
