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  <element name="HedgeAccountingAdjustmentsMember" id="navi_HedgeAccountingAdjustmentsMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="InstallmentPaymentsClaimsAndOther" id="navi_InstallmentPaymentsClaimsAndOther" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="InterestReceivableAndPayableAndOtherAssets" id="navi_InterestReceivableAndPayableAndOtherAssets" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="LoansAndLeasesReceivableGrossCarryingAmountPercent" id="navi_LoansAndLeasesReceivableGrossCarryingAmountPercent" type="num:percentItemType" abstract="false" xbrli:periodType="instant" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="LoansGrossPlusReceivableForPartiallyChargedOffLoans" id="navi_LoansGrossPlusReceivableForPartiallyChargedOffLoans" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="LoansInRepayment" id="navi_LoansInRepayment" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="LoansInRepaymentAndPercentageOfEachStatusAbstract" id="navi_LoansInRepaymentAndPercentageOfEachStatusAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="LoansReceivableAndInvestmentsFairValueDisclosure" id="navi_LoansReceivableAndInvestmentsFairValueDisclosure" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="LoansReceivableForPartiallyChargedOffLoans" id="navi_LoansReceivableForPartiallyChargedOffLoans" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="LoansReceivableForPartiallyChargedOffLoansMember" id="navi_LoansReceivableForPartiallyChargedOffLoansMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="LoanStatusForbearanceRecordedInvestment" id="navi_LoanStatusForbearanceRecordedInvestment" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="NetChargeOffsAsPercentageOfAverageLoansInRepayment" id="navi_NetChargeOffsAsPercentageOfAverageLoansInRepayment" type="num:percentItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="NetImpactOfDerivativeAccountingMember" id="navi_NetImpactOfDerivativeAccountingMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="NetImpactOfGoodwillAndAcquiredIntangiblesMember" id="navi_NetImpactOfGoodwillAndAcquiredIntangiblesMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="NonCosignerLoanMember" id="navi_NonCosignerLoanMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="NoninterestIncomeExpensesOtherOperatingIncomeExpenses" id="navi_NoninterestIncomeExpensesOtherOperatingIncomeExpenses" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="NonTraditionalLoanMember" id="navi_NonTraditionalLoanMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="NumberOfClassesOfLoans" id="navi_NumberOfClassesOfLoans" type="xbrli:integerItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="OriginalFicoScoreAtForProfitSchoolsToBecomeEligibleForNonTraditionalLoans" id="navi_OriginalFicoScoreAtForProfitSchoolsToBecomeEligibleForNonTraditionalLoans" type="xbrli:integerItemType" abstract="false" xbrli:periodType="instant" nillable="true" substitutionGroup="xbrli:item"/>
  <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="PaymentDefaultPeriodForTroubledDebtRestructurings" id="navi_PaymentDefaultPeriodForTroubledDebtRestructurings" type="us-types:durationStringItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="PercentageOfLoansGrantedForbearanceThatMigratedToTroubledDebtRestructuringClassification" id="navi_PercentageOfLoansGrantedForbearanceThatMigratedToTroubledDebtRestructuringClassification" type="num:percentItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="PrimeLiborBasisSwapsMember" id="navi_PrimeLiborBasisSwapsMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="PrivateEducationLoanSecuritizationsMember" id="navi_PrivateEducationLoanSecuritizationsMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="PrivateEducationLoanSecuritizationsRepurchaseFacilityMember" id="navi_PrivateEducationLoanSecuritizationsRepurchaseFacilityMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="PrivateEducationLoansMember" id="navi_PrivateEducationLoansMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="PrivateEducationLoansNonTraditionalMember" id="navi_PrivateEducationLoansNonTraditionalMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="PrivateEducationLoansOtherFacilitiesMember" id="navi_PrivateEducationLoansOtherFacilitiesMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="PrivateEducationLoansSegmentMember" id="navi_PrivateEducationLoansSegmentMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="PrivateEducationLoansTraditionalMember" id="navi_PrivateEducationLoansTraditionalMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="ReceivableForPartiallyChargedOffLoansTableTextBlock" id="navi_ReceivableForPartiallyChargedOffLoansTableTextBlock" type="nonnum:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="ReclassificationsMember" id="navi_ReclassificationsMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="ReductionOfEducationLoansAbstract" id="navi_ReductionOfEducationLoansAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="RepaymentsMember" id="navi_RepaymentsMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="SchoolFicoMember" id="navi_SchoolFicoMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="SchoolGraceDefermentMember" id="navi_SchoolGraceDefermentMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="SeasoningMoreThanFortyEightMember" id="navi_SeasoningMoreThanFortyEightMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="SeasoningNotYetInRepaymentMember" id="navi_SeasoningNotYetInRepaymentMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="SeasoningOneThruTwelveMember" id="navi_SeasoningOneThruTwelveMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="SeasoningThirteenThruTwentyFourMember" id="navi_SeasoningThirteenThruTwentyFourMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="SeasoningThirtySevenThruFortyEightMember" id="navi_SeasoningThirtySevenThruFortyEightMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="SeasoningTwentyFiveThruThirtySixMember" id="navi_SeasoningTwentyFiveThruThirtySixMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" 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="SLMBankMember" id="navi_SLMBankMember" type="nonnum:domainItemType" abstract="true" 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="SummaryOfSignificantAccountingPoliciesLineItems" id="navi_SummaryOfSignificantAccountingPoliciesLineItems" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="SummaryOfSignificantAccountingPoliciesTable" id="navi_SummaryOfSignificantAccountingPoliciesTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem"/>
  <element name="TraditionalLoanMember" id="navi_TraditionalLoanMember" type="nonnum:domainItemType" abstract="true" xbrli:periodType="duration" 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="UnrealizedGainsOrLossesOnDerivativeAndHedgingActivities" id="navi_UnrealizedGainsOrLossesOnDerivativeAndHedgingActivities" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item"/>
</schema>
