<SEC-DOCUMENT>0000000000-22-004672.txt : 20221104
<SEC-HEADER>0000000000-22-004672.hdr.sgml : 20221104
<ACCEPTANCE-DATETIME>20220429143002
<PRIVATE-TO-PUBLIC>
ACCESSION NUMBER:		0000000000-22-004672
CONFORMED SUBMISSION TYPE:	UPLOAD
PUBLIC DOCUMENT COUNT:		2
FILED AS OF DATE:		20220429

FILED FOR:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			NAVIENT CORP
		CENTRAL INDEX KEY:			0001593538
		STANDARD INDUSTRIAL CLASSIFICATION:	SECURITY BROKERS, DEALERS & FLOTATION COMPANIES [6211]
		IRS NUMBER:				464054283
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		UPLOAD

	BUSINESS ADDRESS:	
		STREET 1:		123 JUSTISON STREET
		STREET 2:		SUITE 300
		CITY:			WILMINGTON
		STATE:			DE
		ZIP:			19801
		BUSINESS PHONE:		302-283-8000

	MAIL ADDRESS:	
		STREET 1:		123 JUSTISON STREET
		STREET 2:		SUITE 300
		CITY:			WILMINGTON
		STATE:			DE
		ZIP:			19801

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	New Corp
		DATE OF NAME CHANGE:	20131205
</SEC-HEADER>
<DOCUMENT>
<TYPE>LETTER
<SEQUENCE>1
<FILENAME>filename1.pdf
<TEXT>
<PDF>
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<TEXT>
United States securities and exchange commission logo





                            April 29, 2022

       Joe Fisher
       Chief Financial Officer
       NAVIENT CORP
       123 Justison Street
       Wilmington, DE 19801

                                                        Re: NAVIENT CORP
                                                            Form 10-K for the
Fiscal Year Ended December 31, 2021
                                                            Filed February 25,
2022
                                                            File No. 001-36228

       Dear Mr. Fisher:

              We have limited our review of your filing to the financial
statements and related
       disclosures and have the following comments. In some of our comments, we
may ask you to
       provide us with information so we may better understand your disclosure.

              Please respond to these comments within ten business days by
providing the requested
       information or advise us as soon as possible when you will respond. If
you do not believe our
       comments apply to your facts and circumstances, please tell us why in
your response.

                                                        After reviewing your
response to these comments, we may have additional comments.

       Form 10-K for the fiscal period ending December 31, 2021

       Note 4. Allowance for Loan Losses, page F-27

   1.                                                   We note your accounting
policy on pages F-16     F-17 related to the allowance for loan
                                                        losses. Please tell us
how your allowance excluding expected recoveries on charged-off
                                                        loans complies with the
guidance in ASC 326-20-50-13 as amended by ASU 2019-04.
   2.                                                   Tell us how your
accounting for expected recoveries of amounts previously written off
                                                        and expected to be
written off complies with the guidance in ASC 326-20-30-1, including
                                                        that it should not
exceed the aggregate of amounts previously written off and expected to
                                                        be written off.

   3.                                                   Tell us how you
considered Question 100.04 of Non-GAAP C&D   s and Rule 100(b) of
                                                        Regulation G as the
allowance at the end of the period excluding expected future
                                                        recoveries on
charged-off loans appears to be a tailored accounting measurement.
 Joe Fisher
NAVIENT CORP
April 29, 2022
Page 2

       In closing, we remind you that the company and its management are
responsible for the
accuracy and adequacy of their disclosures, notwithstanding any review,
comments, action or
absence of action by the staff.

      You may contact Dave Irving at (202) 551-3321 or Michelle Miller at (202)
551-
3368 with any questions.



FirstName LastNameJoe Fisher                              Sincerely,
Comapany NameNAVIENT CORP
                                                          Division of
Corporation Finance
April 29, 2022 Page 2                                     Office of Finance
FirstName LastName
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