From a Navient surrogate at Seeking Alpha:
Navient is the largest private servicer of student loans, and that business will continue to expand.
The company consistently provides value to shareholders, and will continue to do so through its corporate vision.
Navient is growing its business in the loan refinancing sector, which will provide greater future cash flows.
Its economy of scale will allow the company to further capture market share in loan provisioning at low costs.
https://seekingalpha.com/article/4211113-optimism-navient-brief-overview