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<!-- Created: Tue Jun 23 20:29:02 UTC 2026 -->
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="navi_AdditionsAbstract_lbl" xml:lang="en-US">Additions</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="navi_AdditionsAbstract" xlink:to="navi_AdditionsAbstract_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseDecreaseForIncomeLossOnInvestmentAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2025/ebp/elts/us-gaap-ebp-2025.xsd#us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseDecreaseForIncomeLossOnInvestmentAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseDecreaseForIncomeLossOnInvestmentAbstract_lbl" xml:lang="en-US">Investment income:</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseDecreaseForIncomeLossOnInvestmentAbstract" xlink:to="us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseDecreaseForIncomeLossOnInvestmentAbstract_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseDecreaseForGainLossOnInvestment" xlink:href="https://xbrl.fasb.org/us-gaap/2025/ebp/elts/us-gaap-ebp-2025.xsd#us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseDecreaseForGainLossOnInvestment"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseDecreaseForGainLossOnInvestment_lbl" xml:lang="en-US">Net appreciation in fair value of investments</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseDecreaseForGainLossOnInvestment" xlink:to="us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseDecreaseForGainLossOnInvestment_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseForInterestAndDividendIncomeOnInvestment" xlink:href="https://xbrl.fasb.org/us-gaap/2025/ebp/elts/us-gaap-ebp-2025.xsd#us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseForInterestAndDividendIncomeOnInvestment"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseForInterestAndDividendIncomeOnInvestment_lbl" xml:lang="en-US">Dividends and interest</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseForInterestAndDividendIncomeOnInvestment" xlink:to="us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseForInterestAndDividendIncomeOnInvestment_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseDecreaseForOtherIncomeLossOnInvestment" xlink:href="https://xbrl.fasb.org/us-gaap/2025/ebp/elts/us-gaap-ebp-2025.xsd#us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseDecreaseForOtherIncomeLossOnInvestment"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseDecreaseForOtherIncomeLossOnInvestment_lbl" xml:lang="en-US">Other income</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseDecreaseForOtherIncomeLossOnInvestment" xlink:to="us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseDecreaseForOtherIncomeLossOnInvestment_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseForInterestIncomeOnNoteReceivableFromParticipant" xlink:href="https://xbrl.fasb.org/us-gaap/2025/ebp/elts/us-gaap-ebp-2025.xsd#us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseForInterestIncomeOnNoteReceivableFromParticipant"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseForInterestIncomeOnNoteReceivableFromParticipant_lbl" xml:lang="en-US">Interest on notes receivable from participants</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseForInterestIncomeOnNoteReceivableFromParticipant" xlink:to="us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseForInterestIncomeOnNoteReceivableFromParticipant_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseForContributionAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2025/ebp/elts/us-gaap-ebp-2025.xsd#us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseForContributionAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseForContributionAbstract_lbl" xml:lang="en-US">Contributions:</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseForContributionAbstract" xlink:to="us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseForContributionAbstract_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseForEmployerContributionCash" xlink:href="https://xbrl.fasb.org/us-gaap/2025/ebp/elts/us-gaap-ebp-2025.xsd#us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseForEmployerContributionCash"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseForEmployerContributionCash_lbl" xml:lang="en-US">Employer</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseForEmployerContributionCash" xlink:to="us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseForEmployerContributionCash_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseForParticipantContributionExcludingRollover" xlink:href="https://xbrl.fasb.org/us-gaap/2025/ebp/elts/us-gaap-ebp-2025.xsd#us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseForParticipantContributionExcludingRollover"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseForParticipantContributionExcludingRollover_lbl" xml:lang="en-US">Participant</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseForParticipantContributionExcludingRollover" xlink:to="us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseForParticipantContributionExcludingRollover_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseForParticipantContributionRollover" xlink:href="https://xbrl.fasb.org/us-gaap/2025/ebp/elts/us-gaap-ebp-2025.xsd#us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseForParticipantContributionRollover"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseForParticipantContributionRollover_lbl" xml:lang="en-US">Rollover</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseForParticipantContributionRollover" xlink:to="us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseForParticipantContributionRollover_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitDecreaseAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2025/ebp/elts/us-gaap-ebp-2025.xsd#us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitDecreaseAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitDecreaseAbstract_lbl" xml:lang="en-US">Deductions</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitDecreaseAbstract" xlink:to="us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitDecreaseAbstract_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitDecreaseForPaymentToParticipant" xlink:href="https://xbrl.fasb.org/us-gaap/2025/ebp/elts/us-gaap-ebp-2025.xsd#us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitDecreaseForPaymentToParticipant"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitDecreaseForPaymentToParticipant_lbl" xml:lang="en-US">Benefits paid to participants</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitDecreaseForPaymentToParticipant" xlink:to="us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitDecreaseForPaymentToParticipant_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitDecreaseForAdministrativeExpense" xlink:href="https://xbrl.fasb.org/us-gaap/2025/ebp/elts/us-gaap-ebp-2025.xsd#us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitDecreaseForAdministrativeExpense"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitDecreaseForAdministrativeExpense_lbl" xml:lang="en-US">Administrative expenses</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitDecreaseForAdministrativeExpense" xlink:to="us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitDecreaseForAdministrativeExpense_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitTransferToFromExternalPlan" xlink:href="https://xbrl.fasb.org/us-gaap/2025/ebp/elts/us-gaap-ebp-2025.xsd#us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitTransferToFromExternalPlan"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitTransferToFromExternalPlan_lbl" xml:lang="en-US">Transfers to other plans (see Note 1)</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitTransferToFromExternalPlan" xlink:to="us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitTransferToFromExternalPlan_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseDecreaseAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2025/ebp/elts/us-gaap-ebp-2025.xsd#us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseDecreaseAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseDecreaseAbstract_lbl" xml:lang="en-US">Net assets available for benefits:</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseDecreaseAbstract" xlink:to="us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseDecreaseAbstract_lbl"/>
    <loc xlink:type="locator" xlink:label="navi_EBP001Member" xlink:href="navi-20251231.xsd#navi_EBP001Member"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="navi_EBP001Member_lbl" xml:lang="en-US">Navient 401(k) Savings Plan [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="navi_EBP001Member" xlink:to="navi_EBP001Member_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap-ebp_EmployeeBenefitPlanDescriptionOfPlanTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2025/ebp/elts/us-gaap-ebp-2025.xsd#us-gaap-ebp_EmployeeBenefitPlanDescriptionOfPlanTextBlock"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap-ebp_EmployeeBenefitPlanDescriptionOfPlanTextBlock_lbl" xml:lang="en-US">Plan Description</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap-ebp_EmployeeBenefitPlanDescriptionOfPlanTextBlock" xlink:to="us-gaap-ebp_EmployeeBenefitPlanDescriptionOfPlanTextBlock_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap-ebp_EmployeeBenefitPlanSummaryOfAccountingPolicyTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2025/ebp/elts/us-gaap-ebp-2025.xsd#us-gaap-ebp_EmployeeBenefitPlanSummaryOfAccountingPolicyTextBlock"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap-ebp_EmployeeBenefitPlanSummaryOfAccountingPolicyTextBlock_lbl" xml:lang="en-US">Summary of Significant Accounting Policies</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap-ebp_EmployeeBenefitPlanSummaryOfAccountingPolicyTextBlock" xlink:to="us-gaap-ebp_EmployeeBenefitPlanSummaryOfAccountingPolicyTextBlock_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap-ebp_EmployeeBenefitPlanInvestmentFairValueAndNavTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2025/ebp/elts/us-gaap-ebp-2025.xsd#us-gaap-ebp_EmployeeBenefitPlanInvestmentFairValueAndNavTextBlock"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap-ebp_EmployeeBenefitPlanInvestmentFairValueAndNavTextBlock_lbl" xml:lang="en-US">Fair Value Measurements</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap-ebp_EmployeeBenefitPlanInvestmentFairValueAndNavTextBlock" xlink:to="us-gaap-ebp_EmployeeBenefitPlanInvestmentFairValueAndNavTextBlock_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap-ebp_EmployeeBenefitPlanInvestmentFairValueAndNavTableTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2025/ebp/elts/us-gaap-ebp-2025.xsd#us-gaap-ebp_EmployeeBenefitPlanInvestmentFairValueAndNavTableTextBlock"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap-ebp_EmployeeBenefitPlanInvestmentFairValueAndNavTableTextBlock_lbl" xml:lang="en-US">Statements of Net Assets Available for Benefits Measured at Fair Value</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap-ebp_EmployeeBenefitPlanInvestmentFairValueAndNavTableTextBlock" xlink:to="us-gaap-ebp_EmployeeBenefitPlanInvestmentFairValueAndNavTableTextBlock_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap-ebp_EmployeeBenefitPlanPlanTerminationTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2025/ebp/elts/us-gaap-ebp-2025.xsd#us-gaap-ebp_EmployeeBenefitPlanPlanTerminationTextBlock"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap-ebp_EmployeeBenefitPlanPlanTerminationTextBlock_lbl" xml:lang="en-US">Plan Termination</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap-ebp_EmployeeBenefitPlanPlanTerminationTextBlock" xlink:to="us-gaap-ebp_EmployeeBenefitPlanPlanTerminationTextBlock_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap-ebp_EmployeeBenefitPlanRelatedPartyAndPartyInInterestTransactionsTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2025/ebp/elts/us-gaap-ebp-2025.xsd#us-gaap-ebp_EmployeeBenefitPlanRelatedPartyAndPartyInInterestTransactionsTextBlock"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap-ebp_EmployeeBenefitPlanRelatedPartyAndPartyInInterestTransactionsTextBlock_lbl" xml:lang="en-US">Related-Party Transactions and Party-In-Interest Transactions</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap-ebp_EmployeeBenefitPlanRelatedPartyAndPartyInInterestTransactionsTextBlock" xlink:to="us-gaap-ebp_EmployeeBenefitPlanRelatedPartyAndPartyInInterestTransactionsTextBlock_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap-ebp_EmployeeBenefitPlanTaxStatusTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2025/ebp/elts/us-gaap-ebp-2025.xsd#us-gaap-ebp_EmployeeBenefitPlanTaxStatusTextBlock"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap-ebp_EmployeeBenefitPlanTaxStatusTextBlock_lbl" xml:lang="en-US">Income Tax Status</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap-ebp_EmployeeBenefitPlanTaxStatusTextBlock" xlink:to="us-gaap-ebp_EmployeeBenefitPlanTaxStatusTextBlock_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap-ebp_EmployeeBenefitPlanSubsequentEventTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2025/ebp/elts/us-gaap-ebp-2025.xsd#us-gaap-ebp_EmployeeBenefitPlanSubsequentEventTextBlock"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap-ebp_EmployeeBenefitPlanSubsequentEventTextBlock_lbl" xml:lang="en-US">Subsequent Events</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap-ebp_EmployeeBenefitPlanSubsequentEventTextBlock" xlink:to="us-gaap-ebp_EmployeeBenefitPlanSubsequentEventTextBlock_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap-ebp_EmployeeBenefitPlanScheduleOfAssetHeldForInvestmentTableTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2025/ebp/elts/us-gaap-ebp-2025.xsd#us-gaap-ebp_EmployeeBenefitPlanScheduleOfAssetHeldForInvestmentTableTextBlock"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap-ebp_EmployeeBenefitPlanScheduleOfAssetHeldForInvestmentTableTextBlock_lbl" xml:lang="en-US">Schedule H, Line 4i - Schedule of Assets (Held at End of Year)</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap-ebp_EmployeeBenefitPlanScheduleOfAssetHeldForInvestmentTableTextBlock" xlink:to="us-gaap-ebp_EmployeeBenefitPlanScheduleOfAssetHeldForInvestmentTableTextBlock_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap-ebp_EmployeeBenefitPlanInvestmentIssuerNameExtensibleEnumeration" xlink:href="https://xbrl.fasb.org/us-gaap/2025/ebp/elts/us-gaap-ebp-2025.xsd#us-gaap-ebp_EmployeeBenefitPlanInvestmentIssuerNameExtensibleEnumeration"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap-ebp_EmployeeBenefitPlanInvestmentIssuerNameExtensibleEnumeration_lbl" xml:lang="en-US">Identity of issuer, borrower, or similar entity</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap-ebp_EmployeeBenefitPlanInvestmentIssuerNameExtensibleEnumeration" xlink:to="us-gaap-ebp_EmployeeBenefitPlanInvestmentIssuerNameExtensibleEnumeration_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap-ebp_EmployeeBenefitPlanInvestmentTypeExtensibleEnumeration" xlink:href="https://xbrl.fasb.org/us-gaap/2025/ebp/elts/us-gaap-ebp-2025.xsd#us-gaap-ebp_EmployeeBenefitPlanInvestmentTypeExtensibleEnumeration"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap-ebp_EmployeeBenefitPlanInvestmentTypeExtensibleEnumeration_lbl" xml:lang="en-US">Description of Investment</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap-ebp_EmployeeBenefitPlanInvestmentTypeExtensibleEnumeration" xlink:to="us-gaap-ebp_EmployeeBenefitPlanInvestmentTypeExtensibleEnumeration_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap-ebp_EmployeeBenefitPlanAssetHeldForInvestmentPlanInterestInMasterTrustParticipationStatusExtensibleEnumeration" xlink:href="https://xbrl.fasb.org/us-gaap/2025/ebp/elts/us-gaap-ebp-2025.xsd#us-gaap-ebp_EmployeeBenefitPlanAssetHeldForInvestmentPlanInterestInMasterTrustParticipationStatusExtensibleEnumeration"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap-ebp_EmployeeBenefitPlanAssetHeldForInvestmentPlanInterestInMasterTrustParticipationStatusExtensibleEnumeration_lbl" xml:lang="en-US">Participation status</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap-ebp_EmployeeBenefitPlanAssetHeldForInvestmentPlanInterestInMasterTrustParticipationStatusExtensibleEnumeration" xlink:to="us-gaap-ebp_EmployeeBenefitPlanAssetHeldForInvestmentPlanInterestInMasterTrustParticipationStatusExtensibleEnumeration_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap-ebp_EmployeeBenefitPlanAssetHeldForInvestmentInvestmentExcludingPlanInterestInMasterTrustCurrentValue" xlink:href="https://xbrl.fasb.org/us-gaap/2025/ebp/elts/us-gaap-ebp-2025.xsd#us-gaap-ebp_EmployeeBenefitPlanAssetHeldForInvestmentInvestmentExcludingPlanInterestInMasterTrustCurrentValue"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap-ebp_EmployeeBenefitPlanAssetHeldForInvestmentInvestmentExcludingPlanInterestInMasterTrustCurrentValue_lbl" xml:lang="en-US">Current value</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap-ebp_EmployeeBenefitPlanAssetHeldForInvestmentInvestmentExcludingPlanInterestInMasterTrustCurrentValue" xlink:to="us-gaap-ebp_EmployeeBenefitPlanAssetHeldForInvestmentInvestmentExcludingPlanInterestInMasterTrustCurrentValue_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap-ebp_EmployeeBenefitPlanAssetHeldForInvestmentPartyInInterest" xlink:href="https://xbrl.fasb.org/us-gaap/2025/ebp/elts/us-gaap-ebp-2025.xsd#us-gaap-ebp_EmployeeBenefitPlanAssetHeldForInvestmentPartyInInterest"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap-ebp_EmployeeBenefitPlanAssetHeldForInvestmentPartyInInterest_lbl" xml:lang="en-US">Party-in-interest</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap-ebp_EmployeeBenefitPlanAssetHeldForInvestmentPartyInInterest" xlink:to="us-gaap-ebp_EmployeeBenefitPlanAssetHeldForInvestmentPartyInInterest_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap-ebp_EmployeeBenefitPlanAssetHeldForInvestmentParticipantLoanAfterDeemedDistribution" xlink:href="https://xbrl.fasb.org/us-gaap/2025/ebp/elts/us-gaap-ebp-2025.xsd#us-gaap-ebp_EmployeeBenefitPlanAssetHeldForInvestmentParticipantLoanAfterDeemedDistribution"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap-ebp_EmployeeBenefitPlanAssetHeldForInvestmentParticipantLoanAfterDeemedDistribution_lbl" xml:lang="en-US">Plan participants</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap-ebp_EmployeeBenefitPlanAssetHeldForInvestmentParticipantLoanAfterDeemedDistribution" xlink:to="us-gaap-ebp_EmployeeBenefitPlanAssetHeldForInvestmentParticipantLoanAfterDeemedDistribution_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap-ebp_EmployeeBenefitPlanAssetHeldForInvestment" xlink:href="https://xbrl.fasb.org/us-gaap/2025/ebp/elts/us-gaap-ebp-2025.xsd#us-gaap-ebp_EmployeeBenefitPlanAssetHeldForInvestment"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap-ebp_EmployeeBenefitPlanAssetHeldForInvestment_lbl" xml:lang="en-US">Total</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap-ebp_EmployeeBenefitPlanAssetHeldForInvestment" xlink:to="us-gaap-ebp_EmployeeBenefitPlanAssetHeldForInvestment_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap-ebp_EmployeeBenefitPlanParticipantLoanInterestRate" xlink:href="https://xbrl.fasb.org/us-gaap/2025/ebp/elts/us-gaap-ebp-2025.xsd#us-gaap-ebp_EmployeeBenefitPlanParticipantLoanInterestRate"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap-ebp_EmployeeBenefitPlanParticipantLoanInterestRate_lbl" xml:lang="en-US">Participant Loans, interest rate</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap-ebp_EmployeeBenefitPlanParticipantLoanInterestRate" xlink:to="us-gaap-ebp_EmployeeBenefitPlanParticipantLoanInterestRate_lbl"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap-ebp_EmployeeBenefitPlanParticipantLoanInterestRate_lbl0" xml:lang="en-US">Interest rate on loans</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap-ebp_EmployeeBenefitPlanParticipantLoanInterestRate" xlink:to="us-gaap-ebp_EmployeeBenefitPlanParticipantLoanInterestRate_lbl0"/>
    <loc xlink:type="locator" xlink:label="us-gaap_MutualFundMember" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_MutualFundMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_MutualFundMember_lbl" xml:lang="en-US">Mutual Funds [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_MutualFundMember" xlink:to="us-gaap_MutualFundMember_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap-ebp_EmployeeBenefitPlanEmployerCommonStockFundMember" xlink:href="https://xbrl.fasb.org/us-gaap/2025/ebp/elts/us-gaap-ebp-2025.xsd#us-gaap-ebp_EmployeeBenefitPlanEmployerCommonStockFundMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap-ebp_EmployeeBenefitPlanEmployerCommonStockFundMember_lbl" xml:lang="en-US">Common Stock Fund [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap-ebp_EmployeeBenefitPlanEmployerCommonStockFundMember" xlink:to="us-gaap-ebp_EmployeeBenefitPlanEmployerCommonStockFundMember_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap-ebp_EmployeeBenefitPlanSelfDirectedBrokerageAccountMember" xlink:href="https://xbrl.fasb.org/us-gaap/2025/ebp/elts/us-gaap-ebp-2025.xsd#us-gaap-ebp_EmployeeBenefitPlanSelfDirectedBrokerageAccountMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap-ebp_EmployeeBenefitPlanSelfDirectedBrokerageAccountMember_lbl" xml:lang="en-US">Self-directed Brokerage Account [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap-ebp_EmployeeBenefitPlanSelfDirectedBrokerageAccountMember" xlink:to="us-gaap-ebp_EmployeeBenefitPlanSelfDirectedBrokerageAccountMember_lbl"/>
    <loc xlink:type="locator" xlink:label="navi_InvestmentsInFairValueHierarchyMember" xlink:href="navi-20251231.xsd#navi_InvestmentsInFairValueHierarchyMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="navi_InvestmentsInFairValueHierarchyMember_lbl" xml:lang="en-US">Investments In Fair Value Hierarchy [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="navi_InvestmentsInFairValueHierarchyMember" xlink:to="navi_InvestmentsInFairValueHierarchyMember_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_DefinedBenefitPlanCommonCollectiveTrustMember" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DefinedBenefitPlanCommonCollectiveTrustMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_DefinedBenefitPlanCommonCollectiveTrustMember_lbl" xml:lang="en-US">Common Collective Trust [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DefinedBenefitPlanCommonCollectiveTrustMember" xlink:to="us-gaap_DefinedBenefitPlanCommonCollectiveTrustMember_lbl"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_DefinedBenefitPlanCommonCollectiveTrustMember_lbl0" xml:lang="en-US">Common Collective Funds [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DefinedBenefitPlanCommonCollectiveTrustMember" xlink:to="us-gaap_DefinedBenefitPlanCommonCollectiveTrustMember_lbl0"/>
    <loc xlink:type="locator" xlink:label="us-gaap_FairValueInputsLevel1Member" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueInputsLevel1Member"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_FairValueInputsLevel1Member_lbl" xml:lang="en-US">Level 1 [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueInputsLevel1Member" xlink:to="us-gaap_FairValueInputsLevel1Member_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_FairValueInputsLevel2Member" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueInputsLevel2Member"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_FairValueInputsLevel2Member_lbl" xml:lang="en-US">Level 2 [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueInputsLevel2Member" xlink:to="us-gaap_FairValueInputsLevel2Member_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_FairValueInputsLevel3Member" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueInputsLevel3Member"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_FairValueInputsLevel3Member_lbl" xml:lang="en-US">Level 3 [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueInputsLevel3Member" xlink:to="us-gaap_FairValueInputsLevel3Member_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_InvestmentIdentifierAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InvestmentIdentifierAxis"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_InvestmentIdentifierAxis_lbl" xml:lang="en-US">Investment, Identifier [Axis]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_InvestmentIdentifierAxis" xlink:to="us-gaap_InvestmentIdentifierAxis_lbl"/>
    <loc xlink:type="locator" xlink:label="navi_EmployeeBenefitPlanParticipantMember" xlink:href="navi-20251231.xsd#navi_EmployeeBenefitPlanParticipantMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="navi_EmployeeBenefitPlanParticipantMember_lbl" xml:lang="en-US">Employee Benefit Plan Participant [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="navi_EmployeeBenefitPlanParticipantMember" xlink:to="navi_EmployeeBenefitPlanParticipantMember_lbl"/>
    <loc xlink:type="locator" xlink:label="srt_MinimumMember" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_MinimumMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="srt_MinimumMember_lbl" xml:lang="en-US">Minimum [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="srt_MinimumMember" xlink:to="srt_MinimumMember_lbl"/>
    <loc xlink:type="locator" xlink:label="srt_MaximumMember" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_MaximumMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="srt_MaximumMember_lbl" xml:lang="en-US">Maximum [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="srt_MaximumMember" xlink:to="srt_MaximumMember_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap-ebp_EmployeeBenefitPlanAccountingPolicyAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2025/ebp/elts/us-gaap-ebp-2025.xsd#us-gaap-ebp_EmployeeBenefitPlanAccountingPolicyAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap-ebp_EmployeeBenefitPlanAccountingPolicyAbstract_lbl" xml:lang="en-US">EBP, Accounting Policy, Accounting Standard Update, and Change in Accounting Principle [Abstract]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap-ebp_EmployeeBenefitPlanAccountingPolicyAbstract" xlink:to="us-gaap-ebp_EmployeeBenefitPlanAccountingPolicyAbstract_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap-ebp_EmployeeBenefitPlanDescriptionAvailable" xlink:href="https://xbrl.fasb.org/us-gaap/2025/ebp/elts/us-gaap-ebp-2025.xsd#us-gaap-ebp_EmployeeBenefitPlanDescriptionAvailable"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap-ebp_EmployeeBenefitPlanDescriptionAvailable_lbl" xml:lang="en-US">EBP, Description, Available [true false]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap-ebp_EmployeeBenefitPlanDescriptionAvailable" xlink:to="us-gaap-ebp_EmployeeBenefitPlanDescriptionAvailable_lbl"/>
    <loc xlink:type="locator" xlink:label="navi_EmployeeBenefitPlanDefinedContributionPlanHoursOfServiceRequirement" xlink:href="navi-20251231.xsd#navi_EmployeeBenefitPlanDefinedContributionPlanHoursOfServiceRequirement"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="navi_EmployeeBenefitPlanDefinedContributionPlanHoursOfServiceRequirement_lbl" xml:lang="en-US">Employee service (in Hours) (in Hours)</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="navi_EmployeeBenefitPlanDefinedContributionPlanHoursOfServiceRequirement" xlink:to="navi_EmployeeBenefitPlanDefinedContributionPlanHoursOfServiceRequirement_lbl"/>
    <loc xlink:type="locator" xlink:label="navi_EmployeeBenefitPlanNumberOfEmployeesTransferred" xlink:href="navi-20251231.xsd#navi_EmployeeBenefitPlanNumberOfEmployeesTransferred"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="navi_EmployeeBenefitPlanNumberOfEmployeesTransferred_lbl" xml:lang="en-US">Number of employees transferred (in Employee)</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="navi_EmployeeBenefitPlanNumberOfEmployeesTransferred" xlink:to="navi_EmployeeBenefitPlanNumberOfEmployeesTransferred_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap-ebp_EmployeeBenefitPlanEmployerContributionParticipantCompensationMatchedPercentage" xlink:href="https://xbrl.fasb.org/us-gaap/2025/ebp/elts/us-gaap-ebp-2025.xsd#us-gaap-ebp_EmployeeBenefitPlanEmployerContributionParticipantCompensationMatchedPercentage"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap-ebp_EmployeeBenefitPlanEmployerContributionParticipantCompensationMatchedPercentage_lbl" xml:lang="en-US">Percentage of participant contribution</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap-ebp_EmployeeBenefitPlanEmployerContributionParticipantCompensationMatchedPercentage" xlink:to="us-gaap-ebp_EmployeeBenefitPlanEmployerContributionParticipantCompensationMatchedPercentage_lbl"/>
    <loc xlink:type="locator" xlink:label="navi_EmployeeBenefitPlanParticipantAgeLimitToParticipateInPlan" xlink:href="navi-20251231.xsd#navi_EmployeeBenefitPlanParticipantAgeLimitToParticipateInPlan"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="navi_EmployeeBenefitPlanParticipantAgeLimitToParticipateInPlan_lbl" xml:lang="en-US">Employee age limit to participate in plan (in Age)</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="navi_EmployeeBenefitPlanParticipantAgeLimitToParticipateInPlan" xlink:to="navi_EmployeeBenefitPlanParticipantAgeLimitToParticipateInPlan_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap-ebp_EmployeeBenefitPlanParticipantContributionAutomaticDeferralRate" xlink:href="https://xbrl.fasb.org/us-gaap/2025/ebp/elts/us-gaap-ebp-2025.xsd#us-gaap-ebp_EmployeeBenefitPlanParticipantContributionAutomaticDeferralRate"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap-ebp_EmployeeBenefitPlanParticipantContributionAutomaticDeferralRate_lbl" xml:lang="en-US">Percentage of participants contribution</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap-ebp_EmployeeBenefitPlanParticipantContributionAutomaticDeferralRate" xlink:to="us-gaap-ebp_EmployeeBenefitPlanParticipantContributionAutomaticDeferralRate_lbl"/>
    <loc xlink:type="locator" xlink:label="navi_EmployeeBenefitPlanIncreaseInAutomaticDeferralRateEachYear" xlink:href="navi-20251231.xsd#navi_EmployeeBenefitPlanIncreaseInAutomaticDeferralRateEachYear"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="navi_EmployeeBenefitPlanIncreaseInAutomaticDeferralRateEachYear_lbl" xml:lang="en-US">Percentage of increase in participants contribution each year</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="navi_EmployeeBenefitPlanIncreaseInAutomaticDeferralRateEachYear" xlink:to="navi_EmployeeBenefitPlanIncreaseInAutomaticDeferralRateEachYear_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap-ebp_EmployeeBenefitPlanParticipantContributionPretaxMaximumAnnualCompensationToTotalCompensationPercentage" xlink:href="https://xbrl.fasb.org/us-gaap/2025/ebp/elts/us-gaap-ebp-2025.xsd#us-gaap-ebp_EmployeeBenefitPlanParticipantContributionPretaxMaximumAnnualCompensationToTotalCompensationPercentage"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap-ebp_EmployeeBenefitPlanParticipantContributionPretaxMaximumAnnualCompensationToTotalCompensationPercentage_lbl" xml:lang="en-US">Maximum employee contribution of eligible compensation</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap-ebp_EmployeeBenefitPlanParticipantContributionPretaxMaximumAnnualCompensationToTotalCompensationPercentage" xlink:to="us-gaap-ebp_EmployeeBenefitPlanParticipantContributionPretaxMaximumAnnualCompensationToTotalCompensationPercentage_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap-ebp_EbpRiskAndUncertaintyConcentrationOfInvestmentBenchmarkThresholdPercentage" xlink:href="https://xbrl.fasb.org/us-gaap/2025/ebp/elts/us-gaap-ebp-2025.xsd#us-gaap-ebp_EbpRiskAndUncertaintyConcentrationOfInvestmentBenchmarkThresholdPercentage"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap-ebp_EbpRiskAndUncertaintyConcentrationOfInvestmentBenchmarkThresholdPercentage_lbl" xml:lang="en-US">Participant contribution, threshold limit</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap-ebp_EbpRiskAndUncertaintyConcentrationOfInvestmentBenchmarkThresholdPercentage" xlink:to="us-gaap-ebp_EbpRiskAndUncertaintyConcentrationOfInvestmentBenchmarkThresholdPercentage_lbl"/>
    <loc xlink:type="locator" xlink:label="navi_EmployeeBenefitPlanServicePeriodOfParticipantsToBeEligibleForMatchingContributionFromEmployer" xlink:href="navi-20251231.xsd#navi_EmployeeBenefitPlanServicePeriodOfParticipantsToBeEligibleForMatchingContributionFromEmployer"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="navi_EmployeeBenefitPlanServicePeriodOfParticipantsToBeEligibleForMatchingContributionFromEmployer_lbl" xml:lang="en-US">Period of service required for participant&apos;s for matching employer contribution</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="navi_EmployeeBenefitPlanServicePeriodOfParticipantsToBeEligibleForMatchingContributionFromEmployer" xlink:to="navi_EmployeeBenefitPlanServicePeriodOfParticipantsToBeEligibleForMatchingContributionFromEmployer_lbl"/>
    <loc xlink:type="locator" xlink:label="navi_EmployeeBenefitPlanEmployerMatchingContributionToFirstFivePercentOfParticipantsCompensation" xlink:href="navi-20251231.xsd#navi_EmployeeBenefitPlanEmployerMatchingContributionToFirstFivePercentOfParticipantsCompensation"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="navi_EmployeeBenefitPlanEmployerMatchingContributionToFirstFivePercentOfParticipantsCompensation_lbl" xml:lang="en-US">Employer matching contribution for first five percent of participant&apos;s compensation</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="navi_EmployeeBenefitPlanEmployerMatchingContributionToFirstFivePercentOfParticipantsCompensation" xlink:to="navi_EmployeeBenefitPlanEmployerMatchingContributionToFirstFivePercentOfParticipantsCompensation_lbl"/>
    <loc xlink:type="locator" xlink:label="navi_EmployeeBenefitPlanMaximumPercentageOfParticipantsEligibleForOneHundredPercentageOfEmployerMatchingContribution" xlink:href="navi-20251231.xsd#navi_EmployeeBenefitPlanMaximumPercentageOfParticipantsEligibleForOneHundredPercentageOfEmployerMatchingContribution"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="navi_EmployeeBenefitPlanMaximumPercentageOfParticipantsEligibleForOneHundredPercentageOfEmployerMatchingContribution_lbl" xml:lang="en-US">Percentage of participants eligible for 100% of employer matching contribution</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="navi_EmployeeBenefitPlanMaximumPercentageOfParticipantsEligibleForOneHundredPercentageOfEmployerMatchingContribution" xlink:to="navi_EmployeeBenefitPlanMaximumPercentageOfParticipantsEligibleForOneHundredPercentageOfEmployerMatchingContribution_lbl"/>
    <loc xlink:type="locator" xlink:label="navi_EmployeeBenefitPlanVestingPeriodOfServiceRequiredFromParticipantsForMatchingContributionAndRelatedEarningsFromEmployer" xlink:href="navi-20251231.xsd#navi_EmployeeBenefitPlanVestingPeriodOfServiceRequiredFromParticipantsForMatchingContributionAndRelatedEarningsFromEmployer"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="navi_EmployeeBenefitPlanVestingPeriodOfServiceRequiredFromParticipantsForMatchingContributionAndRelatedEarningsFromEmployer_lbl" xml:lang="en-US">Vesting period of service required from participants for matching contribution and related earnings from employer</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="navi_EmployeeBenefitPlanVestingPeriodOfServiceRequiredFromParticipantsForMatchingContributionAndRelatedEarningsFromEmployer" xlink:to="navi_EmployeeBenefitPlanVestingPeriodOfServiceRequiredFromParticipantsForMatchingContributionAndRelatedEarningsFromEmployer_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap-ebp_EmployeeBenefitPlanForfeitedNonvestedAccountDecreaseForEmployerContribution" xlink:href="https://xbrl.fasb.org/us-gaap/2025/ebp/elts/us-gaap-ebp-2025.xsd#us-gaap-ebp_EmployeeBenefitPlanForfeitedNonvestedAccountDecreaseForEmployerContribution"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap-ebp_EmployeeBenefitPlanForfeitedNonvestedAccountDecreaseForEmployerContribution_lbl" xml:lang="en-US">Reduction in employer contribution (in Dollars)</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap-ebp_EmployeeBenefitPlanForfeitedNonvestedAccountDecreaseForEmployerContribution" xlink:to="us-gaap-ebp_EmployeeBenefitPlanForfeitedNonvestedAccountDecreaseForEmployerContribution_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap-ebp_EmployeeBenefitPlanForfeitedNonvestedAccount" xlink:href="https://xbrl.fasb.org/us-gaap/2025/ebp/elts/us-gaap-ebp-2025.xsd#us-gaap-ebp_EmployeeBenefitPlanForfeitedNonvestedAccount"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap-ebp_EmployeeBenefitPlanForfeitedNonvestedAccount_lbl" xml:lang="en-US">Forfeited nonvested account (in Dollars)</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap-ebp_EmployeeBenefitPlanForfeitedNonvestedAccount" xlink:to="us-gaap-ebp_EmployeeBenefitPlanForfeitedNonvestedAccount_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap-ebp_EmployeeBenefitPlanNoteReceivableFromParticipantAccountMaximumBorrowingToTotalAccountPercentage" xlink:href="https://xbrl.fasb.org/us-gaap/2025/ebp/elts/us-gaap-ebp-2025.xsd#us-gaap-ebp_EmployeeBenefitPlanNoteReceivableFromParticipantAccountMaximumBorrowingToTotalAccountPercentage"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap-ebp_EmployeeBenefitPlanNoteReceivableFromParticipantAccountMaximumBorrowingToTotalAccountPercentage_lbl" xml:lang="en-US">Maximum percentage participants may borrow</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap-ebp_EmployeeBenefitPlanNoteReceivableFromParticipantAccountMaximumBorrowingToTotalAccountPercentage" xlink:to="us-gaap-ebp_EmployeeBenefitPlanNoteReceivableFromParticipantAccountMaximumBorrowingToTotalAccountPercentage_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap-ebp_EmployeeBenefitPlanNoteReceivableFromParticipantAccountMaximumBorrowingAmount" xlink:href="https://xbrl.fasb.org/us-gaap/2025/ebp/elts/us-gaap-ebp-2025.xsd#us-gaap-ebp_EmployeeBenefitPlanNoteReceivableFromParticipantAccountMaximumBorrowingAmount"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap-ebp_EmployeeBenefitPlanNoteReceivableFromParticipantAccountMaximumBorrowingAmount_lbl" xml:lang="en-US">Participants maximum borrowings amount (in Dollars)</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap-ebp_EmployeeBenefitPlanNoteReceivableFromParticipantAccountMaximumBorrowingAmount" xlink:to="us-gaap-ebp_EmployeeBenefitPlanNoteReceivableFromParticipantAccountMaximumBorrowingAmount_lbl"/>
    <loc xlink:type="locator" xlink:label="navi_EmployeeBenefitPlanMaximumNumberOfLoansOutstanding" xlink:href="navi-20251231.xsd#navi_EmployeeBenefitPlanMaximumNumberOfLoansOutstanding"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="navi_EmployeeBenefitPlanMaximumNumberOfLoansOutstanding_lbl" xml:lang="en-US">Maximum number of loans outstanding (in Loan)</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="navi_EmployeeBenefitPlanMaximumNumberOfLoansOutstanding" xlink:to="navi_EmployeeBenefitPlanMaximumNumberOfLoansOutstanding_lbl"/>
    <loc xlink:type="locator" xlink:label="navi_EmployeeBenefitPlanNoteReceivableFromParticipantAccountMinimumBorrowingTerm" xlink:href="navi-20251231.xsd#navi_EmployeeBenefitPlanNoteReceivableFromParticipantAccountMinimumBorrowingTerm"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="navi_EmployeeBenefitPlanNoteReceivableFromParticipantAccountMinimumBorrowingTerm_lbl" xml:lang="en-US">Notes receivable from participants, minimum term</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="navi_EmployeeBenefitPlanNoteReceivableFromParticipantAccountMinimumBorrowingTerm" xlink:to="navi_EmployeeBenefitPlanNoteReceivableFromParticipantAccountMinimumBorrowingTerm_lbl"/>
    <loc xlink:type="locator" xlink:label="navi_EmployeeBenefitPlanNoteReceivableFromParticipantAccountMaximumBorrowingTerm" xlink:href="navi-20251231.xsd#navi_EmployeeBenefitPlanNoteReceivableFromParticipantAccountMaximumBorrowingTerm"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="navi_EmployeeBenefitPlanNoteReceivableFromParticipantAccountMaximumBorrowingTerm_lbl" xml:lang="en-US">Notes receivable from participants, maximum term</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="navi_EmployeeBenefitPlanNoteReceivableFromParticipantAccountMaximumBorrowingTerm" xlink:to="navi_EmployeeBenefitPlanNoteReceivableFromParticipantAccountMaximumBorrowingTerm_lbl"/>
    <loc xlink:type="locator" xlink:label="navi_EmployeeBenefitPlanNoteReceivableFromParticipantPrincipalResidenceMaximumBorrowingTerm" xlink:href="navi-20251231.xsd#navi_EmployeeBenefitPlanNoteReceivableFromParticipantPrincipalResidenceMaximumBorrowingTerm"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="navi_EmployeeBenefitPlanNoteReceivableFromParticipantPrincipalResidenceMaximumBorrowingTerm_lbl" xml:lang="en-US">Maximum repayment term for loans, if loan used to purchase principal residence</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="navi_EmployeeBenefitPlanNoteReceivableFromParticipantPrincipalResidenceMaximumBorrowingTerm" xlink:to="navi_EmployeeBenefitPlanNoteReceivableFromParticipantPrincipalResidenceMaximumBorrowingTerm_lbl"/>
    <loc xlink:type="locator" xlink:label="navi_EmployeeBenefitPlanPartialLoanRepayment" xlink:href="navi-20251231.xsd#navi_EmployeeBenefitPlanPartialLoanRepayment"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="navi_EmployeeBenefitPlanPartialLoanRepayment_lbl" xml:lang="en-US">Partial loan repayment amount (in Dollars)</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="navi_EmployeeBenefitPlanPartialLoanRepayment" xlink:to="navi_EmployeeBenefitPlanPartialLoanRepayment_lbl"/>
    <loc xlink:type="locator" xlink:label="navi_EmployeeBenefitPlanNormalRetirement" xlink:href="navi-20251231.xsd#navi_EmployeeBenefitPlanNormalRetirement"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="navi_EmployeeBenefitPlanNormalRetirement_lbl" xml:lang="en-US">Normal retirement (in Age)</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="navi_EmployeeBenefitPlanNormalRetirement" xlink:to="navi_EmployeeBenefitPlanNormalRetirement_lbl"/>
    <loc xlink:type="locator" xlink:label="navi_EBPParticipantAccountVestedPercentageUponPlanTermination" xlink:href="navi-20251231.xsd#navi_EBPParticipantAccountVestedPercentageUponPlanTermination"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="navi_EBPParticipantAccountVestedPercentageUponPlanTermination_lbl" xml:lang="en-US">Percentage of vested plan participants</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="navi_EBPParticipantAccountVestedPercentageUponPlanTermination" xlink:to="navi_EBPParticipantAccountVestedPercentageUponPlanTermination_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap-ebp_EmployeeBenefitPlanInvestmentNumberOfShares" xlink:href="https://xbrl.fasb.org/us-gaap/2025/ebp/elts/us-gaap-ebp-2025.xsd#us-gaap-ebp_EmployeeBenefitPlanInvestmentNumberOfShares"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap-ebp_EmployeeBenefitPlanInvestmentNumberOfShares_lbl" xml:lang="en-US">Shares held (in Shares)</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap-ebp_EmployeeBenefitPlanInvestmentNumberOfShares" xlink:to="us-gaap-ebp_EmployeeBenefitPlanInvestmentNumberOfShares_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap-ebp_EmployeeBenefitPlanInvestmentPlanInterestInMasterTrustFairValue" xlink:href="https://xbrl.fasb.org/us-gaap/2025/ebp/elts/us-gaap-ebp-2025.xsd#us-gaap-ebp_EmployeeBenefitPlanInvestmentPlanInterestInMasterTrustFairValue"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap-ebp_EmployeeBenefitPlanInvestmentPlanInterestInMasterTrustFairValue_lbl" xml:lang="en-US">Estimated fair value</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap-ebp_EmployeeBenefitPlanInvestmentPlanInterestInMasterTrustFairValue" xlink:to="us-gaap-ebp_EmployeeBenefitPlanInvestmentPlanInterestInMasterTrustFairValue_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap-ebp_EmployeeBenefitPlanInvestmentNumberOfSharesPurchased" xlink:href="https://xbrl.fasb.org/us-gaap/2025/ebp/elts/us-gaap-ebp-2025.xsd#us-gaap-ebp_EmployeeBenefitPlanInvestmentNumberOfSharesPurchased"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap-ebp_EmployeeBenefitPlanInvestmentNumberOfSharesPurchased_lbl" xml:lang="en-US">Number of units purchased (in Shares)</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap-ebp_EmployeeBenefitPlanInvestmentNumberOfSharesPurchased" xlink:to="us-gaap-ebp_EmployeeBenefitPlanInvestmentNumberOfSharesPurchased_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap-ebp_EmployeeBenefitPlanInvestmentAcquiredExcludingPlanInterestInMasterTrustCost" xlink:href="https://xbrl.fasb.org/us-gaap/2025/ebp/elts/us-gaap-ebp-2025.xsd#us-gaap-ebp_EmployeeBenefitPlanInvestmentAcquiredExcludingPlanInterestInMasterTrustCost"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap-ebp_EmployeeBenefitPlanInvestmentAcquiredExcludingPlanInterestInMasterTrustCost_lbl" xml:lang="en-US">Purchase of company stock</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap-ebp_EmployeeBenefitPlanInvestmentAcquiredExcludingPlanInterestInMasterTrustCost" xlink:to="us-gaap-ebp_EmployeeBenefitPlanInvestmentAcquiredExcludingPlanInterestInMasterTrustCost_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap-ebp_EmployeeBenefitPlanInvestmentNumberOfSharesSold" xlink:href="https://xbrl.fasb.org/us-gaap/2025/ebp/elts/us-gaap-ebp-2025.xsd#us-gaap-ebp_EmployeeBenefitPlanInvestmentNumberOfSharesSold"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap-ebp_EmployeeBenefitPlanInvestmentNumberOfSharesSold_lbl" xml:lang="en-US">Number of units sold (in Shares)</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap-ebp_EmployeeBenefitPlanInvestmentNumberOfSharesSold" xlink:to="us-gaap-ebp_EmployeeBenefitPlanInvestmentNumberOfSharesSold_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap-ebp_EmployeeBenefitPlanInvestmentSoldExcludingPlanInterestInMasterTrustSellingPrice" xlink:href="https://xbrl.fasb.org/us-gaap/2025/ebp/elts/us-gaap-ebp-2025.xsd#us-gaap-ebp_EmployeeBenefitPlanInvestmentSoldExcludingPlanInterestInMasterTrustSellingPrice"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap-ebp_EmployeeBenefitPlanInvestmentSoldExcludingPlanInterestInMasterTrustSellingPrice_lbl" xml:lang="en-US">Sale of company stock</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap-ebp_EmployeeBenefitPlanInvestmentSoldExcludingPlanInterestInMasterTrustSellingPrice" xlink:to="us-gaap-ebp_EmployeeBenefitPlanInvestmentSoldExcludingPlanInterestInMasterTrustSellingPrice_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseForDividendIncomeOnInvestment" xlink:href="https://xbrl.fasb.org/us-gaap/2025/ebp/elts/us-gaap-ebp-2025.xsd#us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseForDividendIncomeOnInvestment"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseForDividendIncomeOnInvestment_lbl" xml:lang="en-US">Dividend income</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseForDividendIncomeOnInvestment" xlink:to="us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseForDividendIncomeOnInvestment_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap-ebp_EmployeeBenefitPlanTaxDeterminationLetterObtained" xlink:href="https://xbrl.fasb.org/us-gaap/2025/ebp/elts/us-gaap-ebp-2025.xsd#us-gaap-ebp_EmployeeBenefitPlanTaxDeterminationLetterObtained"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap-ebp_EmployeeBenefitPlanTaxDeterminationLetterObtained_lbl" xml:lang="en-US">Tax determination letter, obtained</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap-ebp_EmployeeBenefitPlanTaxDeterminationLetterObtained" xlink:to="us-gaap-ebp_EmployeeBenefitPlanTaxDeterminationLetterObtained_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap-ebp_EmployeeBenefitPlanTaxDeterminationLetterDate" xlink:href="https://xbrl.fasb.org/us-gaap/2025/ebp/elts/us-gaap-ebp-2025.xsd#us-gaap-ebp_EmployeeBenefitPlanTaxDeterminationLetterDate"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap-ebp_EmployeeBenefitPlanTaxDeterminationLetterDate_lbl" xml:lang="en-US">Tax determination letter date</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap-ebp_EmployeeBenefitPlanTaxDeterminationLetterDate" xlink:to="us-gaap-ebp_EmployeeBenefitPlanTaxDeterminationLetterDate_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap-ebp_EmployeeBenefitPlanTaxQualificationStatusExtensibleEnumeration" xlink:href="https://xbrl.fasb.org/us-gaap/2025/ebp/elts/us-gaap-ebp-2025.xsd#us-gaap-ebp_EmployeeBenefitPlanTaxQualificationStatusExtensibleEnumeration"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap-ebp_EmployeeBenefitPlanTaxQualificationStatusExtensibleEnumeration_lbl" xml:lang="en-US">EBP, Tax Qualification Status [Extensible Enumeration]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap-ebp_EmployeeBenefitPlanTaxQualificationStatusExtensibleEnumeration" xlink:to="us-gaap-ebp_EmployeeBenefitPlanTaxQualificationStatusExtensibleEnumeration_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap-ebp_EbpPlanName" xlink:href="https://xbrl.fasb.org/us-gaap/2025/ebp/elts/us-gaap-ebp-2025.xsd#us-gaap-ebp_EbpPlanName"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap-ebp_EbpPlanName_lbl" xml:lang="en-US">Name of Plan</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap-ebp_EbpPlanName" xlink:to="us-gaap-ebp_EbpPlanName_lbl"/>
    <loc xlink:type="locator" xlink:label="dei_EntityTaxIdentificationNumber" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityTaxIdentificationNumber"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="dei_EntityTaxIdentificationNumber_lbl" xml:lang="en-US">Employer Identification Number</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityTaxIdentificationNumber" xlink:to="dei_EntityTaxIdentificationNumber_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap-ebp_EmployeeBenefitPlanPlanNumber" xlink:href="https://xbrl.fasb.org/us-gaap/2025/ebp/elts/us-gaap-ebp-2025.xsd#us-gaap-ebp_EmployeeBenefitPlanPlanNumber"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap-ebp_EmployeeBenefitPlanPlanNumber_lbl" xml:lang="en-US">Plan Number</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap-ebp_EmployeeBenefitPlanPlanNumber" xlink:to="us-gaap-ebp_EmployeeBenefitPlanPlanNumber_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap-ebp_EmployeeBenefitPlanBasisOfAccountingPolicyTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2025/ebp/elts/us-gaap-ebp-2025.xsd#us-gaap-ebp_EmployeeBenefitPlanBasisOfAccountingPolicyTextBlock"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap-ebp_EmployeeBenefitPlanBasisOfAccountingPolicyTextBlock_lbl" xml:lang="en-US">Basis of accounting</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap-ebp_EmployeeBenefitPlanBasisOfAccountingPolicyTextBlock" xlink:to="us-gaap-ebp_EmployeeBenefitPlanBasisOfAccountingPolicyTextBlock_lbl"/>
    <loc xlink:type="locator" xlink:label="navi_EmployeeBenefitPlanFairValueMeasurementPolicyTextBlock" xlink:href="navi-20251231.xsd#navi_EmployeeBenefitPlanFairValueMeasurementPolicyTextBlock"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="navi_EmployeeBenefitPlanFairValueMeasurementPolicyTextBlock_lbl" xml:lang="en-US">Fair value measurements</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="navi_EmployeeBenefitPlanFairValueMeasurementPolicyTextBlock" xlink:to="navi_EmployeeBenefitPlanFairValueMeasurementPolicyTextBlock_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap-ebp_EmployeeBenefitPlanInvestmentPolicyTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2025/ebp/elts/us-gaap-ebp-2025.xsd#us-gaap-ebp_EmployeeBenefitPlanInvestmentPolicyTextBlock"/>
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    <loc xlink:type="locator" xlink:label="us-gaap-ebp_EmployeeBenefitPlanNoteReceivableFromParticipantPolicyTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2025/ebp/elts/us-gaap-ebp-2025.xsd#us-gaap-ebp_EmployeeBenefitPlanNoteReceivableFromParticipantPolicyTextBlock"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap-ebp_EmployeeBenefitPlanNoteReceivableFromParticipantPolicyTextBlock_lbl" xml:lang="en-US">Notes receivable from participants</label>
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    <loc xlink:type="locator" xlink:label="us-gaap-ebp_EmployeeBenefitPlanContributionPolicyTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2025/ebp/elts/us-gaap-ebp-2025.xsd#us-gaap-ebp_EmployeeBenefitPlanContributionPolicyTextBlock"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap-ebp_EmployeeBenefitPlanContributionPolicyTextBlock_lbl" xml:lang="en-US">Contributions</label>
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    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap-ebp_EbpRiskAndUncertaintyPolicyTextBlock" xlink:to="us-gaap-ebp_EbpRiskAndUncertaintyPolicyTextBlock_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap-ebp_EmployeeBenefitPlanPaymentToParticipantPolicyTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2025/ebp/elts/us-gaap-ebp-2025.xsd#us-gaap-ebp_EmployeeBenefitPlanPaymentToParticipantPolicyTextBlock"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap-ebp_EmployeeBenefitPlanPaymentToParticipantPolicyTextBlock_lbl" xml:lang="en-US">Benefit payments</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap-ebp_EmployeeBenefitPlanPaymentToParticipantPolicyTextBlock" xlink:to="us-gaap-ebp_EmployeeBenefitPlanPaymentToParticipantPolicyTextBlock_lbl"/>
    <loc xlink:type="locator" xlink:label="dei_EntityDomain" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityDomain"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityDomain_lbl" xml:lang="en-US">Entity [Domain]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityDomain" xlink:to="dei_EntityDomain_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap-ebp_EmployeeBenefitPlanStatementOfNetAssetAvailableForBenefitTable" xlink:href="https://xbrl.fasb.org/us-gaap/2025/ebp/elts/us-gaap-ebp-2025.xsd#us-gaap-ebp_EmployeeBenefitPlanStatementOfNetAssetAvailableForBenefitTable"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap-ebp_EmployeeBenefitPlanStatementOfNetAssetAvailableForBenefitTable_lbl" xml:lang="en-US">EBP, Statement of Net Asset Available for Benefit [Table]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap-ebp_EmployeeBenefitPlanStatementOfNetAssetAvailableForBenefitTable" xlink:to="us-gaap-ebp_EmployeeBenefitPlanStatementOfNetAssetAvailableForBenefitTable_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap-ebp_EmployeeBenefitPlanStatementOfNetAssetAvailableForBenefitLineItems" xlink:href="https://xbrl.fasb.org/us-gaap/2025/ebp/elts/us-gaap-ebp-2025.xsd#us-gaap-ebp_EmployeeBenefitPlanStatementOfNetAssetAvailableForBenefitLineItems"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap-ebp_EmployeeBenefitPlanStatementOfNetAssetAvailableForBenefitLineItems_lbl" xml:lang="en-US">Statements of Net Assets Available for Benefits [Abstract]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap-ebp_EmployeeBenefitPlanStatementOfNetAssetAvailableForBenefitLineItems" xlink:to="us-gaap-ebp_EmployeeBenefitPlanStatementOfNetAssetAvailableForBenefitLineItems_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap-ebp_EmployeeBenefitPlanStatementOfChangeInNetAssetAvailableForBenefitTable" xlink:href="https://xbrl.fasb.org/us-gaap/2025/ebp/elts/us-gaap-ebp-2025.xsd#us-gaap-ebp_EmployeeBenefitPlanStatementOfChangeInNetAssetAvailableForBenefitTable"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap-ebp_EmployeeBenefitPlanStatementOfChangeInNetAssetAvailableForBenefitTable_lbl" xml:lang="en-US">EBP, Statement of Change in Net Asset Available for Benefit [Table]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap-ebp_EmployeeBenefitPlanStatementOfChangeInNetAssetAvailableForBenefitTable" xlink:to="us-gaap-ebp_EmployeeBenefitPlanStatementOfChangeInNetAssetAvailableForBenefitTable_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap-ebp_EmployeeBenefitPlanStatementOfChangeInNetAssetAvailableForBenefitLineItems" xlink:href="https://xbrl.fasb.org/us-gaap/2025/ebp/elts/us-gaap-ebp-2025.xsd#us-gaap-ebp_EmployeeBenefitPlanStatementOfChangeInNetAssetAvailableForBenefitLineItems"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap-ebp_EmployeeBenefitPlanStatementOfChangeInNetAssetAvailableForBenefitLineItems_lbl" xml:lang="en-US">Statements of Changes in Net Assets Available for Benefits [Abstract]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap-ebp_EmployeeBenefitPlanStatementOfChangeInNetAssetAvailableForBenefitLineItems" xlink:to="us-gaap-ebp_EmployeeBenefitPlanStatementOfChangeInNetAssetAvailableForBenefitLineItems_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap-ebp_EmployeeBenefitPlanDescriptionOfPlanTable" xlink:href="https://xbrl.fasb.org/us-gaap/2025/ebp/elts/us-gaap-ebp-2025.xsd#us-gaap-ebp_EmployeeBenefitPlanDescriptionOfPlanTable"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap-ebp_EmployeeBenefitPlanDescriptionOfPlanTable_lbl" xml:lang="en-US">EBP, Description of Plan [Table]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap-ebp_EmployeeBenefitPlanDescriptionOfPlanTable" xlink:to="us-gaap-ebp_EmployeeBenefitPlanDescriptionOfPlanTable_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap-ebp_EmployeeBenefitPlanDescriptionOfPlanLineItems" xlink:href="https://xbrl.fasb.org/us-gaap/2025/ebp/elts/us-gaap-ebp-2025.xsd#us-gaap-ebp_EmployeeBenefitPlanDescriptionOfPlanLineItems"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap-ebp_EmployeeBenefitPlanDescriptionOfPlanLineItems_lbl" xml:lang="en-US">Plan Description [Abstract]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap-ebp_EmployeeBenefitPlanDescriptionOfPlanLineItems" xlink:to="us-gaap-ebp_EmployeeBenefitPlanDescriptionOfPlanLineItems_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap-ebp_EmployeeBenefitPlanAccountingPolicyTable" xlink:href="https://xbrl.fasb.org/us-gaap/2025/ebp/elts/us-gaap-ebp-2025.xsd#us-gaap-ebp_EmployeeBenefitPlanAccountingPolicyTable"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap-ebp_EmployeeBenefitPlanAccountingPolicyTable_lbl" xml:lang="en-US">EBP, Accounting Policy [Table]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap-ebp_EmployeeBenefitPlanAccountingPolicyTable" xlink:to="us-gaap-ebp_EmployeeBenefitPlanAccountingPolicyTable_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap-ebp_EmployeeBenefitPlanAccountingPolicyLineItems" xlink:href="https://xbrl.fasb.org/us-gaap/2025/ebp/elts/us-gaap-ebp-2025.xsd#us-gaap-ebp_EmployeeBenefitPlanAccountingPolicyLineItems"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap-ebp_EmployeeBenefitPlanAccountingPolicyLineItems_lbl" xml:lang="en-US">Summary of Significant Accounting Policies [Abstract]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap-ebp_EmployeeBenefitPlanAccountingPolicyLineItems" xlink:to="us-gaap-ebp_EmployeeBenefitPlanAccountingPolicyLineItems_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap-ebp_EmployeeBenefitPlanInvestmentFairValueAndNavTable" xlink:href="https://xbrl.fasb.org/us-gaap/2025/ebp/elts/us-gaap-ebp-2025.xsd#us-gaap-ebp_EmployeeBenefitPlanInvestmentFairValueAndNavTable"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap-ebp_EmployeeBenefitPlanInvestmentFairValueAndNavTable_lbl" xml:lang="en-US">EBP, Investment, Fair Value and NAV [Table]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap-ebp_EmployeeBenefitPlanInvestmentFairValueAndNavTable" xlink:to="us-gaap-ebp_EmployeeBenefitPlanInvestmentFairValueAndNavTable_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap-ebp_EmployeeBenefitPlanInvestmentFairValueAndNavLineItems" xlink:href="https://xbrl.fasb.org/us-gaap/2025/ebp/elts/us-gaap-ebp-2025.xsd#us-gaap-ebp_EmployeeBenefitPlanInvestmentFairValueAndNavLineItems"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap-ebp_EmployeeBenefitPlanInvestmentFairValueAndNavLineItems_lbl" xml:lang="en-US">Fair Value Measurements [Abstract]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap-ebp_EmployeeBenefitPlanInvestmentFairValueAndNavLineItems" xlink:to="us-gaap-ebp_EmployeeBenefitPlanInvestmentFairValueAndNavLineItems_lbl"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap-ebp_EmployeeBenefitPlanDescriptionOfPlanLineItems_lbl0" xml:lang="en-US">Plan Termination [Abstract]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap-ebp_EmployeeBenefitPlanDescriptionOfPlanLineItems" xlink:to="us-gaap-ebp_EmployeeBenefitPlanDescriptionOfPlanLineItems_lbl0"/>
    <loc xlink:type="locator" xlink:label="us-gaap-ebp_EmployeeBenefitPlanRelatedPartyAndPartyInInterestTransactionsTable" xlink:href="https://xbrl.fasb.org/us-gaap/2025/ebp/elts/us-gaap-ebp-2025.xsd#us-gaap-ebp_EmployeeBenefitPlanRelatedPartyAndPartyInInterestTransactionsTable"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap-ebp_EmployeeBenefitPlanRelatedPartyAndPartyInInterestTransactionsTable_lbl" xml:lang="en-US">EBP, Related Party and Party-in-Interest Transactions [Table]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap-ebp_EmployeeBenefitPlanRelatedPartyAndPartyInInterestTransactionsTable" xlink:to="us-gaap-ebp_EmployeeBenefitPlanRelatedPartyAndPartyInInterestTransactionsTable_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap-ebp_EmployeeBenefitPlanRelatedPartyAndPartyInInterestTransactionsLineItems" xlink:href="https://xbrl.fasb.org/us-gaap/2025/ebp/elts/us-gaap-ebp-2025.xsd#us-gaap-ebp_EmployeeBenefitPlanRelatedPartyAndPartyInInterestTransactionsLineItems"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap-ebp_EmployeeBenefitPlanRelatedPartyAndPartyInInterestTransactionsLineItems_lbl" xml:lang="en-US">Related-Party Transactions and Party-In-Interest Transactions [Abstract]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap-ebp_EmployeeBenefitPlanRelatedPartyAndPartyInInterestTransactionsLineItems" xlink:to="us-gaap-ebp_EmployeeBenefitPlanRelatedPartyAndPartyInInterestTransactionsLineItems_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap-ebp_EmployeeBenefitPlanTaxStatusTable" xlink:href="https://xbrl.fasb.org/us-gaap/2025/ebp/elts/us-gaap-ebp-2025.xsd#us-gaap-ebp_EmployeeBenefitPlanTaxStatusTable"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap-ebp_EmployeeBenefitPlanTaxStatusTable_lbl" xml:lang="en-US">EBP, Tax Status [Table]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap-ebp_EmployeeBenefitPlanTaxStatusTable" xlink:to="us-gaap-ebp_EmployeeBenefitPlanTaxStatusTable_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap-ebp_EmployeeBenefitPlanTaxStatusLineItems" xlink:href="https://xbrl.fasb.org/us-gaap/2025/ebp/elts/us-gaap-ebp-2025.xsd#us-gaap-ebp_EmployeeBenefitPlanTaxStatusLineItems"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap-ebp_EmployeeBenefitPlanTaxStatusLineItems_lbl" xml:lang="en-US">Income Tax Status [Abstract]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap-ebp_EmployeeBenefitPlanTaxStatusLineItems" xlink:to="us-gaap-ebp_EmployeeBenefitPlanTaxStatusLineItems_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap-ebp_EbpSubsequentEventTable" xlink:href="https://xbrl.fasb.org/us-gaap/2025/ebp/elts/us-gaap-ebp-2025.xsd#us-gaap-ebp_EbpSubsequentEventTable"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap-ebp_EbpSubsequentEventTable_lbl" xml:lang="en-US">EBP, Subsequent Event [Table]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap-ebp_EbpSubsequentEventTable" xlink:to="us-gaap-ebp_EbpSubsequentEventTable_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap-ebp_EbpSubsequentEventLineItems" xlink:href="https://xbrl.fasb.org/us-gaap/2025/ebp/elts/us-gaap-ebp-2025.xsd#us-gaap-ebp_EbpSubsequentEventLineItems"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap-ebp_EbpSubsequentEventLineItems_lbl" xml:lang="en-US">Subsequent Events [Abstract]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap-ebp_EbpSubsequentEventLineItems" xlink:to="us-gaap-ebp_EbpSubsequentEventLineItems_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap-ebp_EmployeeBenefitPlanScheduleOfAssetHeldForInvestmentTable" xlink:href="https://xbrl.fasb.org/us-gaap/2025/ebp/elts/us-gaap-ebp-2025.xsd#us-gaap-ebp_EmployeeBenefitPlanScheduleOfAssetHeldForInvestmentTable"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap-ebp_EmployeeBenefitPlanScheduleOfAssetHeldForInvestmentTable_lbl" xml:lang="en-US">EBP, Schedule of Asset Held for Investment [Table]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap-ebp_EmployeeBenefitPlanScheduleOfAssetHeldForInvestmentTable" xlink:to="us-gaap-ebp_EmployeeBenefitPlanScheduleOfAssetHeldForInvestmentTable_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap-ebp_EmployeeBenefitPlanScheduleOfAssetHeldForInvestmentLineItems" xlink:href="https://xbrl.fasb.org/us-gaap/2025/ebp/elts/us-gaap-ebp-2025.xsd#us-gaap-ebp_EmployeeBenefitPlanScheduleOfAssetHeldForInvestmentLineItems"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap-ebp_EmployeeBenefitPlanScheduleOfAssetHeldForInvestmentLineItems_lbl" xml:lang="en-US">Schedule H, Line 4i - Schedule of Assets (Held at End of Year) [Abstract]</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap-ebp_EmployeeBenefitPlanAccountingPolicyLineItems_lbl0" xml:lang="en-US">EBP, Accounting Policy [Line Items]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap-ebp_EmployeeBenefitPlanAccountingPolicyLineItems" xlink:to="us-gaap-ebp_EmployeeBenefitPlanAccountingPolicyLineItems_lbl0"/>
    <loc xlink:type="locator" xlink:label="us-gaap_InvestmentTypeCategorizationMember" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InvestmentTypeCategorizationMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_InvestmentTypeCategorizationMember_lbl" xml:lang="en-US">Investments [Domain]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_InvestmentTypeCategorizationMember" xlink:to="us-gaap_InvestmentTypeCategorizationMember_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_FairValueMeasurementsFairValueHierarchyDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FairValueMeasurementsFairValueHierarchyDomain_lbl" xml:lang="en-US">Fair Value Hierarchy and NAV [Domain]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueMeasurementsFairValueHierarchyDomain" xlink:to="us-gaap_FairValueMeasurementsFairValueHierarchyDomain_lbl"/>
    <loc xlink:type="locator" xlink:label="srt_RangeMember" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_RangeMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="srt_RangeMember_lbl" xml:lang="en-US">Statistical Measurement [Domain]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="srt_RangeMember" xlink:to="srt_RangeMember_lbl"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="navi_EBPParticipantAccountVestedPercentageUponPlanTermination_lbl0" xml:lang="en-US">Percentage of a participant&#8217;s account balance that is nonforfeitable upon termination of the employee stock purchase, saving, or similar plan (employee benefit plan (EBP)).</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="navi_EBPParticipantAccountVestedPercentageUponPlanTermination" xlink:to="navi_EBPParticipantAccountVestedPercentageUponPlanTermination_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="navi_EmployeeBenefitPlanDefinedContributionPlanHoursOfServiceRequirement_lbl0" xml:lang="en-US">Participant eligible to participate upon completing the schedules service in employee stock purchase, saving, or similar plan (employee benefit plan (EBP)).</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="navi_EmployeeBenefitPlanDefinedContributionPlanHoursOfServiceRequirement" xlink:to="navi_EmployeeBenefitPlanDefinedContributionPlanHoursOfServiceRequirement_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="navi_EmployeeBenefitPlanEmployerMatchingContributionToFirstFivePercentOfParticipantsCompensation_lbl0" xml:lang="en-US">Percentage of employer matching contribution for the first five percent of eligible participant compensation to employee stock purchase, saving, or similar plan (employee benefit plan (EBP)).</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="navi_EmployeeBenefitPlanEmployerMatchingContributionToFirstFivePercentOfParticipantsCompensation" xlink:to="navi_EmployeeBenefitPlanEmployerMatchingContributionToFirstFivePercentOfParticipantsCompensation_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="navi_EmployeeBenefitPlanFairValueMeasurementPolicyTextBlock_lbl0" xml:lang="en-US">Disclosure of accounting policy for fair value measurements of financial and non-financial assets, liabilities and instruments classified in shareholders&apos; equity. Disclosures include, but are not limited to, how an entity that manages a group of financial assets and liabilities on the basis of its net exposure measures the fair value of those assets and liabilities (employee benefit plan (EBP).</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="navi_EmployeeBenefitPlanFairValueMeasurementPolicyTextBlock" xlink:to="navi_EmployeeBenefitPlanFairValueMeasurementPolicyTextBlock_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="navi_EmployeeBenefitPlanIncreaseInAutomaticDeferralRateEachYear_lbl0" xml:lang="en-US">Percentage of eligible compensation increase in contributed for participant automatically enrolled in employee stock purchase, saving, or similar plan (employee benefit plan (EBP)).</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="navi_EmployeeBenefitPlanIncreaseInAutomaticDeferralRateEachYear" xlink:to="navi_EmployeeBenefitPlanIncreaseInAutomaticDeferralRateEachYear_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="navi_EmployeeBenefitPlanMaximumNumberOfLoansOutstanding_lbl0" xml:lang="en-US">Maximum number of loans outstanding of participants.</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="navi_EmployeeBenefitPlanMaximumNumberOfLoansOutstanding" xlink:to="navi_EmployeeBenefitPlanMaximumNumberOfLoansOutstanding_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="navi_EmployeeBenefitPlanMaximumPercentageOfParticipantsEligibleForOneHundredPercentageOfEmployerMatchingContribution_lbl0" xml:lang="en-US">Percentage of participant&apos;s eligible for 100% of employer matching contribution towards participant&apos;s compensation to employee stock purchase, saving, or similar plan (employee benefit plan (EBP)).</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="navi_EmployeeBenefitPlanMaximumPercentageOfParticipantsEligibleForOneHundredPercentageOfEmployerMatchingContribution" xlink:to="navi_EmployeeBenefitPlanMaximumPercentageOfParticipantsEligibleForOneHundredPercentageOfEmployerMatchingContribution_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="navi_EmployeeBenefitPlanNormalRetirement_lbl0" xml:lang="en-US">Vesting case of normal retirement of death or disability (employee benefit plan (EBP)).</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="navi_EmployeeBenefitPlanNormalRetirement" xlink:to="navi_EmployeeBenefitPlanNormalRetirement_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="navi_EmployeeBenefitPlanNoteReceivableFromParticipantAccountMaximumBorrowingTerm_lbl0" xml:lang="en-US">Period of repayment of loan, in &apos;PnYnMnDTnHnMnS&apos; format, for example, &apos;P1Y5M13D&apos; represents reported fact of one year, five months, and thirteen days.</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="navi_EmployeeBenefitPlanNoteReceivableFromParticipantAccountMaximumBorrowingTerm" xlink:to="navi_EmployeeBenefitPlanNoteReceivableFromParticipantAccountMaximumBorrowingTerm_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="navi_EmployeeBenefitPlanNoteReceivableFromParticipantAccountMinimumBorrowingTerm_lbl0" xml:lang="en-US">Period of repayment of loan, in &apos;PnYnMnDTnHnMnS&apos; format, for example, &apos;P1Y5M13D&apos; represents reported fact of one year, five months, and thirteen days.</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="navi_EmployeeBenefitPlanNoteReceivableFromParticipantAccountMinimumBorrowingTerm" xlink:to="navi_EmployeeBenefitPlanNoteReceivableFromParticipantAccountMinimumBorrowingTerm_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="navi_EmployeeBenefitPlanNoteReceivableFromParticipantPrincipalResidenceMaximumBorrowingTerm_lbl0" xml:lang="en-US">Period of repayment of loan, in &apos;PnYnMnDTnHnMnS&apos; format, for example, &apos;P1Y5M13D&apos; represents reported fact of one year, five months, and thirteen days.</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="navi_EmployeeBenefitPlanNoteReceivableFromParticipantPrincipalResidenceMaximumBorrowingTerm" xlink:to="navi_EmployeeBenefitPlanNoteReceivableFromParticipantPrincipalResidenceMaximumBorrowingTerm_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="navi_EmployeeBenefitPlanNumberOfEmployeesTransferred_lbl0" xml:lang="en-US">Number of employees transferred under employee benefit plan during the year.</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="navi_EmployeeBenefitPlanNumberOfEmployeesTransferred" xlink:to="navi_EmployeeBenefitPlanNumberOfEmployeesTransferred_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="navi_EmployeeBenefitPlanPartialLoanRepayment_lbl0" xml:lang="en-US">Partial repayment amount for loans of participants.</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="navi_EmployeeBenefitPlanPartialLoanRepayment" xlink:to="navi_EmployeeBenefitPlanPartialLoanRepayment_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="navi_EmployeeBenefitPlanParticipantAgeLimitToParticipateInPlan_lbl0" xml:lang="en-US">Employee age limit to participate in the employee stock purchase, saving, or similar plan (employee benefit plan (EBP)).</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="navi_EmployeeBenefitPlanParticipantAgeLimitToParticipateInPlan" xlink:to="navi_EmployeeBenefitPlanParticipantAgeLimitToParticipateInPlan_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="navi_EmployeeBenefitPlanServicePeriodOfParticipantsToBeEligibleForMatchingContributionFromEmployer_lbl0" xml:lang="en-US">Period of service of participants to be eligible for employee stock purchase, saving, or similar plan (employee benefit plan (EBP)).</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="navi_EmployeeBenefitPlanServicePeriodOfParticipantsToBeEligibleForMatchingContributionFromEmployer" xlink:to="navi_EmployeeBenefitPlanServicePeriodOfParticipantsToBeEligibleForMatchingContributionFromEmployer_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="navi_EmployeeBenefitPlanVestingPeriodOfServiceRequiredFromParticipantsForMatchingContributionAndRelatedEarningsFromEmployer_lbl0" xml:lang="en-US">Minimum vesting period of service required from participants for matching contribution and Related earnings from employer.</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="navi_EmployeeBenefitPlanVestingPeriodOfServiceRequiredFromParticipantsForMatchingContributionAndRelatedEarningsFromEmployer" xlink:to="navi_EmployeeBenefitPlanVestingPeriodOfServiceRequiredFromParticipantsForMatchingContributionAndRelatedEarningsFromEmployer_lbl0"/>
    <loc xlink:type="locator" xlink:label="us-gaap-ebp_EmployeeBenefitPlanParticipantDirectedMember" xlink:href="https://xbrl.fasb.org/us-gaap/2025/ebp/elts/us-gaap-ebp-2025.xsd#us-gaap-ebp_EmployeeBenefitPlanParticipantDirectedMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap-ebp_EmployeeBenefitPlanParticipantDirectedMember_lbl" xml:lang="en-US">Participant-directed Investments [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap-ebp_EmployeeBenefitPlanParticipantDirectedMember" xlink:to="us-gaap-ebp_EmployeeBenefitPlanParticipantDirectedMember_lbl"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_MutualFundMember_lbl0" xml:lang="en-US">Mutual Funds [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_MutualFundMember" xlink:to="us-gaap_MutualFundMember_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_DefinedBenefitPlanCommonCollectiveTrustMember_lbl1" xml:lang="en-US">Common/Collective Trust [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DefinedBenefitPlanCommonCollectiveTrustMember" xlink:to="us-gaap_DefinedBenefitPlanCommonCollectiveTrustMember_lbl1"/>
    <loc xlink:type="locator" xlink:label="navi_FidFrdmRetireDMember" xlink:href="navi-20251231.xsd#navi_FidFrdmRetireDMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="navi_FidFrdmRetireDMember_lbl" xml:lang="en-US">FID FRDM RETIRE D [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="navi_FidFrdmRetireDMember" xlink:to="navi_FidFrdmRetireDMember_lbl"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap-ebp_EmployeeBenefitPlanSelfDirectedBrokerageAccountMember_lbl0" xml:lang="en-US">Self-Directed Brokerage Account [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap-ebp_EmployeeBenefitPlanSelfDirectedBrokerageAccountMember" xlink:to="us-gaap-ebp_EmployeeBenefitPlanSelfDirectedBrokerageAccountMember_lbl0"/>
    <loc xlink:type="locator" xlink:label="navi_BrokeragelinkMember" xlink:href="navi-20251231.xsd#navi_BrokeragelinkMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="navi_BrokeragelinkMember_lbl" xml:lang="en-US">BROKERAGELINK [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="navi_BrokeragelinkMember" xlink:to="navi_BrokeragelinkMember_lbl"/>
    <loc xlink:type="locator" xlink:label="navi_NavientStockFundMember" xlink:href="navi-20251231.xsd#navi_NavientStockFundMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="navi_NavientStockFundMember_lbl" xml:lang="en-US">NAVIENT STOCK FUND [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="navi_NavientStockFundMember" xlink:to="navi_NavientStockFundMember_lbl"/>
    <loc xlink:type="locator" xlink:label="navi_Sp500IndexPlClCMember" xlink:href="navi-20251231.xsd#navi_Sp500IndexPlClCMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="navi_Sp500IndexPlClCMember_lbl" xml:lang="en-US">SP 500 INDEX PL CL C [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="navi_Sp500IndexPlClCMember" xlink:to="navi_Sp500IndexPlClCMember_lbl"/>
    <loc xlink:type="locator" xlink:label="navi_PutnamStableValueMember" xlink:href="navi-20251231.xsd#navi_PutnamStableValueMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="navi_PutnamStableValueMember_lbl" xml:lang="en-US">PUTNAM STABLE VALUE [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="navi_PutnamStableValueMember" xlink:to="navi_PutnamStableValueMember_lbl"/>
    <loc xlink:type="locator" xlink:label="navi_DodgeCoxIncomeXMember" xlink:href="navi-20251231.xsd#navi_DodgeCoxIncomeXMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="navi_DodgeCoxIncomeXMember_lbl" xml:lang="en-US">DODGE &amp; COX INCOME X [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="navi_DodgeCoxIncomeXMember" xlink:to="navi_DodgeCoxIncomeXMember_lbl"/>
    <loc xlink:type="locator" xlink:label="us-gaap_QualifiedPlanMember" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_QualifiedPlanMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_QualifiedPlanMember_lbl" xml:lang="en-US">qualified</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_QualifiedPlanMember" xlink:to="us-gaap_QualifiedPlanMember_lbl"/>
    <loc xlink:type="locator" xlink:label="navi_FidFrdm2045CpDMember" xlink:href="navi-20251231.xsd#navi_FidFrdm2045CpDMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="navi_FidFrdm2045CpDMember_lbl" xml:lang="en-US">FID FRDM 2045 CP D [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="navi_FidFrdm2045CpDMember" xlink:to="navi_FidFrdm2045CpDMember_lbl"/>
    <loc xlink:type="locator" xlink:label="navi_AsSplSmCapValEMember" xlink:href="navi-20251231.xsd#navi_AsSplSmCapValEMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="navi_AsSplSmCapValEMember_lbl" xml:lang="en-US">AS SPL SM CAP VAL E [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="navi_AsSplSmCapValEMember" xlink:to="navi_AsSplSmCapValEMember_lbl"/>
    <loc xlink:type="locator" xlink:label="navi_FidFrdm2025CpDMember" xlink:href="navi-20251231.xsd#navi_FidFrdm2025CpDMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="navi_FidFrdm2025CpDMember_lbl" xml:lang="en-US">FID FRDM 2025 CP D [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="navi_FidFrdm2025CpDMember" xlink:to="navi_FidFrdm2025CpDMember_lbl"/>
    <loc xlink:type="locator" xlink:label="navi_FidBalancedKMember" xlink:href="navi-20251231.xsd#navi_FidBalancedKMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="navi_FidBalancedKMember_lbl" xml:lang="en-US">FID BALANCED K [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="navi_FidBalancedKMember" xlink:to="navi_FidBalancedKMember_lbl"/>
    <loc xlink:type="locator" xlink:label="navi_FidFrdm2070CpDMember" xlink:href="navi-20251231.xsd#navi_FidFrdm2070CpDMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="navi_FidFrdm2070CpDMember_lbl" xml:lang="en-US">FID FRDM 2070 CP D [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="navi_FidFrdm2070CpDMember" xlink:to="navi_FidFrdm2070CpDMember_lbl"/>
    <loc xlink:type="locator" xlink:label="navi_FidFrdm2065CpDMember" xlink:href="navi-20251231.xsd#navi_FidFrdm2065CpDMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="navi_FidFrdm2065CpDMember_lbl" xml:lang="en-US">FID FRDM 2065 CP D [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="navi_FidFrdm2065CpDMember" xlink:to="navi_FidFrdm2065CpDMember_lbl"/>
    <loc xlink:type="locator" xlink:label="navi_FidFrdm2055CpDMember" xlink:href="navi-20251231.xsd#navi_FidFrdm2055CpDMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="navi_FidFrdm2055CpDMember_lbl" xml:lang="en-US">FID FRDM 2055 CP D [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="navi_FidFrdm2055CpDMember" xlink:to="navi_FidFrdm2055CpDMember_lbl"/>
    <loc xlink:type="locator" xlink:label="navi_FidOtcPoolAMember" xlink:href="navi-20251231.xsd#navi_FidOtcPoolAMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="navi_FidOtcPoolAMember_lbl" xml:lang="en-US">FID OTC POOL A [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="navi_FidOtcPoolAMember" xlink:to="navi_FidOtcPoolAMember_lbl"/>
    <loc xlink:type="locator" xlink:label="navi_ColOverseasValRMember" xlink:href="navi-20251231.xsd#navi_ColOverseasValRMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="navi_ColOverseasValRMember_lbl" xml:lang="en-US">COL OVERSEAS VAL R [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="navi_ColOverseasValRMember" xlink:to="navi_ColOverseasValRMember_lbl"/>
    <loc xlink:type="locator" xlink:label="navi_VictorySEstbValYMember" xlink:href="navi-20251231.xsd#navi_VictorySEstbValYMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="navi_VictorySEstbValYMember_lbl" xml:lang="en-US">VICTORY S ESTB VAL Y [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="navi_VictorySEstbValYMember" xlink:to="navi_VictorySEstbValYMember_lbl"/>
    <loc xlink:type="locator" xlink:label="navi_FidFrdm2035CpDMember" xlink:href="navi-20251231.xsd#navi_FidFrdm2035CpDMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="navi_FidFrdm2035CpDMember_lbl" xml:lang="en-US">FID FRDM 2035 CP D [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="navi_FidFrdm2035CpDMember" xlink:to="navi_FidFrdm2035CpDMember_lbl"/>
    <loc xlink:type="locator" xlink:label="navi_AfWashMutlInvR6Member" xlink:href="navi-20251231.xsd#navi_AfWashMutlInvR6Member"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="navi_AfWashMutlInvR6Member_lbl" xml:lang="en-US">AF WASH MUTL INV R6 [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="navi_AfWashMutlInvR6Member" xlink:to="navi_AfWashMutlInvR6Member_lbl"/>
    <loc xlink:type="locator" xlink:label="navi_FidFrdm2040CpDMember" xlink:href="navi-20251231.xsd#navi_FidFrdm2040CpDMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="navi_FidFrdm2040CpDMember_lbl" xml:lang="en-US">FID FRDM 2040 CP D [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="navi_FidFrdm2040CpDMember" xlink:to="navi_FidFrdm2040CpDMember_lbl"/>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="navi_FidContraPoolClAMember_lbl" xml:lang="en-US">FID CONTRA POOL CL A [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="navi_FidContraPoolClAMember" xlink:to="navi_FidContraPoolClAMember_lbl"/>
    <loc xlink:type="locator" xlink:label="navi_JhEnterpriseIiiMember" xlink:href="navi-20251231.xsd#navi_JhEnterpriseIiiMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="navi_JhEnterpriseIiiMember_lbl" xml:lang="en-US">JH ENTERPRISE III [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="navi_JhEnterpriseIiiMember" xlink:to="navi_JhEnterpriseIiiMember_lbl"/>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="navi_FidFrdm2020CpDMember_lbl" xml:lang="en-US">FID FRDM 2020 CP D [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="navi_FidFrdm2020CpDMember" xlink:to="navi_FidFrdm2020CpDMember_lbl"/>
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    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="navi_LoomisSmCpGrthNMember" xlink:to="navi_LoomisSmCpGrthNMember_lbl"/>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="navi_FidFrdm2060CpDMember_lbl" xml:lang="en-US">FID FRDM 2060 CP D [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="navi_FidFrdm2060CpDMember" xlink:to="navi_FidFrdm2060CpDMember_lbl"/>
    <loc xlink:type="locator" xlink:label="navi_FidFrdm2015CpDMember" xlink:href="navi-20251231.xsd#navi_FidFrdm2015CpDMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="navi_FidFrdm2015CpDMember_lbl" xml:lang="en-US">FID FRDM 2015 CP D [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="navi_FidFrdm2015CpDMember" xlink:to="navi_FidFrdm2015CpDMember_lbl"/>
    <loc xlink:type="locator" xlink:label="navi_SpSmallCpIndClCMember" xlink:href="navi-20251231.xsd#navi_SpSmallCpIndClCMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="navi_SpSmallCpIndClCMember_lbl" xml:lang="en-US">SP SMALL CP IND CL C [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="navi_SpSmallCpIndClCMember" xlink:to="navi_SpSmallCpIndClCMember_lbl"/>
    <loc xlink:type="locator" xlink:label="navi_VangVmmrFedMmktMember" xlink:href="navi-20251231.xsd#navi_VangVmmrFedMmktMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="navi_VangVmmrFedMmktMember_lbl" xml:lang="en-US">VANG VMMR-FED MMKT [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="navi_VangVmmrFedMmktMember" xlink:to="navi_VangVmmrFedMmktMember_lbl"/>
    <loc xlink:type="locator" xlink:label="navi_SpMidCapIdxClCMember" xlink:href="navi-20251231.xsd#navi_SpMidCapIdxClCMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="navi_SpMidCapIdxClCMember_lbl" xml:lang="en-US">SP MID CAP IDX CL C [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="navi_SpMidCapIdxClCMember" xlink:to="navi_SpMidCapIdxClCMember_lbl"/>
    <loc xlink:type="locator" xlink:label="navi_FidFrdm2050CpDMember" xlink:href="navi-20251231.xsd#navi_FidFrdm2050CpDMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="navi_FidFrdm2050CpDMember_lbl" xml:lang="en-US">FID FRDM 2050 CP D [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="navi_FidFrdm2050CpDMember" xlink:to="navi_FidFrdm2050CpDMember_lbl"/>
    <loc xlink:type="locator" xlink:label="navi_FidFrdm2030CpDMember" xlink:href="navi-20251231.xsd#navi_FidFrdm2030CpDMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="navi_FidFrdm2030CpDMember_lbl" xml:lang="en-US">FID FRDM 2030 CP D [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="navi_FidFrdm2030CpDMember" xlink:to="navi_FidFrdm2030CpDMember_lbl"/>
    <loc xlink:type="locator" xlink:label="navi_FidInflPrBdIdxMember" xlink:href="navi-20251231.xsd#navi_FidInflPrBdIdxMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="navi_FidInflPrBdIdxMember_lbl" xml:lang="en-US">FID INFL PR BD IDX [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="navi_FidInflPrBdIdxMember" xlink:to="navi_FidInflPrBdIdxMember_lbl"/>
    <loc xlink:type="locator" xlink:label="navi_SpIntlIndexCMember" xlink:href="navi-20251231.xsd#navi_SpIntlIndexCMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="navi_SpIntlIndexCMember_lbl" xml:lang="en-US">SP INTL INDEX C [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="navi_SpIntlIndexCMember" xlink:to="navi_SpIntlIndexCMember_lbl"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap-ebp_EmployeeBenefitPlanEmployerCommonStockFundMember_lbl0" xml:lang="en-US">Common Stock Fund [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap-ebp_EmployeeBenefitPlanEmployerCommonStockFundMember" xlink:to="us-gaap-ebp_EmployeeBenefitPlanEmployerCommonStockFundMember_lbl0"/>
    <loc xlink:type="locator" xlink:label="navi_FidFrdm2010CpDMember" xlink:href="navi-20251231.xsd#navi_FidFrdm2010CpDMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="navi_FidFrdm2010CpDMember_lbl" xml:lang="en-US">FID FRDM 2010 CP D [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="navi_FidFrdm2010CpDMember" xlink:to="navi_FidFrdm2010CpDMember_lbl"/>
    <loc xlink:type="locator" xlink:label="navi_FidUsBondIdxMember" xlink:href="navi-20251231.xsd#navi_FidUsBondIdxMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="navi_FidUsBondIdxMember_lbl" xml:lang="en-US">FID US BOND IDX [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="navi_FidUsBondIdxMember" xlink:to="navi_FidUsBondIdxMember_lbl"/>
    <loc xlink:type="locator" xlink:label="navi_PgimGlbTotRtnZMember" xlink:href="navi-20251231.xsd#navi_PgimGlbTotRtnZMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="navi_PgimGlbTotRtnZMember_lbl" xml:lang="en-US">PGIM GLB TOT RTN Z [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="navi_PgimGlbTotRtnZMember" xlink:to="navi_PgimGlbTotRtnZMember_lbl"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="navi_InvestmentsInFairValueHierarchyMember_lbl0" xml:lang="en-US">Investments In Fair Value Hierarchy Member</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="navi_InvestmentsInFairValueHierarchyMember" xlink:to="navi_InvestmentsInFairValueHierarchyMember_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseForInterestIncomeOnNoteReceivableFromParticipant_lbl0" xml:lang="en-US">EBP, Change in Net Asset Available for Benefit, Increase from Interest Income on Note Receivable from Participant</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseForInterestIncomeOnNoteReceivableFromParticipant" xlink:to="us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseForInterestIncomeOnNoteReceivableFromParticipant_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap-ebp_EmployeeBenefitPlanInvestmentNumberOfSharesSold_lbl0" xml:lang="en-US">EBP, Investment, Sold, Number of Shares</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap-ebp_EmployeeBenefitPlanInvestmentNumberOfSharesSold" xlink:to="us-gaap-ebp_EmployeeBenefitPlanInvestmentNumberOfSharesSold_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap-ebp_EmployeeBenefitPlanStatementOfChangeInNetAssetAvailableForBenefitLineItems_lbl0" xml:lang="en-US">EBP, Statement of Change in Net Asset Available for Benefit [Line Items]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap-ebp_EmployeeBenefitPlanStatementOfChangeInNetAssetAvailableForBenefitLineItems" xlink:to="us-gaap-ebp_EmployeeBenefitPlanStatementOfChangeInNetAssetAvailableForBenefitLineItems_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap-ebp_EmployeeBenefitPlanInvestmentPlanInterestInMasterTrustFairValue_lbl0" xml:lang="en-US">EBP, Investment, Plan Interest in Master Trust, Fair Value</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap-ebp_EmployeeBenefitPlanInvestmentPlanInterestInMasterTrustFairValue" xlink:to="us-gaap-ebp_EmployeeBenefitPlanInvestmentPlanInterestInMasterTrustFairValue_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap-ebp_EmployeeBenefitPlanEmployerContributionParticipantCompensationMatchedPercentage_lbl0" xml:lang="en-US">EBP, Employer Contribution, Participant Compensation Matched, Percentage</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap-ebp_EmployeeBenefitPlanEmployerContributionParticipantCompensationMatchedPercentage" xlink:to="us-gaap-ebp_EmployeeBenefitPlanEmployerContributionParticipantCompensationMatchedPercentage_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap-ebp_EmployeeBenefitPlanParticipantContributionAutomaticDeferralRate_lbl0" xml:lang="en-US">EBP, Participant Contribution, Automatic, Deferral Rate</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap-ebp_EmployeeBenefitPlanParticipantContributionAutomaticDeferralRate" xlink:to="us-gaap-ebp_EmployeeBenefitPlanParticipantContributionAutomaticDeferralRate_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FairValueInputsLevel3Member_lbl0" xml:lang="en-US">Fair Value, Inputs, Level 3 [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueInputsLevel3Member" xlink:to="us-gaap_FairValueInputsLevel3Member_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap-ebp_EmployeeBenefitPlanTaxQualificationStatusExtensibleEnumeration_lbl0" xml:lang="en-US">EBP, Tax Qualification Status [Extensible Enumeration]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap-ebp_EmployeeBenefitPlanTaxQualificationStatusExtensibleEnumeration" xlink:to="us-gaap-ebp_EmployeeBenefitPlanTaxQualificationStatusExtensibleEnumeration_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="navi_EmployeeBenefitPlanNumberOfEmployeesTransferred_lbl1" xml:lang="en-US">Employee Benefit Plan Number Of Employees Transferred</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="navi_EmployeeBenefitPlanNumberOfEmployeesTransferred" xlink:to="navi_EmployeeBenefitPlanNumberOfEmployeesTransferred_lbl1"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap-ebp_EmployeeBenefitPlanPlanNumber_lbl0" xml:lang="en-US">EBP, Plan Number</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap-ebp_EmployeeBenefitPlanPlanNumber" xlink:to="us-gaap-ebp_EmployeeBenefitPlanPlanNumber_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap-ebp_EbpRiskAndUncertaintyPolicyTextBlock_lbl0" xml:lang="en-US">EBP, Risk and Uncertainty [Policy Text Block]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap-ebp_EbpRiskAndUncertaintyPolicyTextBlock" xlink:to="us-gaap-ebp_EbpRiskAndUncertaintyPolicyTextBlock_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitDecreaseAbstract_lbl0" xml:lang="en-US">EBP, Change in Net Asset Available for Benefit, Decrease [Abstract]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitDecreaseAbstract" xlink:to="us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitDecreaseAbstract_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap-ebp_EmployeeBenefitPlanNoteReceivableFromParticipantPolicyTextBlock_lbl0" xml:lang="en-US">EBP, Note Receivable from Participant [Policy Text Block]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap-ebp_EmployeeBenefitPlanNoteReceivableFromParticipantPolicyTextBlock" xlink:to="us-gaap-ebp_EmployeeBenefitPlanNoteReceivableFromParticipantPolicyTextBlock_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap-ebp_EmployeeBenefitPlanInvestmentFairValueAndNavTableTextBlock_lbl0" xml:lang="en-US">EBP, Investment, Fair Value and NAV [Table Text Block]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap-ebp_EmployeeBenefitPlanInvestmentFairValueAndNavTableTextBlock" xlink:to="us-gaap-ebp_EmployeeBenefitPlanInvestmentFairValueAndNavTableTextBlock_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap-ebp_EmployeeBenefitPlanRelatedPartyAndPartyInInterestTransactionsTextBlock_lbl0" xml:lang="en-US">EBP, Related Party and Party-in-Interest Transactions [Text Block]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap-ebp_EmployeeBenefitPlanRelatedPartyAndPartyInInterestTransactionsTextBlock" xlink:to="us-gaap-ebp_EmployeeBenefitPlanRelatedPartyAndPartyInInterestTransactionsTextBlock_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="navi_EmployeeBenefitPlanIncreaseInAutomaticDeferralRateEachYear_lbl1" xml:lang="en-US">Employee Benefit Plan Increase In Automatic Deferral Rate Each Year</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="navi_EmployeeBenefitPlanIncreaseInAutomaticDeferralRateEachYear" xlink:to="navi_EmployeeBenefitPlanIncreaseInAutomaticDeferralRateEachYear_lbl1"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="navi_EmployeeBenefitPlanPartialLoanRepayment_lbl1" xml:lang="en-US">Employee Benefit Plan Partial Loan Repayment</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="navi_EmployeeBenefitPlanPartialLoanRepayment" xlink:to="navi_EmployeeBenefitPlanPartialLoanRepayment_lbl1"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="navi_EmployeeBenefitPlanParticipantAgeLimitToParticipateInPlan_lbl1" xml:lang="en-US">Employee Benefit Plan Participant Age Limit To Participate In Plan</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="navi_EmployeeBenefitPlanParticipantAgeLimitToParticipateInPlan" xlink:to="navi_EmployeeBenefitPlanParticipantAgeLimitToParticipateInPlan_lbl1"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap-ebp_EmployeeBenefitPlanDescriptionAvailable_lbl0" xml:lang="en-US">EBP, Description, Available [true false]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap-ebp_EmployeeBenefitPlanDescriptionAvailable" xlink:to="us-gaap-ebp_EmployeeBenefitPlanDescriptionAvailable_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseDecreaseForGainLossOnInvestment_lbl0" xml:lang="en-US">EBP, Change in Net Asset Available for Benefit, Increase (Decrease) from Gain (Loss) on Investment</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseDecreaseForGainLossOnInvestment" xlink:to="us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseDecreaseForGainLossOnInvestment_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap-ebp_EmployeeBenefitPlanRelatedPartyAndPartyInInterestTransactionsLineItems_lbl0" xml:lang="en-US">EBP, Related Party and Party-in-Interest Transactions [Line Items]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap-ebp_EmployeeBenefitPlanRelatedPartyAndPartyInInterestTransactionsLineItems" xlink:to="us-gaap-ebp_EmployeeBenefitPlanRelatedPartyAndPartyInInterestTransactionsLineItems_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="navi_EmployeeBenefitPlanNormalRetirement_lbl1" xml:lang="en-US">Employee Benefit Plan Normal Retirement</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="navi_EmployeeBenefitPlanNormalRetirement" xlink:to="navi_EmployeeBenefitPlanNormalRetirement_lbl1"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="navi_EmployeeBenefitPlanParticipantMember_lbl0" xml:lang="en-US">Employee Benefit Plan Participant Member</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="navi_EmployeeBenefitPlanParticipantMember" xlink:to="navi_EmployeeBenefitPlanParticipantMember_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FairValueInputsLevel1Member_lbl0" xml:lang="en-US">Fair Value, Inputs, Level 1 [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueInputsLevel1Member" xlink:to="us-gaap_FairValueInputsLevel1Member_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncrease_lbl0" xml:lang="en-US">EBP, Change in Net Asset Available for Benefit, Increase</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncrease" xlink:to="us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncrease_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitDecreaseForAdministrativeExpense_lbl0" xml:lang="en-US">EBP, Change in Net Asset Available for Benefit, Decrease from Administrative Expense</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitDecreaseForAdministrativeExpense" xlink:to="us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitDecreaseForAdministrativeExpense_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap-ebp_EmployeeBenefitPlanSummaryOfAccountingPolicyTextBlock_lbl0" xml:lang="en-US">EBP, Summary of Accounting Policy [Text Block]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap-ebp_EmployeeBenefitPlanSummaryOfAccountingPolicyTextBlock" xlink:to="us-gaap-ebp_EmployeeBenefitPlanSummaryOfAccountingPolicyTextBlock_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap-ebp_EmployeeBenefitPlanAssetHeldForInvestmentPlanInterestInMasterTrustParticipationStatusExtensibleEnumeration_lbl0" xml:lang="en-US">EBP, Asset Held for Investment, Plan Interest in Master Trust, Participation Status [Extensible Enumeration]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap-ebp_EmployeeBenefitPlanAssetHeldForInvestmentPlanInterestInMasterTrustParticipationStatusExtensibleEnumeration" xlink:to="us-gaap-ebp_EmployeeBenefitPlanAssetHeldForInvestmentPlanInterestInMasterTrustParticipationStatusExtensibleEnumeration_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap-ebp_EmployeeBenefitPlanTaxStatusTextBlock_lbl0" xml:lang="en-US">EBP, Tax Status [Text Block]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap-ebp_EmployeeBenefitPlanTaxStatusTextBlock" xlink:to="us-gaap-ebp_EmployeeBenefitPlanTaxStatusTextBlock_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseDecreaseForIncomeLossOnInvestmentAbstract_lbl0" xml:lang="en-US">EBP, Change in Net Asset Available for Benefit, Increase (Decrease) from Income (Loss) on Investment [Abstract]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseDecreaseForIncomeLossOnInvestmentAbstract" xlink:to="us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseDecreaseForIncomeLossOnInvestmentAbstract_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap-ebp_EmployeeBenefitPlanNoteReceivableFromParticipant_lbl0" xml:lang="en-US">EBP, Note Receivable from Participant</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap-ebp_EmployeeBenefitPlanNoteReceivableFromParticipant" xlink:to="us-gaap-ebp_EmployeeBenefitPlanNoteReceivableFromParticipant_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="navi_EmployeeBenefitPlanNoteReceivableFromParticipantAccountMaximumBorrowingTerm_lbl1" xml:lang="en-US">Employee Benefit Plan Note Receivable From Participant Account Maximum Borrowing Term</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="navi_EmployeeBenefitPlanNoteReceivableFromParticipantAccountMaximumBorrowingTerm" xlink:to="navi_EmployeeBenefitPlanNoteReceivableFromParticipantAccountMaximumBorrowingTerm_lbl1"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseForParticipantContributionExcludingRollover_lbl0" xml:lang="en-US">EBP, Change in Net Asset Available for Benefit, Increase from Participant Contribution, Excluding Rollover</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseForParticipantContributionExcludingRollover" xlink:to="us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseForParticipantContributionExcludingRollover_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitDecreaseForPaymentToParticipant_lbl0" xml:lang="en-US">EBP, Change in Net Asset Available for Benefit, Decrease from Payment to Participant</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitDecreaseForPaymentToParticipant" xlink:to="us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitDecreaseForPaymentToParticipant_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="navi_EmployeeBenefitPlanVestingPeriodOfServiceRequiredFromParticipantsForMatchingContributionAndRelatedEarningsFromEmployer_lbl1" xml:lang="en-US">Employee Benefit Plan Vesting Period Of Service Required From Participants For Matching Contribution And Related Earnings From Employer</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="navi_EmployeeBenefitPlanVestingPeriodOfServiceRequiredFromParticipantsForMatchingContributionAndRelatedEarningsFromEmployer" xlink:to="navi_EmployeeBenefitPlanVestingPeriodOfServiceRequiredFromParticipantsForMatchingContributionAndRelatedEarningsFromEmployer_lbl1"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseForContribution_lbl0" xml:lang="en-US">EBP, Change in Net Asset Available for Benefit, Increase from Contribution</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseForContribution" xlink:to="us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseForContribution_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="navi_EBP001Member_lbl0" xml:lang="en-US">EBP001 Member</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="navi_EBP001Member" xlink:to="navi_EBP001Member_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap-ebp_EmployeeBenefitPlanInvestmentExcludingPlanInterestInMasterTrustFairValue_lbl1" xml:lang="en-US">EBP, Investment, Excluding Plan Interest in Master Trust, Fair Value</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap-ebp_EmployeeBenefitPlanInvestmentExcludingPlanInterestInMasterTrustFairValue" xlink:to="us-gaap-ebp_EmployeeBenefitPlanInvestmentExcludingPlanInterestInMasterTrustFairValue_lbl1"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap-ebp_EmployeeBenefitPlanNoteReceivableFromParticipantAccountMaximumBorrowingAmount_lbl0" xml:lang="en-US">EBP, Note Receivable from Participant, Account, Maximum Borrowing, Amount</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap-ebp_EmployeeBenefitPlanNoteReceivableFromParticipantAccountMaximumBorrowingAmount" xlink:to="us-gaap-ebp_EmployeeBenefitPlanNoteReceivableFromParticipantAccountMaximumBorrowingAmount_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap-ebp_EmployeeBenefitPlanInvestmentTypeExtensibleEnumeration_lbl0" xml:lang="en-US">EBP, Investment, Current Value, Type [Extensible Enumeration]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap-ebp_EmployeeBenefitPlanInvestmentTypeExtensibleEnumeration" xlink:to="us-gaap-ebp_EmployeeBenefitPlanInvestmentTypeExtensibleEnumeration_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap-ebp_EmployeeBenefitPlanAssetAbstract_lbl0" xml:lang="en-US">EBP, Asset [Abstract]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap-ebp_EmployeeBenefitPlanAssetAbstract" xlink:to="us-gaap-ebp_EmployeeBenefitPlanAssetAbstract_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap-ebp_EmployeeBenefitPlanInvestmentNumberOfSharesPurchased_lbl0" xml:lang="en-US">EBP, Investment, Purchased, Number of Shares</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap-ebp_EmployeeBenefitPlanInvestmentNumberOfSharesPurchased" xlink:to="us-gaap-ebp_EmployeeBenefitPlanInvestmentNumberOfSharesPurchased_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap-ebp_EmployeeBenefitPlanUseOfEstimatePolicyTextBlock_lbl0" xml:lang="en-US">EBP, Use of Estimate [Policy Text Block]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap-ebp_EmployeeBenefitPlanUseOfEstimatePolicyTextBlock" xlink:to="us-gaap-ebp_EmployeeBenefitPlanUseOfEstimatePolicyTextBlock_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseForDividendIncomeOnInvestment_lbl0" xml:lang="en-US">EBP, Change in Net Asset Available for Benefit, Increase from Dividend Income on Investment</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseForDividendIncomeOnInvestment" xlink:to="us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseForDividendIncomeOnInvestment_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap-ebp_EmployeeBenefitPlanParticipantContributionPretaxMaximumAnnualCompensationToTotalCompensationPercentage_lbl0" xml:lang="en-US">EBP, Participant Contribution, Pretax, Maximum Annual Compensation to Total Compensation, Percentage</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap-ebp_EmployeeBenefitPlanParticipantContributionPretaxMaximumAnnualCompensationToTotalCompensationPercentage" xlink:to="us-gaap-ebp_EmployeeBenefitPlanParticipantContributionPretaxMaximumAnnualCompensationToTotalCompensationPercentage_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitTransferToFromExternalPlan_lbl0" xml:lang="en-US">EBP, Change in Net Asset Available for Benefit, Transfer to (from) Plan</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitTransferToFromExternalPlan" xlink:to="us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitTransferToFromExternalPlan_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap-ebp_EmployeeBenefitPlanInvestmentAcquiredExcludingPlanInterestInMasterTrustCost_lbl0" xml:lang="en-US">EBP, Investment Acquired, Excluding Plan Interest in Master Trust, Cost</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap-ebp_EmployeeBenefitPlanInvestmentAcquiredExcludingPlanInterestInMasterTrustCost" xlink:to="us-gaap-ebp_EmployeeBenefitPlanInvestmentAcquiredExcludingPlanInterestInMasterTrustCost_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap-ebp_EmployeeBenefitPlanAssetHeldForInvestmentParticipantLoanAfterDeemedDistribution_lbl0" xml:lang="en-US">EBP, Asset Held for Investment, Participant Loan, after Deemed Distribution</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap-ebp_EmployeeBenefitPlanAssetHeldForInvestmentParticipantLoanAfterDeemedDistribution" xlink:to="us-gaap-ebp_EmployeeBenefitPlanAssetHeldForInvestmentParticipantLoanAfterDeemedDistribution_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap-ebp_EbpSubsequentEventLineItems_lbl0" xml:lang="en-US">EBP, Subsequent Event [Line Items]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap-ebp_EbpSubsequentEventLineItems" xlink:to="us-gaap-ebp_EbpSubsequentEventLineItems_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap-ebp_EmployeeBenefitPlanDescriptionOfPlanTextBlock_lbl0" xml:lang="en-US">EBP, Description of Plan [Text Block]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap-ebp_EmployeeBenefitPlanDescriptionOfPlanTextBlock" xlink:to="us-gaap-ebp_EmployeeBenefitPlanDescriptionOfPlanTextBlock_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_DocumentFiscalYearFocus_lbl0" xml:lang="en-US">Document Fiscal Year Focus</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentFiscalYearFocus" xlink:to="dei_DocumentFiscalYearFocus_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="navi_EmployeeBenefitPlanNoteReceivableFromParticipantAccountMinimumBorrowingTerm_lbl1" xml:lang="en-US">Employee Benefit Plan Note Receivable From Participant Account Minimum Borrowing Term</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="navi_EmployeeBenefitPlanNoteReceivableFromParticipantAccountMinimumBorrowingTerm" xlink:to="navi_EmployeeBenefitPlanNoteReceivableFromParticipantAccountMinimumBorrowingTerm_lbl1"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap-ebp_EmployeeBenefitPlanTaxDeterminationLetterDate_lbl0" xml:lang="en-US">EBP, Tax Determination Letter, Date</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap-ebp_EmployeeBenefitPlanTaxDeterminationLetterDate" xlink:to="us-gaap-ebp_EmployeeBenefitPlanTaxDeterminationLetterDate_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap-ebp_EmployeeBenefitPlanParticipantLoanInterestRate_lbl1" xml:lang="en-US">EBP, Asset Held for Investment, Participant Loan, Interest Rate</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap-ebp_EmployeeBenefitPlanParticipantLoanInterestRate" xlink:to="us-gaap-ebp_EmployeeBenefitPlanParticipantLoanInterestRate_lbl1"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseDecreaseForIncomeLossOnInvestment_lbl0" xml:lang="en-US">EBP, Change in Net Asset Available for Benefit, Increase (Decrease) from Income (Loss) on Investment</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseDecreaseForIncomeLossOnInvestment" xlink:to="us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseDecreaseForIncomeLossOnInvestment_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap-ebp_EmployeeBenefitPlanSubsequentEventTextBlock_lbl0" xml:lang="en-US">EBP, Subsequent Event [Text Block]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap-ebp_EmployeeBenefitPlanSubsequentEventTextBlock" xlink:to="us-gaap-ebp_EmployeeBenefitPlanSubsequentEventTextBlock_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap-ebp_EmployeeBenefitPlanNoteReceivableFromParticipantAccountMaximumBorrowingToTotalAccountPercentage_lbl0" xml:lang="en-US">EBP, Note Receivable from Participant, Account, Maximum Borrowing, to Total Account, Percentage</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap-ebp_EmployeeBenefitPlanNoteReceivableFromParticipantAccountMaximumBorrowingToTotalAccountPercentage" xlink:to="us-gaap-ebp_EmployeeBenefitPlanNoteReceivableFromParticipantAccountMaximumBorrowingToTotalAccountPercentage_lbl0"/>
    <loc xlink:type="locator" xlink:label="navi_CommonCollectiveTrustMember" xlink:href="navi-20251231.xsd#navi_CommonCollectiveTrustMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="navi_CommonCollectiveTrustMember_lbl" xml:lang="en-US">Common Collective Trust Member</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="navi_CommonCollectiveTrustMember" xlink:to="navi_CommonCollectiveTrustMember_lbl"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap-ebp_EmployeeBenefitPlanForfeitedNonvestedAccount_lbl0" xml:lang="en-US">EBP, Forfeited Nonvested Account</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap-ebp_EmployeeBenefitPlanForfeitedNonvestedAccount" xlink:to="us-gaap-ebp_EmployeeBenefitPlanForfeitedNonvestedAccount_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="srt_MinimumMember_lbl0" xml:lang="en-US">Minimum [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="srt_MinimumMember" xlink:to="srt_MinimumMember_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="navi_EmployeeBenefitPlanMaximumPercentageOfParticipantsEligibleForOneHundredPercentageOfEmployerMatchingContribution_lbl1" xml:lang="en-US">Employee Benefit Plan Maximum Percentage Of Participants Eligible For One Hundred Percentage Of Employer Matching Contribution</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="navi_EmployeeBenefitPlanMaximumPercentageOfParticipantsEligibleForOneHundredPercentageOfEmployerMatchingContribution" xlink:to="navi_EmployeeBenefitPlanMaximumPercentageOfParticipantsEligibleForOneHundredPercentageOfEmployerMatchingContribution_lbl1"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap-ebp_EmployeeBenefitPlanInvestmentIssuerNameExtensibleEnumeration_lbl0" xml:lang="en-US">EBP, Investment, Issuer Name [Extensible Enumeration]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap-ebp_EmployeeBenefitPlanInvestmentIssuerNameExtensibleEnumeration" xlink:to="us-gaap-ebp_EmployeeBenefitPlanInvestmentIssuerNameExtensibleEnumeration_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap-ebp_EmployeeBenefitPlanPlanTerminationTextBlock_lbl0" xml:lang="en-US">EBP, Plan Termination [Text Block]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap-ebp_EmployeeBenefitPlanPlanTerminationTextBlock" xlink:to="us-gaap-ebp_EmployeeBenefitPlanPlanTerminationTextBlock_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="navi_EmployeeBenefitPlanEmployerMatchingContributionToFirstFivePercentOfParticipantsCompensation_lbl1" xml:lang="en-US">Employee Benefit Plan Employer Matching Contribution To First Five Percent Of Participants Compensation</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="navi_EmployeeBenefitPlanEmployerMatchingContributionToFirstFivePercentOfParticipantsCompensation" xlink:to="navi_EmployeeBenefitPlanEmployerMatchingContributionToFirstFivePercentOfParticipantsCompensation_lbl1"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseForContributionAbstract_lbl0" xml:lang="en-US">EBP, Change in Net Asset Available for Benefit, Increase from Contribution [Abstract]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseForContributionAbstract" xlink:to="us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseForContributionAbstract_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap-ebp_EmployeeBenefitPlanInvestmentNumberOfShares_lbl0" xml:lang="en-US">EBP, Investment, Number of Shares</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap-ebp_EmployeeBenefitPlanInvestmentFairValueAndNavLineItems_lbl0" xml:lang="en-US">EBP, Investment, Fair Value and NAV [Line Items]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap-ebp_EmployeeBenefitPlanInvestmentFairValueAndNavLineItems" xlink:to="us-gaap-ebp_EmployeeBenefitPlanInvestmentFairValueAndNavLineItems_lbl0"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap-ebp_EmployeeBenefitPlanAssetHeldForInvestment_lbl0" xml:lang="en-US">EBP, Asset Held for Investment</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap-ebp_EmployeeBenefitPlanAssetHeldForInvestment" xlink:to="us-gaap-ebp_EmployeeBenefitPlanAssetHeldForInvestment_lbl0"/>
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    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap-ebp_EmployeeBenefitPlanStatementOfNetAssetAvailableForBenefitLineItems" xlink:to="us-gaap-ebp_EmployeeBenefitPlanStatementOfNetAssetAvailableForBenefitLineItems_lbl0"/>
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    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap-ebp_EmployeeBenefitPlanNetAssetAvailableForBenefit" xlink:to="us-gaap-ebp_EmployeeBenefitPlanNetAssetAvailableForBenefit_lbl2"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap-ebp_EmployeeBenefitPlanInvestmentPolicyTextBlock_lbl0" xml:lang="en-US">EBP, Investment [Policy Text Block]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap-ebp_EmployeeBenefitPlanInvestmentPolicyTextBlock" xlink:to="us-gaap-ebp_EmployeeBenefitPlanInvestmentPolicyTextBlock_lbl0"/>
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    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap-ebp_EmployeeBenefitPlanScheduleOfAssetHeldForInvestmentLineItems" xlink:to="us-gaap-ebp_EmployeeBenefitPlanScheduleOfAssetHeldForInvestmentLineItems_lbl0"/>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityTaxIdentificationNumber_lbl0" xml:lang="en-US">Entity Tax Identification Number</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap-ebp_EmployeeBenefitPlanContributionPolicyTextBlock_lbl0" xml:lang="en-US">EBP, Contribution [Policy Text Block]</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="navi_AdditionsAbstract_lbl0" xml:lang="en-US">Additions Abstract</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_AmendmentFlag_lbl0" xml:lang="en-US">Amendment Flag</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap-ebp_EmployeeBenefitPlanTaxStatusLineItems_lbl0" xml:lang="en-US">EBP, Tax Status [Line Items]</label>
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