<?xml version="1.0" encoding="US-ASCII"?>
<!-- Generated by Broadridge Transform (tm) - http://www.broadridge.com -->
<!-- Created: Tue Jun 23 20:29:02 UTC 2026 -->
<linkbase xmlns="http://www.xbrl.org/2003/linkbase" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd">
  <roleRef xlink:type="simple" xlink:href="navi-20251231.xsd#navi_r_EBPStatementNetAssetAvailableBenefit" roleURI="http://navient.com/role/EBPStatementNetAssetAvailableBenefit"/>
  <roleRef xlink:type="simple" xlink:href="navi-20251231.xsd#navi_r_EBPStatementChangeNetAssetAvailableBenefit" roleURI="http://navient.com/role/EBPStatementChangeNetAssetAvailableBenefit"/>
  <calculationLink xlink:role="http://navient.com/role/EBPStatementNetAssetAvailableBenefit" xlink:type="extended">
    <loc xlink:type="locator" xlink:label="us-gaap-ebp_EmployeeBenefitPlanNetAssetAvailableForBenefit" xlink:href="https://xbrl.fasb.org/us-gaap/2025/ebp/elts/us-gaap-ebp-2025.xsd#us-gaap-ebp_EmployeeBenefitPlanNetAssetAvailableForBenefit"/>
    <loc xlink:type="locator" xlink:label="us-gaap-ebp_EmployeeBenefitPlanInvestmentExcludingPlanInterestInMasterTrustFairValue" xlink:href="https://xbrl.fasb.org/us-gaap/2025/ebp/elts/us-gaap-ebp-2025.xsd#us-gaap-ebp_EmployeeBenefitPlanInvestmentExcludingPlanInterestInMasterTrustFairValue"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap-ebp_EmployeeBenefitPlanNetAssetAvailableForBenefit" xlink:to="us-gaap-ebp_EmployeeBenefitPlanInvestmentExcludingPlanInterestInMasterTrustFairValue" order="1" weight="1"/>
    <loc xlink:type="locator" xlink:label="us-gaap-ebp_EmployeeBenefitPlanNoteReceivableFromParticipant" xlink:href="https://xbrl.fasb.org/us-gaap/2025/ebp/elts/us-gaap-ebp-2025.xsd#us-gaap-ebp_EmployeeBenefitPlanNoteReceivableFromParticipant"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap-ebp_EmployeeBenefitPlanNetAssetAvailableForBenefit" xlink:to="us-gaap-ebp_EmployeeBenefitPlanNoteReceivableFromParticipant" order="2" weight="1"/>
  </calculationLink>
  <calculationLink xlink:role="http://navient.com/role/EBPStatementChangeNetAssetAvailableBenefit" xlink:type="extended">
    <loc xlink:type="locator" xlink:label="us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseDecreaseForIncomeLossOnInvestment" xlink:href="https://xbrl.fasb.org/us-gaap/2025/ebp/elts/us-gaap-ebp-2025.xsd#us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseDecreaseForIncomeLossOnInvestment"/>
    <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"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseDecreaseForIncomeLossOnInvestment" xlink:to="us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseDecreaseForGainLossOnInvestment" order="1" weight="1"/>
    <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"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseDecreaseForIncomeLossOnInvestment" xlink:to="us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseForInterestAndDividendIncomeOnInvestment" order="2" weight="1"/>
    <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"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseDecreaseForIncomeLossOnInvestment" xlink:to="us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseDecreaseForOtherIncomeLossOnInvestment" order="3" weight="1"/>
    <loc xlink:type="locator" xlink:label="us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseForContribution" xlink:href="https://xbrl.fasb.org/us-gaap/2025/ebp/elts/us-gaap-ebp-2025.xsd#us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseForContribution"/>
    <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"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseForContribution" xlink:to="us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseForEmployerContributionCash" order="1" weight="1"/>
    <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"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseForContribution" xlink:to="us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseForParticipantContributionExcludingRollover" order="2" weight="1"/>
    <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"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseForContribution" xlink:to="us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseForParticipantContributionRollover" order="3" weight="1"/>
    <loc xlink:type="locator" xlink:label="us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncrease" xlink:href="https://xbrl.fasb.org/us-gaap/2025/ebp/elts/us-gaap-ebp-2025.xsd#us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncrease"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncrease" xlink:to="us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseDecreaseForIncomeLossOnInvestment" order="1" weight="1"/>
    <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"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncrease" xlink:to="us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseForInterestIncomeOnNoteReceivableFromParticipant" order="2" weight="1"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncrease" xlink:to="us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseForContribution" order="3" weight="1"/>
    <loc xlink:type="locator" xlink:label="us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitDecrease" xlink:href="https://xbrl.fasb.org/us-gaap/2025/ebp/elts/us-gaap-ebp-2025.xsd#us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitDecrease"/>
    <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"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitDecrease" xlink:to="us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitDecreaseForPaymentToParticipant" order="1" weight="1"/>
    <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"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitDecrease" xlink:to="us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitDecreaseForAdministrativeExpense" order="2" weight="1"/>
    <loc xlink:type="locator" xlink:label="us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseDecrease" xlink:href="https://xbrl.fasb.org/us-gaap/2025/ebp/elts/us-gaap-ebp-2025.xsd#us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseDecrease"/>
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseDecrease" xlink:to="us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncrease" order="1" weight="1"/>
<!-- [WMV7][LYbiFXlTZxw5EjunbDB2JvEmJfhntBasal3DwJNDUPJfvj25GSXM4laG5Nhy3qMYh7Sefor16BIad05R56Z6cxo3jPcojOkX7eENyFxJffGfTaH16cSkJYBDlrJnlT6sVV3Nz6XB3gOl65j/EO404zmm4acv+TUsJOxo9/r3oNLRslmn8mF73M+QuiQ6BxxUaR8Mlxd+82cIN/pl12ZclrzX6yKVr7MCR8fEm/zYO0g7+CiaqOEAG4QzPhiT14I1KqwQyQG/jzwrtZl8y3oaRcGuytxflo9qPu/HawoJQqp0wvjcbriAOztHQnN5ilViaDvwzT0zBrPtRjgjmzPxwtGAXvLPlnJ7mIM=] CSR-->
    <calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseDecrease" xlink:to="us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitDecrease" order="2" weight="-1"/>
  </calculationLink>
</linkbase>
