Is Navient financially healthy?
Not really
Navient carries heavy debt: it would take 83.8 years of earnings to pay it off.
The numbers behind it
Net debt / EBITDA83.8 years
Cash vs. debt$637M vs. $45.2B
Current ratio0.8×Short-term assets for each $1 of bills due within a year
Interest coverage0.2×How many times operating profit covers the interest bill
How we decide
We measure debt in years of earnings (net debt / EBITDA): under 1 is very comfortable, 1 to 3 is manageable, above 3 is heavy. A company that earns less than 3 times its interest bill also counts as weak.
More questions about Navient
Data as of Nov 13, 2026.