Navient Holdings director reports 99,398 shares

The reported balance includes restricted stock that remains subject to vesting terms applicable to shares granted by Navient Corporation.

Available on EDGAR 11/09/2026 - 04:43 PM EST Accepted by SEC EDGAR 11/09/2026 - 04:43 PM EST Learn about SEC filing dates

Rhea-AI Filing Summary

On October 28, 2026, Frederick Arnold, a director of Navient Holdings, Inc. (JSM), reported direct holdings of 99,398 shares of common stock. The balance includes 4,762 shares of restricted stock received in respect of shares granted by Navient Corporation; those restricted shares remain subject to the applicable vesting terms.

Insider Trade Summary

Holdings reported, no transactions

Holdings

Insider ARNOLD FREDERICK

Role Director

Type	Security	Shares	Price	Value
Holding	Common Stock F1	--	--	--

Holdings: Common Stock — 99,397.691 shares (Direct)

Footnotes (1)

1. F1. The reporting person's common stock balance includes 4,761.967 shares of restricted stock to a non-employee director that were received in respect of, and remain subject to vesting terms applicable to, shares of restricted stock granted by, and as reported on Form 4 filings with respect to, Navient Corporation, as Navient Holdings, Inc., is the successor to Navient Corporation under the Securities Exchange Act of 1934, as amended.

Key Figures

Direct common stock holdings: 99,398 shares Restricted stock included in holdings: 4,762 shares

2 metrics

Direct common stock holdings 99,398 shares Reported October 28, 2026

Restricted stock included in holdings 4,762 shares Remain subject to applicable vesting terms

Key Terms

restricted stock, vesting terms, successor

3 terms

restricted stock financial

"shares of restricted stock granted by"

Shares granted to an individual that carry limits on transfer or sale until certain conditions are met, such as staying with the company for a set time or hitting performance targets. Think of them as a locked gift that gradually opens; for investors they matter because they affect how many shares may enter the market later, signal management incentives and potential dilution, and reveal confidence in future company performance.

vesting terms financial

"remain subject to vesting terms applicable to"

successor regulatory

"is the successor to Navient Corporation under the Securities Exchange Act"

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

How many shares did Frederick Arnold report owning in Navient Holdings (JSM)?

Frederick Arnold reported direct holdings of 99,398 shares of common stock on October 28, 2026. The reported balance includes 4,762 shares of restricted stock.

How many of Frederick Arnold's Navient Holdings (JSM) shares are restricted stock?

4,762 shares in the reported balance are restricted stock. They remain subject to vesting terms applicable to shares granted by Navient Corporation.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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SEC Form 3

FORM 3

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

INITIAL STATEMENT OF BENEFICIAL OWNERSHIP OF SECURITIES

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0104
Estimated average burden
hours per response:			0.5

1. Name and Address of Reporting Person^*

ARNOLD FREDERICK

(Last) (First) (Middle)

13865 SUNRISE VALLEY DRIVE

(Street)

HERNDON VIRGINIA 20171

(City) (State) (Zip)

UNITED STATES

(Country)

2. Date of Event Requiring Statement (Month/Day/Year)
10/28/2026

3. Issuer Name and Ticker or Trading Symbol
Navient Holdings, Inc. [ NAVI ]

3a. Foreign Trading Symbol

5. If Amendment, Date of Original Filed (Month/Day/Year)

4. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

X	Director		10% Owner
	Officer (give title below)		Other (specify below)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Beneficially Owned
1. Title of Security (Instr. 4)	2. Amount of Securities Beneficially Owned (Instr. 4)	3. Ownership Form: Direct (D) or Indirect (I) (Instr. 5)	4. Nature of Indirect Beneficial Ownership (Instr. 5)
Common Stock	99,397.691(1)	D

Table II - Derivative Securities Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 4)	2. Date Exercisable and Expiration Date (Month/Day/Year)		3. Title and Amount of Securities Underlying Derivative Security (Instr. 4)		4. Conversion or Exercise Price of Derivative Security	5. Ownership Form: Direct (D) or Indirect (I) (Instr. 5)	6. Nature of Indirect Beneficial Ownership (Instr. 5)
	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

1. The reporting person's common stock balance includes 4,761.967 shares of restricted stock to a non-employee director that were received in respect of, and remain subject to vesting terms applicable to, shares of restricted stock granted by, and as reported on Form 4 filings with respect to, Navient Corporation, as Navient Holdings, Inc., is the successor to Navient Corporation under the Securities Exchange Act of 1934, as amended.

Remarks:

Exhibit 24 - Power of Attorney

	/s/ Matthew Sheldon (POA) for Frederick Arnold	11/09/2026
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 5 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.
* Form 3: SEC 1473 (03-26)