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Navient was from the beginning influence of Sallie Mae, what was more formally known as the Undergraduate Credit Marketing Association. After Congress took a crowd of steps in 2010 that redesigned how disciple loans were originated (effectively placing more lever in the hands of the Rest on of Teaching and less call of Sallie Mae), the following announced restructuring plans. In 2014, Sallie Mae and Navient became cloistered publicly-traded companies with clear, although equivalent, focuses on undergraduate loans.

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