---



UNITED STATES SECURITIES AND EXCHANGE COMMISSION


Washington, DC 20549








FORM 10-K





(Mark One)





☑
            Annual report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934





For the fiscal year ended December 31, 2018 or





☐
            Transition report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934





For the transition period from to





Commission File Number of issuing entity: 333-190926-12





Central Index Key of issuing entity: 0001636459





NAVIENT STUDENT LOAN TRUST 2015-2


(Exact name of issuing entity as specified in its charter)





Commission File Number of depositor: 333-190926





Central Index Key of depositor: 0000949114





NAVIENT FUNDING, LLC


(Exact name of depositor as specified in its charter)





Central Index Key of sponsor: 0001601725





NAVIENT SOLUTIONS, LLC


(Exact name of sponsor as specified in its charter)





|DELAWARE                                       |  | 04-3480392
          04-3480392
          54-1843973
|---------------------------------------------- |  | ----------------------------------------------------
|(State or other Jurisdiction of Incorporation) |  | (I.R.S. Employer Identification Nos.)               




c/o Wells Fargo Delaware Trust Company, N.A.


919 North Market Street, Suite 1600


Wilmington, Delaware 19801


(Address of principal executive offices of issuing entity)





(703) 984-6890


Registrant’s telephone number, including area code





Securities registered pursuant to Section 12(b) of the Act: None





Securities registered pursuant to Section 12(g) of the Act: None





Indicate by check mark if registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities Act.  Yes ☐ No ☑





Indicate by check mark if registrant is not required to file reports pursuant to Section 13 or 15(d) of the Act.  Yes ☐ No ☑





Indicate by check mark whether the registrant: (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities
      Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days.  Yes ☑ No ☐





Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to
      Rule 405 of Regulations S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit such files).  Yes ☑ No
      ☐





Indicate by check mark if disclosure of delinquent filers pursuant to Item 405 of Regulation S-K (§229.405 of this chapter) is not contained
      herein, and will not be contained, to the best of registrant’s knowledge, in definitive proxy or information statements incorporated by reference in Part III of this Form 10-K or any amendment to this Form 10-K.  ☐





Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller
      reporting company, or an emerging growth company. See the definitions of “large accelerated filer,” “accelerated filer,” “smaller reporting company” and “emerging growth company” in Rule 12b-2 of the Exchange Act:





|Large accelerated filer | ☐ |  |  |  | Accelerated filer         | ☐
|----------------------- | - |  |  |  | ------------------------- | -
|Non-accelerated filer   | ☑ |  |  |  | Smaller reporting company | ☐
|                        |   |  |  |  | Emerging growth company   | ☐




If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying
      with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐





Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act).  Yes ☐ No ☑





State the aggregate market value of the voting and non-voting common equity held by non-affiliates computed by reference to the price at
      which the common equity was last sold, or the average bid and asked price of such common equity, as of the last business day of the registrant’s most recently completed second fiscal quarter.





Not applicable.











PART I





The following Items have been omitted in accordance with General Instruction J to Form 10–K:





Item 1.
            Business





Item 1A.
            Risk Factors





Item 2.
            Properties





Item 3.
            Legal Proceedings





Item 1B.
            Unresolved Staff Comments





Not Applicable.





Item 4.
            Mine Safety Disclosures.





Not Applicable.





The following information is substitute information provided in accordance with General Instruction J to Form 10-K:





Item 1112(b) of Regulation AB. Significant Obligor Financial Information





No single obligor represents more than 10% of the pool assets held by the Issuing Entity.





Items 1114(b)(2) of Regulation AB. Credit Enhancement and Other Support, Except for Certain Derivatives





No entity or group of affiliated entities provides external credit enhancement or other support with respect to payments on the notes issued
      by the Issuing Entity.





Items 1115(b) of Regulation AB. Credit Derivatives Instruments





No entity or group of affiliated entities provides derivative instruments with respect to payments on the notes issued by the Issuing Entity.





Item 1117 of Regulation AB. Legal Proceedings





Other than as stated in the following paragraphs, no legal proceedings are pending against the Issuing Entity, Navient Solutions, LLC
      (formerly, Navient Solutions, Inc.), as the Sponsor, the Servicer and the Administrator, Navient Funding, LLC, as the Depositor (the “Depositor”) and registrant under Registration Statement Number 333-190926 (the “Registrant”) or to the Registrant’s
      knowledge, Wells Fargo Bank, N.A., as the Indenture Trustee, that are or would be material to the holders of the notes issued by the Issuing Entity, nor does the Registrant know of any such proceeding contemplated by any governmental authorities.





2







In January 2017, the CFPB and the Offices of the Attorneys General for the State of Illinois and the State of Washington initiated civil actions naming Navient
      Corporation (“Navient”) and several of its subsidiaries (including Navient Solutions) as defendants alleging violations of certain federal and state consumer protection statutes, including the Consumer Financial Protection Act of 2010 (“CFPA”), the
      Fair Credit Reporting Act, the Fair Debt Collection Practices Act and various state consumer protection laws. In October 2017, the Attorney General for the Commonwealth of Pennsylvania initiated a civil action against Navient Corporation and Navient
      Solutions, containing similar alleged violations of the CFPA and the Pennsylvania Unfair Trade Practices and Consumer Protection Law. Additionally, the Attorneys General for the States of California and Mississippi recently initiated similar actions
      against Navient Corporation and certain subsidiaries alleging violations of various state and federal consumer protection laws. We refer to the Illinois, Washington, Pennsylvania, California and Mississippi Attorneys General collectively as the
      “State Attorneys General.” In addition to these matters, a number of lawsuits have been filed by nongovernmental parties or, in the future, may be filed by additional governmental or nongovernmental parties seeking damages or other remedies related
      to similar issues raised by the CFPB and the State Attorneys General. As Navient Corporation has previously stated, we believe the suits improperly seek to impose penalties on Navient based on new, unannounced servicing standards applied
      retroactively only against one servicer, and that the allegations are false. We therefore have denied these allegations and intend to vigorously defend against the allegations in each of these cases.





During the first quarter of 2016, Navient Corporation, certain Navient officers and directors, and the underwriters of certain Navient securities offerings
      (including certain of the initial purchasers) were sued in three putative securities class action lawsuits filed on behalf of certain investors in Navient stock or Navient unsecured debt. These three cases, which were filed in the U.S. District Court
      for the District of Delaware, were consolidated by the District Court, with Lord Abbett Funds appointed as Lead Plaintiff. The caption of the consolidated case is Lord Abbett Affiliated Fund, Inc., et al. v. Navient Corporation, et al. The plaintiffs
      filed their amended and consolidated complaint in September 2016. In September 2017, the Court granted the Navient defendants’ motion and dismissed the complaint in its entirety with leave to amend. The plaintiffs filed a second amended complaint
      with the court in November 2017 and the Navient defendants filed a motion to dismiss the second amended complaint in January 2018. In January 2019, the Court granted-in-part and denied-in-part the Navient defendants’ motion to dismiss. The Navient
      defendants deny the allegations and intend to vigorously defend against the allegations in this lawsuit. Additionally, two putative class actions have been filed in the U.S. District Court for the District of New Jersey captioned Eli Pope v. Navient
      Corporation, John F. Remondi, Somsak Chivavibul and Christian Lown, and Melvin Gross v. Navient Corporation, John F. Remondi, Somsak Chivavibul and Christian M. Lown, both of which allege violations of the federal securities laws under Sections 10(b)
      and 20(a) of the Securities Exchange Act of 1934, as amended. These cases were consolidated by the Court in February 2018, the plaintiffs filed a consolidated amended complaint in April 2018 and Navient Corporation filed a motion to dismiss in June
      2018. In March 2019, and before a ruling on Navient Corporation’s motion to dismiss the consolidated amended complaint, the plaintiffs filed a second amended complaint.  Navient Corporation intends to file a motion to dismiss the second amended
      complaint.  Navient has otherwise denied the allegations and intends to vigorously defend itself.





At this point in time, Navient is unable to anticipate the timing of a resolution or the impact that these legal proceedings may have on Navient’s consolidated
      financial position, liquidity, results of operation or cash flows. As a result, it is not possible at this time to estimate a range of potential exposure, if any, for amounts that may be payable in connection with these matters and reserves have not
      been established. It is possible that an adverse ruling or rulings may have a material adverse impact on Navient, Navient Solutions and/or their affiliates or on the financial ability of the depositor, the servicer or a seller to fulfill an
      obligation to purchase or repurchase trust student loans in connection with a breach of representation, warranty or covenant. It is also possible that an adverse ruling or rulings on claims made by the CFPB and State Attorneys General in their
      complaints against Navient or its affiliates may have a material adverse effect on the trust student loans.





The following paragraph is disclosure received from Wells Fargo Bank, N.A. concerning their role as trustee of
      certain residential mortgage backed securities trusts.





Since June 18, 2014, a group of institutional investors have filed civil complaints in the Supreme Court of the State of New York, New York County, and later
      the U.S. District Court for the Southern District of New York against Wells Fargo Bank, N.A., (“Wells Fargo Bank”) in its capacity as trustee for certain residential mortgage backed securities (“RMBS”) trusts.  The complaints against Wells Fargo Bank
      alleged that the trustee caused losses to investors and asserted causes of action based upon, among other things, the trustee’s alleged failure to: (i) notify and enforce repurchase obligations of mortgage loan sellers for purported breaches of
      representations and warranties, (ii) notify investors of alleged events of default, and (iii) abide by appropriate standards of care following alleged events of default. Relief sought included money damages in an unspecified amount, reimbursement of
      expenses, and equitable relief. Wells Fargo Bank has reached an agreement, in which it denies any wrongdoing, to resolve these claims on a classwide basis for the 271 RMBS trusts currently at issue.  The settlement agreement is subject to court
      approval.  Separate lawsuits against Wells Fargo Bank making similar allegations filed by certain other institutional investors concerning 57 RMBS trusts in New York federal and state court are not covered by the agreement.  With respect to the
      foregoing litigations, Wells Fargo Bank believes plaintiffs’ claims are without merit and intends to contest the claims vigorously, but there can be no assurances as to the outcome of the litigations or the possible impact of the litigations on Wells
      Fargo Bank or the RMBS trusts.





3


PART II





The following Items have been omitted in accordance with General Instruction J to Form 10–K:





Item 5.
            Market for Registrant’s Common Equity, Related Stockholder Matters and Issuer Purchases of Equity Securities





Item 6.
            Selected Financial Data





Item 7.
            Management’s Discussion and Analysis of Financial Condition and Results of Operation





Item 7A.
            Quantitative and Qualitative Disclosures about Market Risk





Item 8.
            Financial Statements and Supplementary Data





Item 9.
            Changes in and Disagreements with Accountants on Accounting and Financial Disclosure





Item 9A.
            Controls and Procedures





Item 9B.
            Other Information





Nothing to report.





4


PART III





The following Items have been omitted in accordance with General Instruction J to Form 10-K:





Item 10.
            Directors, Executive Officers, and Corporate Governance





Item 11.
            Executive Compensation





Item 12.
            Security Ownership of Certain Beneficial Owners and Management and Related Stockholder Matters





Item 13.
            Certain Relationships, Related Transactions, and Director Independence





Item 14.
            Principal Accounting Fees and Services





The following information is substitute information provided in accordance with General Instruction J to Form 10-K:





Item 1119 of Regulation AB. Affiliations and Certain Relationships and Related Transactions





Pursuant to the Instruction to Item 1119 of Regulation AB, information required by Item 1119 has been omitted from this Report because
      substantially the same information related to affiliates of the Issuing Entity and certain relationships and related transactions is provided in the section titled “The Sponsor, Servicer and Administrator” of the base prospectus, previously filed
      with the SEC on April 16, 2015 pursuant to Securities Act Rule 424, file number 333-190926.





Item 1122 of Regulation AB. Compliance with Applicable Servicing Criteria





Navient Solutions, LLC, as the Servicer, Navient Solutions, LLC, as the Administrator and Wells Fargo Bank, N.A., as the Indenture Trustee
      (collectively, the “Servicing Parties”) have each been identified by the Depositor as parties participating in the servicing function with respect to the asset pool held by the Issuing Entity. Each of the Servicing Parties has completed a report on
      assessment of compliance with the servicing criteria applicable to it (each a “Servicing Report”), which Servicing Reports are attached as exhibits to this Form 10-K. Each of the Servicing Parties have provided an attestation report (each an
      “Attestation Report”) by one or more public accounting firms, which reports are also attached as exhibits to this Report. None of the Servicing Reports or Attestation Reports has identified any material instance of noncompliance with the servicing
      criteria as applicable to the respective Servicing Party. There have been no material instances of noncompliance with the servicing criteria for the period of this Report.





Item 1123 of Regulation AB. Servicer Compliance Statement





A Servicer Compliance Statement for each of Navient Solutions, LLC, as Servicer, and Navient Solutions, LLC, as Administrator, is included as
      an exhibit to this Report.





5


PART IV





Item 15.
            Exhibits and Financial Statement Schedules





(a)
            List of Documents Filed as Part of this Annual Report on Form 10-K





(1)
            Not applicable.





(2)
            Not applicable.





(3)
            See Item 15 (b) below.





(b)
            Exhibits Required by Item 601 of Regulation S-K





|EXHIBIT | DESCRIPTION                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    
|------- | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
|        |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                
|4.1     | Indenture dated as of April 23, 2015 among Navient Student Loan Trust 2015-2, Wells Fargo Bank, N.A., as indenture trustee, and Wells Fargo Bank, N.A.,
              as eligible lender trustee, which is incorporated by reference from Exhibit 4.6 of the Current Report on Form 8-K of the registrant, as filed with the Commission on April 23, 2015, with a file number of 333-190926-12.                                                                                                                                                                
|        |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                
|10.1    | Indenture dated as of April 23, 2015 among Navient Student Loan Trust 2015-2, Wells Fargo Bank, N.A., as indenture trustee, and Wells Fargo Bank, N.A.,
              as eligible lender trustee, which is incorporated by reference from Exhibit 4.6 of the Current Report on Form 8-K of the registrant, as filed with the Commission on April 23, 2015, with a file number of 333-190926-12.                                                                                                                                                                
|        |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                
|10.2    | Servicing Agreement dated as of April 23, 2015 among Navient Student Loan Trust 2015-2, Wells Fargo Bank, N.A., as indenture trustee, Wells Fargo Bank,
              N.A., as eligible lender trustee, and Navient Solutions, LLC (formerly, Navient Solutions, Inc.), as servicer and as administrator, which is incorporated by reference from Exhibit 99.7 of the Current Report on Form 8-K of the registrant, as
              filed with the Commission on April 23, 2015, with a file number of 333-190926-12.                                         
|        |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                
|10.3    | Administration Agreement dated as of April 23, 2015 among Navient Student Loan Trust 2015-2, Wells Fargo Bank, N.A., as indenture trustee, Wells Fargo
              Bank, N.A., as eligible lender trustee, Navient Funding, LLC, as depositor, and Navient Solutions, LLC (formerly, Navient Solutions, Inc.), as servicer and as administrator, which is incorporated by reference from Exhibit 99.6 of the Current
              Report on Form 8-K of the registrant, as filed with the Commission on April 23, 2015, with a file number of 333-190926-12.
|        |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                
|31.1*   | Rule 13a-14(d)/15d-14(d) Certification. (Section 302 Certification).                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           
|        |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                
|33.1*   | Report on Assessment of Compliance with Servicing Criteria concerning servicing activities of Navient Solutions, LLC (formerly, Navient Solutions,
              Inc.), as Servicer and Administrator, as of and for the year ended December 31, 2018.                                                                                                                                                                                                                                                                                                         
|        |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                
|33.2*   | Report on Assessment of Compliance with Servicing Criteria concerning servicing activities of Wells Fargo Bank, N.A., as Indenture Trustee, as of and
              for the year ended December 31, 2018.                                                                                                                                                                                                                                                                                                                                                      
|        |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                
|34.1*   | Independent Accountants’ Attestation Report concerning servicing activities of Navient Solutions, LLC (formerly, Navient Solutions, Inc.), as Servicer
              and Administrator, as of and for the year ended December 31, 2018.                                                                                                                                                                                                                                                                                                                        
|        |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                
|34.2*   | Independent Accountants’ Attestation Report concerning servicing activities of Wells Fargo Bank, N.A., as Indenture Trustee, as of and for the year
              ended December 31, 2018.                                                                                                                                                                                                                                                                                                                                                                     
|        |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                
|35.1*   | Statement of Compliance of Navient Solutions, LLC (formerly, Navient Solutions, Inc.), as Servicer and Administrator for the year ended December 31,
              2018.                                                                                                                                                                                                                                                                                                                                                                                       
|        |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                
|        | * Filed herewith.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              




(c)
            Not Applicable.





6


SIGNATURES





Pursuant to the requirements of Section 13 or 15(d) of the Securities Exchange Act of 1934, as amended, the Registrant has duly caused this
      report to be signed, on its behalf by the undersigned hereunto duly authorized.





|Dated: March 29, 2019 | NAVIENT FUNDING, LLC, the Depositor for itself as Registrant
          and on behalf of Navient Student Loan Trust 2015-2
|--------------------- | -------------------------------------------------------------------------------------------------------------------------
|                      |                                                                                                                          
|                      | By:                                                                                                                      
|                      |                                                                                                                          
|                      |                                                                                                                          




SUPPLEMENTAL INFORMATION TO BE FURNISHED WITH REPORTS FILED PURSUANT TO SECTION 15(d) OF THE ACT BY REGISTRANTS WHICH HAVE NOT REGISTERED
      SECURITIES PURSUANT TO SECTION 12 OF THE ACT.





No annual report, proxy statement, form of proxy or other proxy soliciting material has been sent to holders of the notes issued by the Issuing Entity during
      the period covered by this Annual Report on Form 10-K and the Registrant does not intend to furnish such materials subsequent to the filing of the report.





7


INDEX TO EXHIBITS





|Exhibit
          Number |  | Exhibit                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               
|------------------------ |  | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
|                         |  |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       
|4.1                      |  | Indenture dated as of April 23, 2015 among Navient Student Loan Trust 2015-2, Wells Fargo Bank, N.A., as indenture trustee, and Wells Fargo Bank, N.A.,
              as eligible lender trustee, which is incorporated by reference from Exhibit 4.6 of the Current Report on Form 8-K of the registrant, as filed with the Commission on April 23, 2015, with a file number of 333-190926-12.
          https://www.sec.gov/Archives/edgar/data/949114/000092963815000462/ex4-6.htm                                                                                                                                                                 
|                         |  |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       
|10.1                     |  | Indenture dated as of April 23, 2015 among Navient Student Loan Trust 2015-2, Wells Fargo Bank, N.A., as indenture trustee, and Wells Fargo Bank, N.A.,
              as eligible lender trustee, which is incorporated by reference from Exhibit 4.6 of the Current Report on Form 8-K of the registrant, as filed with the Commission on April 23, 2015, with a file number of 333-190926-12.
          https://www.sec.gov/Archives/edgar/data/949114/000092963815000462/ex4-6.htm                                                                                                                                                                 
|                         |  |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       
|10.2                     |  | Servicing Agreement dated as of April 23, 2015 among Navient Student Loan Trust 2015-2, Wells Fargo Bank, N.A., as indenture trustee, Wells Fargo Bank,
              N.A., as eligible lender trustee, and Navient Solutions, LLC (formerly, Navient Solutions, Inc.), as servicer and as administrator, which is incorporated by reference from Exhibit 99.7 of the Current Report on Form 8-K of the registrant, as
              filed with the Commission on April 23, 2015, with a file number of 333-190926-12.
          https://www.sec.gov/Archives/edgar/data/949114/000092963815000462/ex99-7.htm                                         
|                         |  |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       
|10.3                     |  | Administration Agreement dated as of April 23, 2015 among Navient Student Loan Trust 2015-2, Wells Fargo Bank, N.A., as indenture trustee, Wells Fargo
              Bank, N.A., as eligible lender trustee, Navient Funding, LLC, as depositor, and Navient Solutions, LLC (formerly, Navient Solutions, Inc.), as servicer and as administrator, which is incorporated by reference from Exhibit 99.6 of the Current
              Report on Form 8-K of the registrant, as filed with the Commission on April 23, 2015, with a file number of 333-190926-12.
          https://www.sec.gov/Archives/edgar/data/949114/000092963815000462/ex99-6.htm
|                         |  |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       
|31.1*                    |  | Rule 13a-14(d)/15d-14(d) Certification. (Section 302 Certification).                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  
|                         |  |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       
|33.1*                    |  | Report on Assessment of Compliance with Servicing Criteria concerning servicing activities of Navient Solutions, LLC (formerly, Navient Solutions,
              Inc.), as Servicer and Administrator, as of and for the year ended December 31, 2018.                                                                                                                                                                                                                                                                                                                                                                                                
|                         |  |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       
|33.2*                    |  | Report on Assessment of Compliance with Servicing Criteria concerning servicing activities of Wells Fargo Bank, N.A., as Indenture Trustee, as of and
              for the year ended December 31, 2018.                                                                                                                                                                                                                                                                                                                                                                                                                                             
|                         |  |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       
|34.1*                    |  | Independent Accountants’ Attestation Report concerning servicing activities of Navient Solutions, LLC (formerly, Navient Solutions, Inc.), as Servicer
              and Administrator, as of and for the year ended December 31, 2018.                                                                                                                                                                                                                                                                                                                                                                                                               
|                         |  |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       
|34.2*                    |  | Independent Accountants’ Attestation Report concerning servicing activities of Wells Fargo Bank, N.A., as Indenture Trustee, as of and for the year
              ended December 31, 2018.                                                                                                                                                                                                                                                                                                                                                                                                                                                            
|                         |  |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       
|35.1*                    |  | Statement of Compliance of Navient Solutions, LLC (formerly, Navient Solutions, Inc.), as Servicer and Administrator for the year ended December 31,
              2018.                                                                                                                                                                                                                                                                                                                                                                                                                                                                              
|                         |  |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       
|                         |  | * Filed herewith.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     







8