If earnings doesn't look good next week...
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What do they mean by "efficiency?"
"Further, the company's several ongoing initiatives to improve efficiency should ease the expense burden."
http://www.nasdaq.com/article/navient-navi-to-report-q2-earnings-what-to-expect-cm650440#ixzz4EnlNnnvR
"Moody's placed 266 tranches in 141 transactions ($44.9 billion) on review for downgrade, 89 tranches in 59 transactions ($3.1 billion) on review for upgrade and 45 tranches in 34 transactions ($2.8 billion) on review with direction uncertain. Moody's also confirmed the ratings on three tranches ($1.5 billion)."
https://www.moodys.com/research/Moodys-announces-rating-actions-on-student-loan-ABS-backed-by--PR_350543