Operator: Good day and thank you for standing by. Welcome to the Navient First Quarter 2023 Earnings Conference Call. At this time, all participants are in a listen-only mode.
Operator
Welcome to the Navient First Quarter 2021 Earnings Call. [Operator Instructions] I would now like to hand the conference over to your speaker today, Nathan Rutledge. Please go ahead.
Nathan Rutledge
Investor Relation
Thanks, Mary. Good morning and welcome to Navient s First Quarter 2021 Earnings Call. With me today are Jack Remondi, our CEO; and Joe Fisher, our CFO. After their prepared remarks, we will open up the call for questions.
Before we begin, keep in mind our discussions will contain predictions, expectations, forward-looking statements and other information about our business that is based on management s current expectations as of the date of this presentation. Actual results in the future may be materially different from those disclosed here discussed here. This could be due to a variety of factors including, among other things, uncertainties associated with the severity, magnitude and duration of the COVID-19 pandemic and the related economic impact.