This April 2, 2014, file photo, shows the headquarters of student loan debt collector Navient Corporation, in Wilmington, Del. Pennsylvania’s attorney general says the large student loan servicer Navient has settled allegations of predatory practices for $1.85 billion. Attorney General Josh Shapiro said Thursday, Jan. 13, 2022 in a news release that the settlement includes $1.7 billion in debt cancellation and $95 million in restitution. (William Bretzger/The Wilmington News-Journal via AP, File)